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Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)
Price$14.99
Favorite Metrics
Price vs S&P 500 (26W)-53.62%
Price vs S&P 500 (4W)31.39%
Market Capitalization$1.24B
P/E Ratio (Annual)15.20x
All Metrics
P/CF (Annual)5.18x
Book Value / Share (Quarterly)$6.35
P/TBV (Annual)3.34x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)20.22%
Cash Flow / Share (Quarterly)$2.80
Price vs S&P 500 (YTD)-32.42%
Gross Margin (TTM)42.43%
Net Profit Margin (TTM)6.25%
EPS (TTM)$0.94
10-Day Avg Trading Volume3.66M
EPS Excl Extra (TTM)$0.94
Revenue Growth (5Y)67.40%
EPS (Annual)$0.98
ROI (Annual)6.10%
Gross Margin (Annual)42.43%
Net Profit Margin (5Y Avg)-21.61%
Cash / Share (Quarterly)$2.93
P/E Basic Excl Extra (TTM)15.20x
Revenue Growth QoQ (YoY)19.83%
EPS Growth (5Y)29.02%
P/E Normalized (Annual)15.20x
ROA (Last FY)5.26%
Revenue Growth TTM (YoY)26.07%
EBITD / Share (TTM)$1.06
ROE (5Y Avg)-37.73%
Operating Margin (TTM)14.13%
Cash Flow / Share (Annual)$2.80
P/B Ratio2.43x
P/B Ratio (Quarterly)3.29x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)1.40x
Net Interest Coverage (TTM)6.93x
ROA (TTM)5.73%
EV / EBITDA (TTM)20.35x
EPS Incl Extra (Annual)$0.98
Current Ratio (Annual)3.00x
Quick Ratio (Quarterly)3.00x
3-Month Avg Trading Volume3.70M
52-Week Price Return61.36%
EV / Free Cash Flow (Annual)8.13x
P/E Incl Extra (TTM)15.20x
Revenue / Employee (TTM)$3
Tangible BV / Share (Quarterly)$6.25
P/S Ratio (Annual)0.95x
Asset Turnover (Annual)0.84x
52-Week High$44.99
Operating Margin (5Y Avg)-5.00%
EPS Excl Extra (Annual)$0.98
CapEx CAGR (5Y)66.18%
26-Week Price Return-44.87%
Quick Ratio (Annual)3.00x
13-Week Price Return-36.78%
Total Debt / Equity (Annual)1.62x
Current Ratio (Quarterly)3.00x
Enterprise Value$1,826.014
Revenue / Share Growth (5Y)52.90%
Asset Turnover (TTM)0.92x
Revenue / Employee (Annual)$3
Pretax Margin (Annual)3.97%
Cash / Share (Annual)$2.93
3-Month Return Std Dev85.19%
Gross Margin (5Y Avg)42.54%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)33.29%
ROE (Last FY)15.95%
EPS Basic Excl Extra (Annual)$0.98
P/FCF (TTM)5.50x
Receivables Turnover (TTM)10.88x
EV / Free Cash Flow (TTM)8.13x
Total Debt / Equity (Quarterly)1.62x
EPS Incl Extra (TTM)$0.94
Receivables Turnover (Annual)10.77x
ROI (TTM)6.79%
P/S Ratio (TTM)0.95x
Pretax Margin (5Y Avg)-21.81%
Revenue / Share (Annual)$15.66
Tangible BV / Share (Annual)$6.25
Forward P/E12.08x
Free OCF CAGR (5Y)134.63%
Price vs S&P 500 (52W)26.26%
P/E Ratio (TTM)15.20x
Year-to-Date Return-28.28%
5-Day Price Return20.11%
EPS Normalized (Annual)$0.98
ROA (5Y Avg)-16.17%
Net Profit Margin (Annual)6.25%
Month-to-Date Return28.67%
Cash Flow / Share (TTM)$-0.34
EBITD / Share (Annual)$1.09
Operating Margin (Annual)10.82%
LT Debt / Equity (Annual)1.62x
P/CF (TTM)5.18x
ROI (5Y Avg)-22.85%
P/E Excl Extra (TTM)15.20x
LT Debt / Equity (Quarterly)1.62x
EPS Basic Excl Extra (TTM)$0.94
P/TBV (Quarterly)3.34x
P/B Ratio (Annual)3.29x
Pretax Margin (TTM)3.97%
Book Value / Share (Annual)$6.35
Price vs S&P 500 (13W)-39.64%
Net Margin Growth (5Y)-15.62%
Beta5.67x
P/FCF (Annual)5.50x
Revenue / Share (TTM)$14.53
ROE (TTM)17.80%
52-Week Low$8.95
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.21
4.21
4.20
4.20
Industry Peers — Finance Services(109)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
PGYPagaya Technologies Ltd. Class A Ordinary Shares | 15.20x | 17.80% | 14.13% | 67.40% | $14.99 |
AXPAmerican Express Company | 21.00x | 33.49% | 17.76% | 15.25% | $331.69 |
MSTRStrategy Inc Common Stock Class A | — | -7.97% | -1140.82% | -0.15% | $166.52 |
STRCStrategy Inc Variable Rate Series A Perpetual Stretch Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $99.21 |
STRDStrategy Inc 10.00% Series A Perpetual Stride Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $77.14 |
STRFStrategy Inc 10.00% Series A Perpetual Strife Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $99.90 |
STRKStrategy Inc 8.00% Series A Perpetual Strike Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $76.88 |
COINCoinbase Global, Inc. Class A Common Stock | 43.23x | 9.44% | 19.99% | 41.24% | $206.33 |
SYFSYNCHRONY FINANCIAL | 7.67x | 21.09% | 18.39% | 0.89% | $78.34 |
CRCLCircle Internet Group, Inc. | 126.06x | -2.62% | -2.63% | — | $105.91 |
SOFISoFi Technologies, Inc. Common Stock | 51.48x | 5.87% | -19.92% | — | $19.43 |
About
Pagaya Technologies is an AI and machine learning-driven technology company that provides lenders with tools to streamline consumer credit and residential real estate decisions. Its platform helps financial institutions approve more borrowers while managing credit risk through advanced analytics and data integration. The company generates substantially all revenue from its U.S. market operations.