Pagaya Technologies Ltd./$PGY
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About Pagaya Technologies Ltd.
Pagaya Technologies Ltd is a financial technology company working to reshape the lending marketplace by using machine learning, data analytics, and sophisticated AI-driven credit and analysis technology. It was built to provide a comprehensive solution to enable the credit industry to deliver customers a positive experience while simultaneously enhancing the broader credit ecosystem. Its proprietary API seamlessly integrates into its next-gen infrastructure network of partners to deliver a premium customer user experience and greater access to credit. The company generates majority of its revenue from United States.
Ticker
$PGY
Sector
Software & Cloud Services
Primary listing
Employees
524
Headquarters
Website
PGY Metrics
BasicAdvanced
$2.1B
-
-$3.77
5.99
-
Price and volume
Market cap
$2.1B
Beta
5.99
52-week high
$44.99
52-week low
$8.50
Average daily volume
4.9M
Financial strength
Current ratio
1.424
Quick ratio
1.269
Long term debt to equity
105.789
Total debt to equity
140.847
Profitability
EBITDA (TTM)
193.086
Gross margin (TTM)
42.26%
Net profit margin (TTM)
-24.36%
Operating margin (TTM)
14.08%
Effective tax rate (TTM)
-2.46%
Revenue per employee (TTM)
$2,200,000
Management effectiveness
Return on assets (TTM)
7.12%
Return on equity (TTM)
-50.70%
Valuation
Price to revenue (TTM)
1.802
Price to book
5.75
Price to tangible book (TTM)
6.33
Price to free cash flow (TTM)
18.885
Free cash flow yield (TTM)
5.30%
Free cash flow per share (TTM)
1.467
Growth
Revenue change (TTM)
24.59%
Earnings per share change (TTM)
83.38%
3-year revenue growth (CAGR)
21.46%
3-year earnings per share growth (CAGR)
-36.01%
Bulls say / Bears say
Pagaya posted a record second quarter in 2025, with total revenue and other income up 30% year-over-year to $326 million and GAAP net income of $17 million. This marks the company’s second consecutive profitable quarter (Business Wire).
The company grew its asset-backed securitization business by raising $2.3 billion across six ABS deals in the second quarter, including its first ever $300 million AAA-rated Auto ABS and $300 million POS ABS, expanding its funding network to 145 partners (Business Wire).
Pagaya entered the buy-now-pay-later bond market by issuing its first $300 million Klarna-backed point-of-sale securitization, arranged by JPMorgan Chase and Apollo’s Atlas. This highlights its AI underwriting capabilities in a fast-growing segment of consumer finance (The Wall Street Journal).
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 2025.
PGY News
AllArticlesVideos
KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2025-7 & Pagaya AI Debt Trust 2025-7
Business Wire3 days ago
Pagaya Closes Upsized $600 Million PAID Deal, Adding to its Momentum Across ABS Programs
Business Wire1 month ago
KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2025-6 and Pagaya AI Debt Trust 2025-6
Business Wire1 month ago
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FAQs
What’s the current market cap for Pagaya Technologies Ltd. stock?
Pagaya Technologies Ltd. (PGY) has a market cap of $2.1B as of October 18, 2025.
What is the P/E ratio for Pagaya Technologies Ltd. stock?
The price to earnings (P/E) ratio for Pagaya Technologies Ltd. (PGY) stock is 0 as of October 18, 2025.
Does Pagaya Technologies Ltd. stock pay dividends?
No, Pagaya Technologies Ltd. (PGY) stock does not pay dividends to its shareholders as of October 18, 2025.
When is the next Pagaya Technologies Ltd. dividend payment date?
Pagaya Technologies Ltd. (PGY) stock does not pay dividends to its shareholders.
What is the beta indicator for Pagaya Technologies Ltd.?
Pagaya Technologies Ltd. (PGY) has a beta rating of 5.99. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.