Pagaya Technologies Ltd./$PGY
1D1W1MYTD1Y5YMAX
Capital at risk
About Pagaya Technologies Ltd.
Pagaya Technologies Ltd is a product-focused technology company. It uses machine learning, a vast data network, and an AI-driven approach to offer comprehensive consumer credit and residential real estate products for its partners, their customers, and investors. Its suite of products includes Decline Monetization, Dual Look, First Look, Affiliate Optimizer Engine, Direct Marketing Engine, and FastPass, providing lenders with an AI-powered credit and acquisition ecosystem that helps them approve more borrowers, capture more demand, and grow without adding risk. Geographically, the company generates maximum revenue from its business in the United States.
- Ticker
- $PGY
- Sector
- Software & Cloud Services
- Primary listing
- NASDAQ
- Employees
- 493
- Headquarters
- New York, United States
- Website
- pagaya.com
PGY Metrics
BasicAdvanced
$1.7B
14.64
$1.39
5.34
-
Price and volume
Market cap
$1.7B
Beta
5.34
52-week high
$44.68
52-week low
$10.40
Average daily volume
2.2M
Financial strength
Current ratio
14.584
Quick ratio
13.947
Long term debt to equity
1.337
Total debt to equity
1.337
Profitability
EBITDA (TTM)
339.416
Gross margin (TTM)
43.39%
Net profit margin (TTM)
9.12%
Operating margin (TTM)
24.86%
Effective tax rate (TTM)
-20.39%
Revenue per employee (TTM)
$2,820,000
Management effectiveness
Return on assets (TTM)
13.97%
Return on equity (TTM)
19.46%
Valuation
Price to earnings (TTM)
14.642
Price to revenue (TTM)
1.199
Price to book
2.87
Price to tangible book (TTM)
3.01
Price to free cash flow (TTM)
7.069
Free cash flow yield (TTM)
14.15%
Free cash flow per share (TTM)
2.889
Growth
Revenue change (TTM)
20.55%
Earnings per share change (TTM)
-137.03%
3-year revenue growth (CAGR)
21.28%
3-year earnings per share growth (CAGR)
-26.03%
Bulls say / Bears say
Record network volume of $3.5 billion in Q2 2026, a 33% year-over-year increase driven by strength in the Auto vertical, demonstrating the scalability of Pagaya’s AI-driven credit ecosystem. (Marketbeat)
Total revenue and other income rose 19% year-over-year to a record $387 million in Q2 2026, exceeding guidance and reflecting robust demand for Pagaya’s AI-powered lending solutions. (Marketbeat)
Pagaya raised its full-year 2026 GAAP net income guidance by approximately 25% at the midpoint to $155 million–$180 million, underscoring management’s confidence in the company’s growth trajectory. (Marketbeat)
Fee Revenue Less Production Costs (FRLPC) percentage fell to 4.6% in Q1 2026 as higher funding costs forced tighter conversion ratios, highlighting risks of margin compression. (DeepValue)
Pagaya’s top five funding investors account for approximately 59% of network volume, and one related-party customer represents about 20% of fee revenue, exposing the company to partner concentration risk. (DeepValue)
Management expects point-of-sale volume to decline in late Q3 and Q4 2026 as one key partner rolls off, which could weigh on network volume growth and revenue momentum. (Marketbeat)
Data summarised monthly by Lightyear AI. Last updated on 30 Aug 2026.
Upcoming events
No upcoming events
PGY News
AllArticlesVideos
Pagaya Appoints Payments Pioneer Jason Gardner to Board of Directors
Business Wire4 days ago
Pagaya Signs Auto Forward Flow Agreement with Neuberger Specialty Finance Expanding Long-Term, Committed Capital Strategy
Business Wire5 days ago
15 Stocks to Watch With Short Squeeze Potential
Schaeffers Research3 weeks ago
Funds containing PGY
AllUSDGBPEUR
Fund name | Fund size | $PGY weighting |
|---|---|---|
iShares Digitalisation$DGTL | $793M | 0.05% |
iShares Digitalisation£DGIT | £585M | 0.05% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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