Pagaya Technologies Ltd. (PGY)

22.98USD +0.39% (+0.09)

Over 1M: +8.0%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

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7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q2 '22 — Revenue: 163.3M Q2 '22 — Net Income: -175.3M Q1 '23 — Revenue: 175.3M Q1 '23 — Operating Cash Flow: -23.7M Q1 '23 — Net Income: -61M Q2 '23 — Revenue: 185.7M Q2 '23 — Operating Cash Flow: -1.8M Q2 '23 — Net Income: -31.3M Q3 '23 — Revenue: 201.4M Q3 '23 — Operating Cash Flow: 16.1M Q3 '23 — Net Income: -21.8M Q4 '23 — Revenue: 210.4M Q4 '23 — Operating Cash Flow: -12.3M Q4 '23 — Net Income: -14.4M Q1 '24 — Revenue: 237M Q1 '24 — Operating Cash Flow: 17.7M Q1 '24 — Net Income: -21.2M Q2 '24 — Revenue: 242.6M Q2 '24 — Operating Cash Flow: 9.3M Q2 '24 — Net Income: -74.8M Q3 '24 — Revenue: 249.3M Q3 '24 — Operating Cash Flow: -7.1M Q3 '24 — Net Income: -67.5M Q4 '24 — Revenue: 275.7M Q4 '24 — Operating Cash Flow: 27.9M Q4 '24 — Net Income: -237.9M Q1 '25 — Revenue: 282.7M Q1 '25 — Operating Cash Flow: 34.4M Q1 '25 — Net Income: 7.9M Q2 '25 — Revenue: 317.7M Q2 '25 — Operating Cash Flow: 57.4M Q2 '25 — Net Income: 16.7M Q3 '25 — Revenue: 339.9M Q3 '25 — Operating Cash Flow: 67M Q3 '25 — Net Income: 22.5M Q4 '25 — Revenue: 321M Q4 '25 — Operating Cash Flow: 79.8M Q4 '25 — Net Income: 34.3M Q1 '26 — Revenue: 299M Q1 '26 — Operating Cash Flow: 43.2M Q1 '26 — Net Income: 24.7M Q2 '26 — Revenue: 365.6M Q2 '26 — Operating Cash Flow: 74.7M Q2 '26 — Net Income: 45.3M -150M 0 150M 300M 450M
Q2 '22 Q2 '23 Q4 '23 Q2 '24 Q4 '24 Q2 '25 Q4 '25 Q2 '26
Revenue Operating Cash Flow Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

7.5
ROIC 84.4%
Oper. margin 26.1%
OE margin 16.1%
Accruals -8.1%
ROCE 24.0%
ROE 21.3%
FCF margin 19.0%
OCF margin 20.0%
ROA 7.5%
Gross margin 40.6%
OCF / EBIT 0.77×

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

10.0
EV/EBIT 5.5×
EV/OE 9.0×
EV/Sales 1.4×
FCF yield 11.5%
P/C 8.1×
P/E 17.3×
P/B 3.7×
Div. yield —
EV/GP —
Fwd P/E —
PEG —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

4.7
RPO / sales —
RPO growth —
Segment HHI —

3 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

4.9
ND/EBITDA 0.14
Debt / Eq 0.0×
Debt payback 0.0 yr
F-score 7.7 pts
Payout 0.0%
Quick ratio 1.4×
Cash / Debt —
Cash runway —

3 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

5.9
Sales CAGR 4Y +29.7%
Sales/sh Y/Y +0.46%
EBIT Y/Y +118.3%
Sales Q/Q +15.1%
Shares change +17.2%
Div. growth —
EBIT CAGR —
EPS CAGR 4Y —
EPS Y/Y —
EPS next Y —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.