Pagaya Technologies Ltd.

PGY | NASDAQ

Price Alert Chart Builder DCF Calculator

$20.90

+$0.48 (+2.35%)

At close: Sep 21, 2026, 4:00 PM ET

$21.10

+$0.20 (+0.94%)

After-hours: Sep 21, 2026, 7:58 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $1.7B

Enterprise Value $1.91B

Beta 5.37

Average Volume 3.49M

Shares Outstanding (Diluted) 97.25M

Shares Change YoY 22.07%

Institutional Ownership 44.58%

Exchange NASDAQ

ISIN IL0011858912

Price Performance

Price Change 1M -2.6%

Price Change 3M 39.3%

Price Change 6M 80.3%

Price Change YTD -6.2%

Price Change 1Y -49.4%

Price Change 3Y 6.8%

Price Change 5Y -82.4%

1M CAGR (ann.) -4.7%

1Y CAGR (ann.) -51.3%

5Y CAGR (ann.) -29.5%

All-Time CAGR -27.9%

Valuation

PE Ratio 15.26

Forward PE 8.77

PEG Ratio 0.04

Forward PEG 0.37

PS Ratio 1.32

Forward PS 1.00

PB Ratio 2.93

P/FCF Ratio 6.93

P/Adj. FCF Ratio 7.84

P/OCF Ratio 6.57

EV/Sales 1.44

EV/EBIT 19.36

EV/EBITDA 15.76

EV/FCF 7.59

Earnings Yield 6.6%

FCF Yield 14.4%

Adj. FCF Yield 12.8%

Financial Health

Net Debt $167.44M

Total Debt $471.87M

Cash & Short-Term Investments $304.42M

Total Assets $1.69B

Current Ratio 11.51

Quick Ratio 11.51

Debt / Equity Ratio 1.53

Debt / EBITDA 3.89

Debt / FCF 1.87

OCF / Debt 0.56

Interest Coverage 0.00

Altman Z-Score 2.36

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 40.6%

Operating Profit Margin 21.2%

EBITDA Margin 9.2%

Net Profit Margin 9.6%

FCF Margin 19.0%

Adj. FCF Margin 16.8%

SBC / Revenue 2.9%

SBC Impact (per share) -11.7%

Returns

Return on Assets 7.5%

Return on Equity 24.5%

Return on Invested Capital 17.7%

Return on Capital Employed 18.1%

Return on Tangible Assets 7.6%

Historical Growth (CAGR)

Revenue CAGR 3Y 22.3%

Revenue CAGR 5Y 38.9%

Revenue CAGR 10Y N/A

EPS CAGR 3Y 112.8%

EPS CAGR 5Y 59.9%

EPS CAGR 10Y N/A

FCF CAGR 3Y 80.3%

FCF CAGR 5Y 112.3%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Buy

Analyst Count 13

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 8, 2026

EPS Estimate (next Q) $0.97

EPS Growth Est (next Q) 321.7%

Revenue Est (next Q) $383M

Revenue Growth Est (next Q) 9.4%

Fair Value Estimates

Graham Number $15.51

Graham Upside -25.8%

Lynch Fair Value $34.25

Lynch Upside 63.9%

Price Target $30

Price Target Upside 43.5%

Cash Flow

Operating Cash Flow $264.73M

Free Cash Flow $251.78M

Adj. Free Cash Flow $222.43M

FCF Per Share $3.03

OCF Per Share $3.18

OCF/S Ratio 20.0%

Income Statement

Revenue $1.33B

Gross Profit $538.66M

Operating Income $281.07M

EBITDA $121.23M

Net Income $126.81M

EPS (Diluted) $1.37

Revenue / Employee $2.69M

Profit / Employee $257.22K

Employees 493