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Pagaya Technologies Ltd.

PGY

$17.40 ▼ -1.71 (-8.95%) at close

18 Visible periods

29 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Pagaya Technologies Ltd. shows strong fundamentals with top-quartile Return on Common Equity (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.5B

Dividend Yield —

Revenue Growth 11.5% ↘

Op. Margin 28.8% ↗

ROIC 17.7% ↘

FCF / Share $0.55 ↘

Trailing P/E 30.0x

Price / Book 2.3x

FCF Yield 3.1%

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$390.49M

↑ +11.5% —

Net Income Profit after all expenses

$49.73M

↑ +120.6% —

Operating Margin Operating profit as % of sales

28.8%

↑ +5.4% 75th

FCF / Share Free cash flow per share

$0.55

↓ -36.1% —

Long-Term Debt Long-term obligations

$317.92M

↑ +38.1% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns

Financial Health

Cash Quality

Financial view

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Annual Quarterly

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📈 Is growth accelerating? 5 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q4 FY2021 Dec 31, 2021 20-F ↗	Q4 FY2020 Dec 31, 2020 20-F ↗
Revenue Growth YoY (%)	11.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+92%)	18.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+210%)	9.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	19.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+231%)	36.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+502%)	30.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+406%)	18.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+204%)	28.1% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+369%)	21.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+258%)	28.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+366%)	31.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+424%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	114.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	165.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	190.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	N/M	-1339.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-158.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-96.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	68.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	120.6% Excellent ↓ Excellent Declining Year-over-year change in net income	171.8% Excellent Excellent Year-over-year change in net income	212.9% Excellent Excellent Year-over-year change in net income	N/M	N/M	N/M	N/M	-1550.2% Weak ↓ Weak Declining Year-over-year change in net income	-210.2% Weak ↓ Weak Declining Year-over-year change in net income	-139.0% Weak Weak Year-over-year change in net income	65.2% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%)	—	—	19.6% Good Good Year-over-year change in free cash flow	—	—	—	70.3% Excellent Excellent Year-over-year change in free cash flow	—	—	—	N/M	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	22.6% Excellent → Excellent Stable Compound annual revenue growth over 3 years	25.5% Excellent Excellent Compound annual revenue growth over 3 years	19.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q4 FY2021 Dec 31, 2021 20-F ↗	Q4 FY2020 Dec 31, 2020 20-F ↗
Operating Margin (%) (%)	28.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	27.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	25.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.8% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.8% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	17.3% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	16.4% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	11.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	8.7% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	2.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-92%)	3.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	4.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	0.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	-5.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-121%)	-13.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-154%)	—	—	—
Effective Tax Rate (%) (%)	2.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-31.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-188.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	5291.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-6.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-21.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-18.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-33.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-18.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-7.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	12.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	11.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	7.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	10.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	6.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	5.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	2.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	-85.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-487%)	-26.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-219%)	-29.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-236%)	-8.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-139%)	-6.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-130%)	-10.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-147%)	-16.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-173%)	-32.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-248%)	—	—	—
FCF Margin (%) (%)	11.7% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	18.4% Good → Good Stable Free cash flow as a percentage of revenue Optimal: > 10%	12.6% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	22.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	10.6% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	8.5% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—	—	6.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-7.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	5.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-3.5% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-15.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—
FCF / Net Income (x)	0.92x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.57x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.62x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.24x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	3.88x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-0.10x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-0.72x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.17x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	-0.51x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.22x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.48x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q4 FY2021 Dec 31, 2021 20-F ↗	Q4 FY2020 Dec 31, 2020 20-F ↗
Return on Invested Capital (%)	17.7% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	18.3% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	13.4% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	21.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	52.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	11.8% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	-378.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	10.4% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	2.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.8% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	1.1% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—	—	—	—	—
Return on Capital (%) (%)	6.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	6.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.9% Caution → Caution Stable Operating profit relative to total assets Optimal: > 10%	5.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.5% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.0% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	7.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	7.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	5.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	4.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	-72.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-707%)	-14.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-222%)	-14.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-218%)	-3.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-128%)	—	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q4 FY2021 Dec 31, 2021 20-F ↗	Q4 FY2020 Dec 31, 2020 20-F ↗
Debt to Equity (x)	—	—	—	—	—	—	0.95x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-21%)	—	0.50x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-59%)	0.44x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.37x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	—	—	—	—	—	—	—
Net Debt (USD)	$-247.12M	$-249.26M	$-317.81M	$-235.33M	$-218.31M	$-182.99M	$131.12M	$-187.92M	$83.08M	$-1.00M	$-39.45M	$-186.48M	$-252.58M	$-304.05M	$-289.39M	$-309.79M	$-190.78M	$-5.07M
Debt / EBITDA (x)	—	—	—	—	—	—	5.74x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	10.28x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	46.27x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	16.78x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q4 FY2021 Dec 31, 2021 20-F ↗	Q4 FY2020 Dec 31, 2020 20-F ↗
Revenue per Share (USD)	$4.67	$4.65	$3.84	—	$4.46	$4.25	$3.83	—	$3.54	$3.49	$3.80	—	$3.49	$3.28	$3.15	—	—	—
Basic EPS, GAAP (USD)	$0.58	$0.53	$0.29	$0.42	$0.27	$0.20	$0.10	$-3.31	$-0.93	$-1.04	$-0.33	$-0.23	$-0.36	$-0.53	$-1.03	—	—	—
Free Cash Flow per Share (USD)	$0.55	$0.86	$0.48	—	—	—	$0.40	—	—	—	$0.24	—	$0.18	$-0.11	$-0.49	—	—	—
Book Value per Share (USD)	$7.44	$7.14	$6.40	—	$5.58	$4.77	$4.43	—	$6.36	$7.33	$9.72	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$7.08	$6.81	$6.05	—	$5.17	$4.34	$3.97	—	$6.20	$7.16	$9.52	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	83.67M	83.18M	82.72M	—	78.54M	76.87M	75.77M	—	72.73M	71.77M	64.50M	—	60.71M	59.61M	59.26M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q4 FY2021 Dec 31, 2021 20-F ↗	Q4 FY2020 Dec 31, 2020 20-F ↗
Working Capital (USD)	—	—	—	—	—	$108.00M	$156.87M	—	$44.01M	$119.94M	$229.71M	—	—	—	—	$291.80M	$217.86M	—
LT Debt (USD)	—	—	—	—	—	—	$317.92M	—	$230.17M	$232.59M	$235.05M	—	—	—	—	—	—	—
Total Equity (USD)	$622.38M	$594.15M	$529.31M	$480.02M	$438.30M	$366.75M	$335.49M	$326.49M	$462.31M	$525.98M	$626.83M	—	—	—	—	$553.52M	$1.29M	—

📋 What is driving earnings? 4 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q4 FY2021 Dec 31, 2021 20-F ↗	Q4 FY2020 Dec 31, 2020 20-F ↗
Sales/Revenue/Turnover (USD)	$390.49M	$387.04M	$317.94M	$334.81M	$350.17M	$326.40M	$289.99M	$279.39M	$257.23M	$250.34M	$245.28M	$218.04M	$211.76M	$195.61M	$186.64M	—	—	—
Depreciation Expense (USD)	$4.26M	$3.92M	$3.86M	$7.13M	—	—	$7.72M	$8.28M	—	—	$6.32M	$5.97M	$5.18M	$4.47M	$3.52M	—	—	—
Net Income, GAAP (USD)	$49.73M	$45.27M	$24.69M	$34.30M	$22.55M	$16.66M	$7.89M	$-237.92M	$-67.48M	$-74.78M	$-21.22M	$-14.42M	$-21.75M	$-31.30M	$-60.97M	—	—	—
Operating Cash Flow (USD)	$49.05M	$74.70M	$43.18M	$79.80M	—	—	$34.43M	$27.85M	—	—	$20.47M	$-12.29M	$16.14M	$-1.84M	$-23.67M	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 6 years · 18 quarters

Pagaya Technologies Ltd.

Analytical Summary

18-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare PGY with peers