Sunday 18 October 2026
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Pagaya Technologies Ltd.
PGY Technology Software Infrastructure
Pagaya Technologies Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 26.1% from fiscal 2024. In the quarter to June 2026, revenue grew 18.6%, EPS grew 165.0%, free cash flow grew 33.1% and total debt rose 25.0%, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for three; insiders bought in the last twelve months.
17.23
0.68
−3.80%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '17 | |
|---|---|---|---|---|---|---|---|
P/E ratio |
21.33 | 0.00 | 0.00 | 0.00 | 0.00 | 13.07 | — |
Piotroski F-Score |
7 | 5 | 4 | 1 | — | — | — |
Altman Z-Score |
2.62 | 1.39 | 1.30 | 0.92 | 3.77 | — | — |
P/S ratio |
1.26 | 0.64 | 1.15 | 0.67 | 0.00 | 0.00 | — |
P/FCF ratio |
7.29 | 21.94 | 0.00 | 0.00 | 44.89 | 0.00 | — |
Altman Z″-Score (non-manufacturers) |
5.30 | 3.75 | 0.93 | 1.80 | 2.19 | 23.17 | — |
P/Operating CF |
20.52 | 23.64 | 49.43 | (238.19) | 161.41 | (105.52) | — |
Beneish M-Score |
(2.81) | (4.37) | (3.01) | (3.20) | (1.54) | — | — |
P/B ratio |
2.95 | 1.49 | 1.41 | 0.66 | 10.93 | 16.88 | — |
Dividend Safety Score |
70 | — | — | — | — | — | — |
Price to Tangible BV |
3.12 | 1.62 | 1.44 | 0.66 | 10.93 | 16.88 | — |
EV/Sales |
0.97 | 0.27 | 1.35 | 0.44 | 0.00 | 0.00 | — |
EV/EBITDA |
4.29 | 2.91 | 0.00 | 0.00 | 0.00 | 0.00 | — |
EV/Operating CF |
5.29 | 5.82 | 114.07 | (8.16) | 35.53 | 0.00 | — |
EV/FCF |
5.62 | 9.26 | (102.95) | (5.23) | 40.98 | 0.00 | — |
Quick Ratio |
10.55 | 8.67 | 3.81 | 3.07 | 8.38 | 17.68 | — |
Current Ratio |
10.55 | 8.67 | 4.05 | 3.28 | 8.60 | 18.04 | — |
Net Debt/EBITDA |
(1.90) | (3.98) | (29.56) | 0.73 | 33.78 | (2.81) | — |
Debt/Assets |
43.70% | 48.35% | 29.93% | 14.80% | 6.65% | 0.98% | 0.00% |
Debt/Equity |
1.15 | 1.21 | 0.54 | 0.20 | 0.22 | 0.01 | — |
Asset Turnover |
0.92 | 0.83 | 0.72 | 0.92 | 1.19 | 0.97 | — |
Operating CF/Net income |
2.93 | (0.12) | (0.07) | 0.13 | (0.37) | 0.87 | — |
Capex/Depreciation |
(0.46) | (0.81) | (1.06) | (3.56) | (8.13) | (3.78) | — |
| 16.33% | (72.50%) | (17.95%) | (66.72%) | (101.18%) | 3.95% | — | |
| 5.74% | (32.12%) | (11.40%) | (38.47%) | (33.81%) | 4.81% | — | |
ROIC |
603.42% | 30.92% | (1.86%) | (26.79%) | (41.84%) | 9.95% | — |
Return on Tangible Assets |
6.33% | (38.62%) | (47.56%) | (97.24%) | (59.56%) | 6.62% | — |
Average Days of Receivables |
42.98 | 44.95 | 35.75 | 28.86 | 24.87 | 47.23 | — |
Research and Development Expense of Revenue |
5.78% | 7.42% | 9.16% | 20.15% | 13.95% | 12.46% | — |
Selling, General and Administrative Expense of Revenue |
16.38% | 28.21% | 31.17% | 53.20% | 38.32% | 16.50% | — |
Intangible Assets out of Total Assets |
0.02 | 0.03 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
4.16% | 5.96% | 8.75% | 32.27% | 14.28% | 0.16% | — |
Graham Net Nets |
0.24 | 0.54 | (0.26) | 0.28 | (0.09) | (3.35) | — |
Graham Number |
12.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Earnings Yield |
4.69% | (59.20%) | (13.85%) | (77.18%) | (3.59%) | 7.65% | — |
Free Cash Flow Yield |
13.73% | 4.56% | (1.13%) | (12.36%) | 2.23% | 0.00% | — |
Revenue per Share |
16.61 | 14.56 | 13.53 | 19.58 | 29.17 | 1,162.09 | — |
Operating CF per Share |
3.05 | 0.67 | 0.16 | (1.05) | 3.06 | 49.96 | — |
Capex per Share |
(0.18) | (0.33) | (0.34) | (0.59) | (0.41) | (12.88) | — |
Free Cash Flow per Share |
2.87 | 0.35 | (0.18) | (1.63) | 2.65 | 37.09 | — |
Cash per Share |
15.75 | 14.18 | 3.43 | 8.71 | 12.78 | 735.15 | — |
Shareholders Equity per Share |
7.47 | 7.28 | 11.09 | 20.01 | 10.90 | 2,278.47 | — |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Book value per Share |
7.47 | 7.28 | 11.09 | 20.01 | 10.90 | 2,278.47 | — |
Free Cash Flow |
224.72 | 24.51 | (10.61) | (62.41) | 43.19 | 3.16 | — |
Working Capital |
1,255.40 | 1,001.41 | 228.48 | 291.80 | 217.86 | 72.71 | — |
Capital Expenditures |
(13.90) | (23.24) | (20.19) | (22.41) | (6.62) | (1.10) | — |
Net Current Asset Value |
426.41 | 356.77 | (239.22) | 140.16 | (166.37) | 66.83 | — |
EV/EBIT |
4.78 | 4.16 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Capex to Sales |
0.01 | 0.02 | 0.02 | 0.03 | 0.01 | 0.01 | — |
Price to Operating Income |
6.21 | 9.85 | 0.00 | 0.00 | 0.00 | 0.00 | — |
| Other line items | |||||||
Depreciation/Fixed assets |
1.00 | 0.76 | 0.46 | 0.20 | 0.11 | 0.19 | — |
Cash ROIC |
9.01% | 1.14% | (0.86%) | (4.98%) | 10.17% | 1.22% | — |
Accounts Receivable Turnover |
9.28 | 9.99 | 11.71 | 16.36 | 21.03 | 0.00 | — |
Accounts Payable Turnover |
137.17 | 144.40 | 336.49 | 67.74 | 38.21 | 0.00 | — |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Days of Payables |
1.92 | 4.27 | 0.92 | 1.41 | 18.19 | 4.32 | — |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Receivables |
140.18 | 103.32 | 69.37 | 45.78 | 22.57 | — | — |
Average Payables |
5.46 | 4.14 | 1.51 | 6.66 | 6.08 | — | — |
Average Assets |
1,418.49 | 1,249.72 | 1,126.73 | 817.67 | 397.27 | 102.14 | — |
Average Common Equity |
498.45 | 553.65 | 715.59 | 471.39 | 132.75 | 124.36 | — |
Columns are period end dates