Pagaya Technologies Ltd. Class A Ordinary Shares (PGY)

Price$13.96

Value ScoreB

Growth ScoreB

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)-48.44%

Price vs S&P 500 (4W)-0.00%

VGM Score68.27

Market Capitalization$1.09B

P/E Ratio (Annual)13.45x

All Metrics

P/CF (Annual)4.59x

Book Value / Share (Quarterly)$6.76

P/TBV (Annual)3.34x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)20.22%

Cash Flow / Share (Quarterly)$2.83

Price vs S&P 500 (YTD)-38.23%

Gross Margin (TTM)42.85%

Net Profit Margin (TTM)7.39%

EPS (TTM)$1.09

10-Day Avg Trading Volume3.75M

EPS Excl Extra (TTM)$1.09

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)$3.84

P/E Basic Excl Extra (TTM)11.15x

Revenue Growth QoQ (YoY)9.64%

EPS Growth (5Y)29.02%

P/E Normalized (Annual)13.45x

ROA (Last FY)5.26%

Revenue Growth TTM (YoY)23.43%

EBITD / Share (TTM)$2.72

ROE (5Y Avg)-37.73%

Operating Margin (TTM)16.32%

Cash Flow / Share (Annual)$2.80

P/B Ratio1.96x

P/B Ratio (Quarterly)1.72x

Net Income / Employee (Annual)$157,100

EV / Revenue (TTM)1.26x

Net Interest Coverage (TTM)6.93x

ROA (TTM)6.49%

EPS Growth QoQ (YoY)149.22%

EV / EBITDA (TTM)6.88x

EPS Incl Extra (Annual)$0.98

Current Ratio (Annual)3.00x

Quick Ratio (Quarterly)3.50x

3-Month Avg Trading Volume3.96M

52-Week Price Return-8.55%

EV / Free Cash Flow (Annual)7.44x

P/E Incl Extra (TTM)11.15x

Revenue / Employee (TTM)$2,566,200

Tangible BV / Share (Quarterly)$6.68

P/S Ratio (Annual)0.84x

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-34.85%

Quick Ratio (Annual)3.00x

13-Week Price Return34.83%

Total Debt / Equity (Annual)1.62x

Current Ratio (Quarterly)3.50x

Enterprise Value$1.67B

Revenue / Share Growth (5Y)52.90%

Asset Turnover (TTM)0.88x

Revenue / Employee (Annual)$2,512,300

Pretax Margin (Annual)3.97%

Cash / Share (Annual)$2.93

3-Month Return Std Dev61.61%

Gross Margin (5Y Avg)42.54%

Net Income / Employee (TTM)$189,600

EBITDA CAGR (5Y)51.30%

ROE (Last FY)15.95%

EPS Basic Excl Extra (Annual)$0.98

P/FCF (TTM)4.68x

Receivables Turnover (TTM)10.88x

EV / Free Cash Flow (TTM)7.14x

Total Debt / Equity (Quarterly)1.60x

EPS Incl Extra (TTM)$1.09

Receivables Turnover (Annual)10.77x

ROI (TTM)7.56%

P/S Ratio (TTM)0.82x

Pretax Margin (5Y Avg)-21.81%

Revenue / Share (Annual)$15.66

Tangible BV / Share (Annual)$6.25

Forward P/E9.47x

Free OCF CAGR (5Y)134.63%

Price vs S&P 500 (52W)-36.70%

P/E Ratio (TTM)11.15x

Year-to-Date Return-26.84%

5-Day Price Return12.01%

EPS Normalized (Annual)$0.98

ROA (5Y Avg)-16.17%

Net Profit Margin (Annual)6.25%

Month-to-Date Return1.12%

Cash Flow / Share (TTM)$-0.34

EBITD / Share (Annual)$2.06

Operating Margin (Annual)10.82%

LT Debt / Equity (Annual)1.62x

P/CF (TTM)4.42x

ROI (5Y Avg)-22.85%

P/E Excl Extra (TTM)11.15x

LT Debt / Equity (Quarterly)1.60x

EPS Basic Excl Extra (TTM)$1.09

P/TBV (Quarterly)1.74x

P/B Ratio (Annual)3.29x

Pretax Margin (TTM)5.94%

Book Value / Share (Annual)$6.35

Price vs S&P 500 (13W)24.17%

Net Margin Growth (5Y)-15.62%

Beta5.47x

P/FCF (Annual)4.87x

Revenue / Share (TTM)$13.74

ROE (TTM)19.85%

52-Week Low$10.40

vGradeB

gGradeB

mGradeB

vgmGradeB

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Earnings Surprise History

Q1 260.73est. 0.20

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.21

4.20

Industry Peers — Finance Services(153)

Symbol	Value Score	Growth Score	Momentum Score	Price
PGYPagaya Technologies Ltd. Class A Ordinary Shares	B	B	B	$13.96
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COINCoinbase Global, Inc. Class A Common Stock	D	C	C	$163.22
MSTRStrategy Inc Common Stock Class A	D	D	D	$126.55
NUNu Holdings Ltd.	D	B	D	$11.64
IRENIREN Limited Ordinary Shares	F	B	A	$65.48
SYFSYNCHRONY FINANCIAL	B	C	B	$68.72
CRCLCircle Internet Group, Inc.	D	C	B	$90.13
SOFISoFi Technologies, Inc. Common Stock	D	B	B	$16.68
HUTHut 8 Corp. Common Stock	F	A	A	$131.29
WULFTeraWulf Inc. Common Stock	F	B	A	$26.16

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.