Pagaya Technologies Statistics
Total Valuation
PGY has a market cap or net worth of $1.16 billion. The enterprise value is $1.63 billion.
Important Dates
The last earnings date was Wednesday, May 7, 2025, before market open.
| Earnings Date | May 7, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
PGY has 75.71 million shares outstanding. The number of shares has increased by 20.12% in one year.
| Current Share Class | 63.06M |
| Shares Outstanding | 75.71M |
| Shares Change (YoY) | +20.12% |
| Shares Change (QoQ) | +3.64% |
| Owned by Insiders (%) | 18.07% |
| Owned by Institutions (%) | 39.10% |
| Float | 45.55M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 6.69 |
| PS Ratio | 1.05 |
| Forward PS | 0.96 |
| PB Ratio | 3.45 |
| P/TBV Ratio | 3.86 |
| P/FCF Ratio | 17.38 |
| P/OCF Ratio | 13.96 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 11.58, with an EV/FCF ratio of 24.44.
| EV / Earnings | n/a |
| EV / Sales | 1.52 |
| EV / EBITDA | 11.58 |
| EV / EBIT | 14.73 |
| EV / FCF | 24.44 |
Financial Position
The company has a current ratio of 1.79, with a Debt / Equity ratio of 1.32.
| Current Ratio | 1.79 |
| Quick Ratio | 1.58 |
| Debt / Equity | 1.32 |
| Debt / EBITDA | 4.55 |
| Debt / FCF | 10.15 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -62.58% and return on invested capital (ROIC) is 5.32%.
| Return on Equity (ROE) | -62.58% |
| Return on Assets (ROA) | 5.02% |
| Return on Invested Capital (ROIC) | 5.32% |
| Return on Capital Employed (ROCE) | 10.27% |
| Revenue Per Employee | $1.95M |
| Profits Per Employee | -$674,103 |
| Employee Count | 553 |
| Asset Turnover | 0.78 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PGY has paid $17.03 million in taxes.
| Income Tax | 17.03M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +21.06% in the last 52 weeks. The beta is 5.91, so PGY's price volatility has been higher than the market average.
| Beta (5Y) | 5.91 |
| 52-Week Price Change | +21.06% |
| 50-Day Moving Average | 10.86 |
| 200-Day Moving Average | 11.29 |
| Relative Strength Index (RSI) | 74.39 |
| Average Volume (20 Days) | 2,042,345 |
Short Selling Information
The latest short interest is 9.76 million, so 12.89% of the outstanding shares have been sold short.
| Short Interest | 9.76M |
| Short Previous Month | 9.94M |
| Short % of Shares Out | 12.89% |
| Short % of Float | 21.42% |
| Short Ratio (days to cover) | 5.51 |
Income Statement
In the last 12 months, PGY had revenue of $1.08 billion and -$372.78 million in losses. Loss per share was -$5.06.
| Revenue | 1.08B |
| Gross Profit | 457.11M |
| Operating Income | 110.94M |
| Pretax Income | -108.77M |
| Net Income | -372.78M |
| EBITDA | 141.09M |
| EBIT | 110.94M |
| Loss Per Share | -$5.06 |
Full Income StatementBalance Sheet
The company has $206.46 million in cash and $678.74 million in debt, giving a net cash position of -$472.28 million or -$6.24 per share.
| Cash & Cash Equivalents | 206.46M |
| Total Debt | 678.74M |
| Net Cash | -472.28M |
| Net Cash Per Share | -$6.24 |
| Equity (Book Value) | 515.05M |
| Book Value Per Share | 4.45 |
| Working Capital | 156.87M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $83.24 million and capital expenditures -$16.37 million, giving a free cash flow of $66.87 million.
| Operating Cash Flow | 83.24M |
| Capital Expenditures | -16.37M |
| Free Cash Flow | 66.87M |
| FCF Per Share | $0.88 |
Full Cash Flow StatementMargins
Gross margin is 42.44%, with operating and profit margins of 10.30% and -34.57%.
| Gross Margin | 42.44% |
| Operating Margin | 10.30% |
| Pretax Margin | -36.63% |
| Profit Margin | -34.57% |
| EBITDA Margin | 13.10% |
| EBIT Margin | 10.30% |
| FCF Margin | 6.21% |
Dividends & Yields
PGY does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -20.12% |
| Shareholder Yield | -20.12% |
| Earnings Yield | -32.08% |
| FCF Yield | 5.75% |
Dividend DetailsAnalyst Forecast
The average price target for PGY is $21.61, which is 40.78% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $21.61 |
| Price Target Difference | 40.78% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 9 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsStock Splits
The last stock split was on March 8, 2024. It was a reverse split with a ratio of 0.0833333:1.
| Last Split Date | Mar 8, 2024 |
| Split Type | Reverse |
| Split Ratio | 0.0833333:1 |
Scores
PGY has an Altman Z-Score of 0.9 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.9 |
| Piotroski F-Score | 5 |