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
$3.2B
-
-$3.77
5.99
-
Price and volume
Market cap
$3.2B
Beta
5.99
52-week high
$42.20
52-week low
$8.50
Average daily volume
3.8M
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)
2.729
Price to book
8.71
Price to tangible book (TTM)
9.59
Price to free cash flow (TTM)
28.6
Free cash flow yield (TTM)
3.50%
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
In Q2 2025, Pagaya reported total revenue up 30% YoY to $326 million, led by growth in the Auto and POS sectors. Adjusted EBITDA rose 72% YoY to $86 million, and GAAP net income stayed positive for a second quarter with $17 million.
After Q2 results, Pagaya raised its full-year 2025 forecast, now expecting network volume of $10.5–$11.5 billion, total revenue of $1.25–$1.325 billion, and Adjusted EBITDA of $345–$370 million—signaling management’s confidence in scalable, profitable growth.
In May 2025, Pagaya rolled out its first POSH securitization program with a AAA-rated $300 million point-of-sale ABS deal. This expanded POS funding capacity by more than $1 billion and demonstrated strong demand for its AI underwriting technology.
Pagaya’s shares are trading at 29 times next-12-month earnings, a sharp increase from 6× three months earlier. Wall Street’s median 12-month price target is $30.50, below the recent close of $31.36, highlighting valuation risk (Reuters ).
Pagaya’s first $300 million BNPL bond for Klarna loans offered a yield premium of 1.75 percentage points over Treasuries—almost double Affirm’s 0.95 point premium—showing investors require higher risk compensation for Pagaya-backed ABS (WSJ).
Insider sentiment is negative, as 77 company insiders sold shares in Q1 2025. This may signal internal concerns, even with recent profitability and growth (Ainvest).
Data summarised monthly by Lightyear AI. Last updated on 1 Sept 2025.
PGY News
AllArticlesVideos
KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2025-6 and Pagaya AI Debt Trust 2025-6
Business Wire2 weeks ago
Pagaya to Participate in Upcoming September Investor Conferences and Events
Business Wire3 weeks ago
Pagaya Reports Second Quarter and First Half 2025 Results
Business Wire1 month ago
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Pagaya Technologies Ltd. stock?
Pagaya Technologies Ltd. (PGY) has a market cap of $3.2B as of September 16, 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 September 16, 2025.
Does Pagaya Technologies Ltd. stock pay dividends?
No, Pagaya Technologies Ltd. (PGY) stock does not pay dividends to its shareholders as of September 16, 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.