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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| PGY | +13.74% | N/A | N/A | -89% |
| S&P | +14.39% | +76.41% | +12.02% | +66% |
Pagaya Technologies Ltd. engages in the development of AI and data networks for the financial industry. Its product deploys data science, machine learning and AI technology to evaluate the customers? applications in real time. The company was founded by Gal Krubiner, Yahav Yulzari, and Avital Pardo on March 20, 2016 and is headquartered in Tel Aviv, Israel.
The stock market can act irrationally in the short term.
The fintech didn't meet the high expectations of Mr. Market.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $321.04M | 16.5% |
| Gross Profit | $130.99M | 17.8% |
| Gross Margin | 40.80% | 0.5% |
| Market Cap | $1.68B | 145.6% |
| Market Cap / Employee | $3.04M | 0.0% |
| Employees | 553 | 0.0% |
| Net Income | $29.04M | 111.3% |
| EBITDA | $73.07M | 88.4% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $288.35M | 39.6% |
| Accounts Receivable | $153.25M | 36.6% |
| Inventory | 0 | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $888.59M | 42.9% |
| Short Term Debt | $133.98M | -37.3% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 5.72% | 37.6% |
| Return On Invested Capital | -26.03% | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $76.71M | 173.1% |
| Operating Free Cash Flow | $79.80M | 148.9% |
| Metric | Q4 2025 | YoY Change | |||
|---|---|---|---|---|---|
| Price to Earnings | 23.58 | - | |||
| Price to Book | 2.37 | 4.79 | 6.17 | 3.82 | 161.13% |
| Price to Sales | 0.77 | 1.51 | 2.22 | 1.69 | 145.68% |
| Price to Tangible Book Value | 2.66 | 5.34 | 6.78 | 4.12 | 174.64% |
| Price to Free Cash Flow TTM | 12.59 | 15.94 | 15.35 | 9.48 | -33.03% |
| Enterprise Value to EBITDA | 27.28 | 41.66 | 30.39 | 38.40 | 10.63% |
| Free Cash Flow Yield | 7.9% | 6.3% | 6.5% | 10.5% | 49.33% |
| Return on Equity | -77.4% | -62.9% | -42.4% | 20.2% | -122.28% |
| Total Debt | $752.99M | $837.96M | $832.52M | $888.59M | 17.68% |
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