Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Financials
$21.04
$-0.45
(-2.09%)
As on 15-Sep-2026 16:13EDT
Market cap
$1,666 Mln
Revenue (TTM)
$1,326 Mln
P/E Ratio
14.4
P/B Ratio
2.9
Div. Yield
0 %
Income Statement ($ Mln) |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Operating Revenue
|
1,325.55
|
1,261.34
|
1,004.55
|
772.81
|
685.41
|
445.87
|
|
|
|
|
|
|
Cost of Revenue
|
786.90
|
749.17
|
597.65
|
508.94
|
451.08
|
232.32
|
|
|
|
|
|
|
Gross Profit
|
538.66
|
512.17
|
406.90
|
263.87
|
234.33
|
213.54
|
|
|
|
|
|
|
Operating Expenses
|
257.59
|
288.36
|
340.06
|
288.27
|
549.35
|
219.35
|
|
|
|
|
|
|
Operating Profit (EBIT)
|
281.07
|
223.81
|
66.84
|
-24.40
|
-315.02
|
-5.81
|
|
|
|
|
|
|
Other Income
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Profit before Tax
|
98.69
|
51.63
|
-421.12
|
-181.17
|
-276.37
|
-61.65
|
|
|
|
|
|
|
Provision for Tax
|
-20.12
|
-19.75
|
24.58
|
15.57
|
16.40
|
7.88
|
|
|
|
|
|
|
Profit after Tax (Net Income)
|
126.81
|
81.39
|
-401.41
|
-128.44
|
-302.32
|
-91.15
|
|
|
|
|
|
|
Minority Interest
|
8.00
|
10.02
|
44.29
|
80.89
|
-9.55
|
-21.63
|
|
|
|
|
|
|
Consolidated Profit
|
--
|
--
|
--
|
--
|
-314.53
|
-134.32
|
|
|
|
|
|
Liabilities ($ Mln) |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
594.15
|
480.02
|
326.49
|
559.72
|
553.52
|
308.34
|
|
|
|
|
|
|
Minority Interest
|
8.00
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Non-Current Liabilities
|
905.81
|
859.10
|
654.03
|
467.70
|
151.64
|
77.19
|
|
|
|
|
|
|
Current Liabilities
|
138.52
|
131.47
|
195.49
|
74.93
|
128.02
|
28.67
|
|
|
|
|
|
|
Total Liabilities
|
1,831.62
|
1,545.91
|
1,291.07
|
1,208.38
|
1,045.08
|
590.26
|
|
|
|
|
|
Assets ($ Mln) |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Non-Current Assets
|
98.99
|
91.36
|
939.59
|
904.97
|
625.26
|
343.72
|
|
|
|
|
|
|
Current Assets
|
1,594.12
|
1,454.55
|
351.48
|
303.40
|
419.82
|
246.54
|
|
|
|
|
|
|
Total Assets
|
1,831.62
|
1,545.91
|
1,291.07
|
1,208.38
|
1,045.08
|
590.26
|
|
|
|
|
|
|
Total Debt*
|
907.34
|
858.48
|
680.81
|
412.58
|
212.26
|
37.91
|
|
|
|
|
|
|
Net Current Assets
|
1,455.60
|
1,323.09
|
155.99
|
228.48
|
291.80
|
217.86
|
|
|
|
|
|
Cashflow ($ Mln) |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
238.62
|
66.52
|
9.58
|
-40.00
|
49.81
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-309.71
|
-498.65
|
-412.69
|
-159.95
|
-140.74
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
129.60
|
436.69
|
289.10
|
332.45
|
289.62
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
Financials Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS ($)
|
1.30
|
0.80
|
-5.40
|
-2.03
|
-5.27
|
-5.53
|
|
|
|
|
|
|
Cash EPS ($)
|
--
|
1.09
|
-5.01
|
-1.79
|
-5.16
|
-5.48
|
|
|
|
|
|
|
Adjusted Book Value ($)
|
--
|
4.71
|
4.39
|
8.87
|
9.65
|
18.71
|
|
|
|
|
|
|
Dividend per Share ($)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Cash Flow per Share ($)
|
--
|
2.34
|
0.89
|
0.15
|
-0.70
|
3.02
|
|
|
|
|
|
|
Free Cash Flow per Share ($)
|
--
|
2.20
|
0.58
|
-0.17
|
-1.09
|
2.62
|
|
|
|
|
|
Profitability Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
ROCE (%)
|
--
|
6.94
|
-40.55
|
-14.78
|
-54.37
|
-39.81
|
|
|
|
|
|
|
ROE (%)
|
25.10
|
20.18
|
-90.59
|
-23.07
|
-70.16
|
-43.66
|
|
|
|
|
|
|
ROA (%)
|
7.28
|
5.74
|
-32.12
|
-11.40
|
-36.97
|
-22.94
|
|
|
|
|
|
|
EBIT Margin (%)
|
7.45
|
4.09
|
3.90
|
-8.23
|
-45.96
|
-7.74
|
|
|
|
|
|
|
Net Margin (%)
|
9.57
|
6.45
|
-39.96
|
-16.62
|
-44.11
|
-20.44
|
|
|
|
|
|
|
Cash Profit Margin (%)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
Growth Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
17.79
|
0.26
|
0.30
|
0.13
|
0.54
|
3.86
|
|
|
|
|
|
|
EBIT Growth (%)
|
54.34
|
31.89
|
161.51
|
79.80
|
-812.28
|
-346.95
|
|
|
|
|
|
|
Net Profit Growth (%)
|
154.05
|
120.28
|
-212.53
|
57.52
|
-231.67
|
-729.93
|
|
|
|
|
|
|
EPS Growth (%)
|
134.19
|
1.15
|
-1.65
|
0.61
|
0.05
|
-8.03
|
|
|
|
|
|
|
Book Value Growth (%)
|
32.72
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
Valuation Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
14.37
|
26.17
|
-1.72
|
-0.68
|
-0.24
|
--
|
|
|
|
|
|
|
Price / Book Value
|
2.85
|
4.44
|
2.12
|
0.16
|
0.13
|
--
|
|
|
|
|
|
|
Dividend Yield (%)
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
4.32
|
21.97
|
17.32
|
-6.98
|
0.09
|
--
|
|
|
|
|
|
|
Close Price ($)
|
18.25
|
20.90
|
9.29
|
16.56
|
14.88
|
--
|
|
|
|
|
|
|
High Price ($)
|
44.99
|
44.99
|
20.00
|
33.96
|
414.00
|
--
|
|
|
|
|
|
|
Low Price ($)
|
10.40
|
8.27
|
8.20
|
9.36
|
6.84
|
--
|
|
|
|
|
|
|
Market Cap ($ Cr)
|
1,666.01
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
Solvency Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debt to Equity
|
1.47
|
1.79
|
2.09
|
0.74
|
0.38
|
0.12
|
|
|
|
|
|
|
Short term debt to equity ratio
|
0.05
|
0.07
|
0.41
|
0.08
|
0.13
|
--
|
|
|
|
|
|
|
Current Ratio
|
11.51
|
11.06
|
1.80
|
4.05
|
3.28
|
8.60
|
|
|
|
|
|
|
Quick Ratio
|
11.51
|
--
|
--
|
4.05
|
3.10
|
8.24
|
|
|
|
|
|
|
Interest Coverage
|
--
|
--
|
--
|
--
|
-5.45
|
-0.71
|
|
|
|
|
|
Operating Efficiency Ratios |
TTM | Dec-25 | Dec-24 | Dec-23 | Dec-22 | Dec-21 | Dec-20 | Dec-19 | Dec-18 | Dec-17 | Dec-16 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debtors to sales (%)
|
14.37
|
15.52
|
12.68
|
11.31
|
8.64
|
7.56
|
|
|
|
|
|
|
Asset Turnover
|
0.76
|
0.89
|
0.80
|
0.69
|
0.84
|
1.12
|
|
|
|
|
|
|
Receivable days
|
--
|
46.80
|
39.05
|
34.65
|
24.76
|
19.05
|
|
|
|
|
|
|
Inventory Days
|
--
|
--
|
0.00
|
8.09
|
13.31
|
8.45
|
|
|
|
|
|
|
Payable days
|
--
|
2.66
|
2.53
|
1.09
|
5.39
|
9.56
|
|
|
|
|
|
|
Cash Conversion Cycle
|
--
|
--
|
36.53
|
41.66
|
32.68
|
17.95
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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