Pagaya Technologies Statistics

Total Valuation

PGY has a market cap or net worth of $1.11 billion. The enterprise value is $789.52 million.

Market Cap	1.11B
Enterprise Value	789.52M

Important Dates

The next confirmed earnings date is Thursday, May 7, 2026, before market open.

Earnings Date	May 7, 2026
Ex-Dividend Date	n/a

Share Statistics

PGY has 82.53 million shares outstanding. The number of shares has increased by 17.24% in one year.

Current Share Class	71.24M
Shares Outstanding	82.53M
Shares Change (YoY)	+17.24%
Shares Change (QoQ)	+11.95%
Owned by Insiders (%)	15.53%
Owned by Institutions (%)	51.70%
Float	62.72M

Valuation Ratios

The trailing PE ratio is 14.48 and the forward PE ratio is 4.73. PGY's PEG ratio is 0.04.

PE Ratio	14.48
Forward PE	4.73
PS Ratio	0.85
Forward PS	0.75
PB Ratio	2.27
P/TBV Ratio	2.47
P/FCF Ratio	5.33
P/OCF Ratio	4.66
PEG Ratio	0.04

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 2.92, with an EV/FCF ratio of 3.78.

EV / Earnings	10.22
EV / Sales	0.61
EV / EBITDA	2.92
EV / EBIT	2.99
EV / FCF	3.78

Financial Position

The company has a current ratio of 13.11, with a Debt / Equity ratio of 1.47.

Current Ratio	13.11
Quick Ratio	12.55
Debt / Equity	1.47
Debt / EBITDA	3.11
Debt / FCF	4.11
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.96% and return on invested capital (ROIC) is 100.38%.

Return on Equity (ROE)	12.96%
Return on Assets (ROA)	11.62%
Return on Invested Capital (ROIC)	100.38%
Return on Capital Employed (ROCE)	18.34%
Weighted Average Cost of Capital (WACC)	20.28%
Revenue Per Employee	$2.51M
Profits Per Employee	$149,197
Employee Count	518
Asset Turnover	0.92
Inventory Turnover	n/a

Taxes

Income Tax	-19.75M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +20.16% in the last 52 weeks. The beta is 5.76, so PGY's price volatility has been higher than the market average.

Beta (5Y)	5.76
52-Week Price Change	+20.16%
50-Day Moving Average	12.12
200-Day Moving Average	23.66
Relative Strength Index (RSI)	53.06
Average Volume (20 Days)	3,122,122

Short Selling Information

The latest short interest is 13.60 million, so 16.49% of the outstanding shares have been sold short.

Short Interest	13.60M
Short Previous Month	14.15M
Short % of Shares Out	16.49%
Short % of Float	21.69%
Short Ratio (days to cover)	4.50

Income Statement

In the last 12 months, PGY had revenue of $1.30 billion and earned $77.28 million in profits. Earnings per share was $0.93.

Revenue	1.30B
Gross Profit	552.19M
Operating Income	263.83M
Pretax Income	51.63M
Net Income	77.28M
EBITDA	270.00M
EBIT	263.83M
Earnings Per Share (EPS)	$0.93

Full Income Statement

Balance Sheet

The company has $1.18 billion in cash and $858.48 million in debt, giving a net cash position of $322.11 million or $3.90 per share.

Cash & Cash Equivalents	1.18B
Total Debt	858.48M
Net Cash	322.11M
Net Cash Per Share	$3.90
Equity (Book Value)	585.45M
Book Value Per Share	5.85
Working Capital	1.30B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $238.62 million and capital expenditures -$29.90 million, giving a free cash flow of $208.72 million.

Operating Cash Flow	238.62M
Capital Expenditures	-29.90M
Depreciation & Amortization	6.18M
Net Borrowing	160.93M
Free Cash Flow	208.72M
FCF Per Share	$2.53

Full Cash Flow Statement

Margins

Gross margin is 42.43%, with operating and profit margins of 20.27% and 6.25%.

Gross Margin	42.43%
Operating Margin	20.27%
Pretax Margin	3.97%
Profit Margin	6.25%
EBITDA Margin	20.75%
EBIT Margin	20.27%
FCF Margin	16.04%

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	-17.24%
Shareholder Yield	-17.24%
Earnings Yield	6.95%
FCF Yield	18.78%

Analyst Forecast

The average price target for PGY is $34.50, which is 156.13% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$34.50
Price Target Difference	156.13%
Analyst Consensus	Strong Buy
Analyst Count	8
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 2.64 and a Piotroski F-Score of 7. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.64
Piotroski F-Score	7