Profitability
Weight: 25%
D-
30
- 5yr Avg ROIC -10.0%
- Operating Margin Trend +9.07 pp/yr
PGY
Pagaya Technologies Ltd.
AlphaQuality composite grade, weighted for platform & compounding fcf businesses.
⚠ 4 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a platform & compounding fcf business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
F
0
- 5yr Avg ROE -42.6%
- 5yr Share-Count CAGR 35.2%
Growth Quality
Weight: 25%
B
70
- 5yr Revenue CAGR 68.9%
- 5yr EPS CAGR -2.9%
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 20%
C
56
- 5yr FCF Margin 4.3%
- 5yr FCF/NI Conversion 2.76x
Balance Sheet
Weight: 10%
A
88
- Net Debt / EBITDA -4.11x
- Interest Coverage (EBIT/Int) 30.00x
- Altman Z-Score 2.29
Stability
Weight: 5%
A
88
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed; 1 full exit.
- Holders
- 2
- Avg Δ position
- -50.5%
- New buys
- 0
- Full exits
- 1