Pagaya Technologies Statistics

Total Valuation

PGY has a market cap or net worth of $2.00 billion. The enterprise value is $2.58 billion.

Market Cap	2.00B
Enterprise Value	2.58B

Important Dates

The last earnings date was Monday, November 10, 2025, before market open.

Earnings Date	Nov 10, 2025
Ex-Dividend Date	n/a

Share Statistics

PGY has 80.40 million shares outstanding. The number of shares has increased by 13.24% in one year.

Current Share Class	69.11M
Shares Outstanding	80.40M
Shares Change (YoY)	+13.24%
Shares Change (QoQ)	+14.28%
Owned by Insiders (%)	15.74%
Owned by Institutions (%)	52.76%
Float	60.75M

Valuation Ratios

PE Ratio	n/a
Forward PE	8.12
PS Ratio	1.52
Forward PS	1.34
PB Ratio	4.54
P/TBV Ratio	4.91
P/FCF Ratio	10.47
P/OCF Ratio	9.72
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.19, with an EV/FCF ratio of 13.53.

EV / Earnings	n/a
EV / Sales	2.07
EV / EBITDA	10.19
EV / EBIT	11.73
EV / FCF	13.53

Financial Position

The company has a current ratio of 5.11, with a Debt / Equity ratio of 1.42.

Current Ratio	5.11
Quick Ratio	4.55
Debt / Equity	1.42
Debt / EBITDA	3.08
Debt / FCF	4.21
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -36.32% and return on invested capital (ROIC) is 10.29%.

Return on Equity (ROE)	-36.32%
Return on Assets (ROA)	9.73%
Return on Invested Capital (ROIC)	10.29%
Return on Capital Employed (ROCE)	16.02%
Revenue Per Employee	$2.25M
Profits Per Employee	-$350,150
Employee Count	553
Asset Turnover	0.88
Inventory Turnover	n/a

Taxes

In the past 12 months, PGY has paid $3.81 million in taxes.

Income Tax	3.81M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +140.14% in the last 52 weeks. The beta is 5.87, so PGY's price volatility has been higher than the market average.

Beta (5Y)	5.87
52-Week Price Change	+140.14%
50-Day Moving Average	26.77
200-Day Moving Average	22.51
Relative Strength Index (RSI)	49.53
Average Volume (20 Days)	4,006,839

Short Selling Information

The latest short interest is 12.71 million, so 15.81% of the outstanding shares have been sold short.

Short Interest	12.71M
Short Previous Month	12.13M
Short % of Shares Out	15.81%
Short % of Float	20.92%
Short Ratio (days to cover)	2.74

Income Statement

In the last 12 months, PGY had revenue of $1.25 billion and -$193.63 million in losses. Loss per share was -$2.53.

Revenue	1.25B
Gross Profit	528.62M
Operating Income	219.95M
Pretax Income	-210.99M
Net Income	-193.63M
EBITDA	253.28M
EBIT	219.95M
Loss Per Share	-$2.53

Full Income Statement

Balance Sheet

The company has $218.31 million in cash and $802.42 million in debt, giving a net cash position of -$584.11 million or -$7.27 per share.

Cash & Cash Equivalents	218.31M
Total Debt	802.42M
Net Cash	-584.11M
Net Cash Per Share	-$7.27
Equity (Book Value)	565.94M
Book Value Per Share	5.47
Working Capital	337.65M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $205.45 million and capital expenditures -$14.79 million, giving a free cash flow of $190.65 million.

Operating Cash Flow	205.45M
Capital Expenditures	-14.79M
Free Cash Flow	190.65M
FCF Per Share	$2.37

Full Cash Flow Statement

Margins

Gross margin is 42.43%, with operating and profit margins of 17.65% and -15.32%.

Gross Margin	42.43%
Operating Margin	17.65%
Pretax Margin	-16.93%
Profit Margin	-15.32%
EBITDA Margin	20.33%
EBIT Margin	17.65%
FCF Margin	15.30%

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	-13.24%
Shareholder Yield	-13.24%
Earnings Yield	-9.70%
FCF Yield	9.55%

Dividend Details

Analyst Forecast

The average price target for PGY is $39.86, which is 60.53% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$39.86
Price Target Difference	60.53%
Analyst Consensus	Strong Buy
Analyst Count	7
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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 1.64 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	1.64
Piotroski F-Score	6