PGY
Pagaya Technologies Ltd.
$19.09
-0.14
(-0.70%)
Mkt Cap
1.59B
Volume
2,144,222
52W Range
10.4-31.06
Sector
Technology
Beta
5.52
EPS (TTM)
1.50 USD
P/E Ratio
12.72
Revenue (TTM)
1.33B USD
Rev Growth (5Y)
+68.9%
EPS Growth (5Y)
-1.7%
AlphaVal · Fair Value
What we estimate one share is worth
$90.55
Undervalued
strong signal
78.9% below fair value
Modeled from cash flows & growth.
AlphaQuality · Grade · Gated
How strong & durable the business is
F
Platform & Compounding FCF
30.0 / 100 pillar composite (overridden)
A platform business that compounds free cash flow — graded A–F vs. similar companies.
Company Description
Pagaya Technologies Ltd. is a financial technology enterprise operating across Israel, the United States, and the Cayman Islands. The company specializes in developing and implementing its proprietary artificial intelligence systems and associated software platforms. These advanced solutions are designed to assist its diverse range of partners – including rapidly growing fintech companies, traditional financial institutions, auto finance providers, and brokers – in originating various loans and other financial assets. Founded in 2016, Pagaya Technologies Ltd. is headquartered in Tel Aviv, Israel.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|
| Revenue | 1.26B | 1.00B | 772.81M | 685.41M | 445.87M | 91.74M | 36.14M |
| Net Income | 81.39M | (401.41M) | (128.44M) | (302.32M) | (91.15M) | 14.47M | (5.62M) |
| EPS | 0.99 | -5.66 | -2.14 | -8.22 | -4.27 | 1.08 | -0.54 |
| Free Cash Flow | 224.72M | 43.28M | (10.61M) | (62.41M) | 43.19M | 3.16M | (8.61M) |
| FCF / Share | 2.87 | 0.61 | -0.18 | -1.63 | 2.65 | 0.17 | -0.55 |
| Operating CF | 238.62M | 66.52M | 9.58M | (40.00M) | 49.81M | 4.26M | (7.95M) |
| Total Assets | 1.55B | 1.29B | 1.21B | 1.05B | 590.26M | 204.27M | 58.63M |
| Total Debt | 858.48M | 680.81M | 412.58M | 212.26M | 37.91M | 0 | 0 |
| Cash & Equiv | 235.33M | 187.92M | 186.48M | 309.79M | 190.78M | 5.07M | 4.83M |
| Book Value | 480.02M | 326.49M | 559.72M | 553.52M | 308.34M | 109.18M | 32.19M |
| Return on Equity | 0.17 | -1.23 | -0.23 | -0.55 | -0.30 | 0.13 | -0.17 |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 365.64M | 298.99M | 321.04M | 339.89M | 317.71M | 282.70M | 275.67M | 249.28M | 242.59M | 237.00M | 210.43M | 201.45M |
| Net Income | 45.27M | 24.69M | 34.30M | 22.55M | 16.66M | 7.89M | (237.92M) | (67.48M) | (74.78M) | (21.22M) | (14.42M) | (21.75M) |
| EPS | 0.53 | 0.29 | 0.41 | 0.27 | 0.20 | 0.10 | -3.20 | -0.93 | -1.04 | -0.33 | -0.24 | -0.36 |
| Free Cash Flow | 71.25M | 40.01M | 76.71M | 63.81M | 53.55M | 30.65M | 22.59M | (11.34M) | 4.92M | 12.56M | 14.31M | 11.08M |
| FCF / Share | 0.86 | 0.48 | 0.94 | 0.81 | 0.70 | 0.40 | 0.30 | -0.16 | 0.07 | 0.19 | 0.23 | 0.18 |
| Operating CF | 74.70M | 43.18M | 79.80M | 67.05M | 57.35M | 34.43M | 32.06M | (7.11M) | 9.29M | 17.71M | 18.95M | 16.14M |
| Total Assets | 1.69B | 1.65B | 1.55B | 1.46B | 1.40B | 1.28B | 1.29B | 1.37B | 1.45B | 1.48B | 1.21B | 1.22B |
| Total Debt | 907.34M | 928.00M | 858.48M | 802.42M | 763.71M | 678.74M | 680.81M | 687.08M | 753.02M | 614.71M | 412.58M | 493.13M |
| Cash & Equiv | 249.26M | 317.81M | 235.33M | 218.31M | 182.99M | 186.80M | 187.92M | 147.10M | 233.59M | 274.50M | 186.48M | 252.58M |
| Book Value | 594.15M | 529.31M | 480.02M | 468.40M | 366.75M | 335.49M | 326.49M | 462.31M | 525.98M | 626.83M | 559.72M | 535.93M |
| Return on Equity | 0.08 | 0.05 | 0.07 | 0.05 | 0.05 | 0.02 | -0.73 | -0.15 | -0.14 | -0.03 | -0.03 | -0.04 |
PGY News
Pagaya Technologies Ltd. (PGY) Registers a Bigger Fall Than the Market: Important Facts to Note
PGY vs. OMF: Which Consumer Lending Stock Has Better Growth Potential?
Pagaya Closes 100th Asset-Backed Securitization with New $650 Million Auto ABS Deal
Will PGY's Expanding Funding Base Reduce Its Reliance on ABS Markets?
Stock Picks From Seeking Alpha's September 2026 New Analysts
Pagaya Announces Timing of Third Quarter 2026 Earnings Release
Why Pagaya Technologies Ltd. (PGY) Outpaced the Stock Market Today
3 Small-Cap Stocks With Catalysts That Could Put Them in the Spotlight
Pagaya Issues AAA-Rated $600 Million Personal Loan ABS Transaction
Why Pagaya Stock Dropped 20% in September