Pagaya Technologies Statistics
Total Valuation
PGY has a market cap or net worth of $2.60 billion. The enterprise value is $3.16 billion.
Important Dates
The last earnings date was Thursday, August 7, 2025, before market open.
| Earnings Date | Aug 7, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
PGY has 76.61 million shares outstanding. The number of shares has increased by 16.45% in one year.
| Current Share Class | 65.32M |
| Shares Outstanding | 76.61M |
| Shares Change (YoY) | +16.45% |
| Shares Change (QoQ) | +3.41% |
| Owned by Insiders (%) | 16.21% |
| Owned by Institutions (%) | 38.58% |
| Float | 49.77M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 11.59 |
| PS Ratio | 2.21 |
| Forward PS | 1.98 |
| PB Ratio | 7.05 |
| P/TBV Ratio | 7.80 |
| P/FCF Ratio | 22.50 |
| P/OCF Ratio | 19.80 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 16.36, with an EV/FCF ratio of 27.35.
| EV / Earnings | n/a |
| EV / Sales | 2.74 |
| EV / EBITDA | 16.36 |
| EV / EBIT | 19.45 |
| EV / FCF | 27.35 |
Financial Position
The company has a current ratio of 1.42, with a Debt / Equity ratio of 1.41.
| Current Ratio | 1.42 |
| Quick Ratio | 1.27 |
| Debt / Equity | 1.41 |
| Debt / EBITDA | 3.80 |
| Debt / FCF | 6.61 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -50.70% and return on invested capital (ROIC) is 7.59%.
| Return on Equity (ROE) | -50.70% |
| Return on Assets (ROA) | 7.12% |
| Return on Invested Capital (ROIC) | 7.59% |
| Return on Capital Employed (ROCE) | 14.19% |
| Revenue Per Employee | $2.09M |
| Profits Per Employee | -$510,595 |
| Employee Count | 553 |
| Asset Turnover | 0.81 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PGY has paid $7.50 million in taxes.
| Income Tax | 7.50M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +186.45% in the last 52 weeks. The beta is 5.98, so PGY's price volatility has been higher than the market average.
| Beta (5Y) | 5.98 |
| 52-Week Price Change | +186.45% |
| 50-Day Moving Average | 24.50 |
| 200-Day Moving Average | 14.56 |
| Relative Strength Index (RSI) | 65.45 |
| Average Volume (20 Days) | 4,461,557 |
Short Selling Information
The latest short interest is 11.34 million, so 14.80% of the outstanding shares have been sold short.
| Short Interest | 11.34M |
| Short Previous Month | 9.46M |
| Short % of Shares Out | 14.80% |
| Short % of Float | 22.79% |
| Short Ratio (days to cover) | 3.38 |
Income Statement
In the last 12 months, PGY had revenue of $1.15 billion and -$282.36 million in losses. Loss per share was -$3.77.
| Revenue | 1.15B |
| Gross Profit | 487.30M |
| Operating Income | 162.38M |
| Pretax Income | -108.77M |
| Net Income | -282.36M |
| EBITDA | 193.09M |
| EBIT | 162.38M |
| Loss Per Share | -$3.77 |
Full Income StatementBalance Sheet
The company has $204.51 million in cash and $763.71 million in debt, giving a net cash position of -$559.21 million or -$7.30 per share.
| Cash & Cash Equivalents | 204.51M |
| Total Debt | 763.71M |
| Net Cash | -559.21M |
| Net Cash Per Share | -$7.30 |
| Equity (Book Value) | 542.23M |
| Book Value Per Share | 4.82 |
| Working Capital | 108.00M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $131.29 million and capital expenditures -$15.79 million, giving a free cash flow of $115.51 million.
| Operating Cash Flow | 131.29M |
| Capital Expenditures | -15.79M |
| Free Cash Flow | 115.51M |
| FCF Per Share | $1.51 |
Full Cash Flow StatementMargins
Gross margin is 42.26%, with operating and profit margins of 14.08% and -24.36%.
| Gross Margin | 42.26% |
| Operating Margin | 14.08% |
| Pretax Margin | -26.44% |
| Profit Margin | -24.36% |
| EBITDA Margin | 16.75% |
| EBIT Margin | 14.08% |
| FCF Margin | 10.02% |
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 | -16.45% |
| Shareholder Yield | -16.45% |
| Earnings Yield | -10.86% |
| FCF Yield | 4.44% |
Dividend DetailsAnalyst Forecast
The average price target for PGY is $34.44, which is 1.50% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $34.44 |
| Price Target Difference | 1.50% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 9 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | n/a |
| Graham Upside | n/a |
Stock Splits
The last stock split was on March 8, 2024. It was a reverse split with a ratio of 1:12.
| Last Split Date | Mar 8, 2024 |
| Split Type | Reverse |
| Split Ratio | 1:12 |
Scores
PGY has an Altman Z-Score of 1.01 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 1.01 |
| Piotroski F-Score | 5 |