← Pagaya Technologies Ltd. PGY
Market Price
$21.56
Market Cap
$1.78B
P/E Ratio
23.18
Revenue (FY 2025)
↑25.6% YoY
$1.26B
3-Yr CAGR: 19.0%
Net Income
↑120.3% YoY
$81.39M
Net Margin: 6.5%
Free Cash Flow
↑360.6% YoY
$224.72M
FCF Yield: 12.64%
EPS (Diluted)
↑116.4% YoY
$0.93
Basic: $0.99
Return on Equity
Efficiency
17.0%
ROA: 5.3%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (PGY)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2020 | $99.0M | — | $21.3M | $14.5M | — | $0.02 | — | $4.3M | — | — |
| FY 2021 | $474.6M | +379.3% | $213.5M | $-91.2M | -729.9% | $-0.69 | -3,550.0% | $49.8M | $43.2M | — |
| FY 2022 | $748.9M | +57.8% | $234.3M | $-302.3M | -231.7% | $-0.69 | 0.0% | $-40.0M | $-62.4M | -244.5% |
| FY 2023 | $812.1M | +8.4% | $263.9M | $-128.4M | +57.5% | $-2.14 | -210.1% | $9.6M | $-10.6M | +83.0% |
| FY 2024 | $1,004.5M | +23.7% | $406.9M | $-401.4M | -212.5% | $-5.66 | -164.5% | $66.5M | $48.8M | +559.7% |
| FY 2025 | $1,261.3M | +25.6% | $512.2M | $81.4M | +120.3% | $0.93 | +116.4% | $238.6M | $224.7M | +360.6% |
Valuation
Market Price
$21.56
Market Cap
$1.78B
Enterprise Value
$2.40B
P/E Ratio
23.18
P/B Ratio
3.72
FCF Yield
12.64%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
40.61%
Operating Margin
20.92%
Net Margin
6.45%
Return on Equity (ROE)
16.96%
Return on Assets (ROA)
5.26%
Asset Turnover
0.82x
Revenue 3-Yr CAGR
18.98%
Financial Health & Liquidity
Current Ratio
0.20
Cash Ratio
9.91
Debt / Equity
1.788
Debt / Assets
0.555
Cash & Equivalents
$235.33M
Total Debt
$858.48M
Book Value / Share
$5.79
Cash Flow Efficiency
Operating Cash Flow
$238.62M
Capital Expenditures (CapEx)
$13.90M
Free Cash Flow
$224.72M
OCF / Revenue
18.92%
FCF / Revenue
17.82%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
$0.93
EPS (Basic)
$0.99
Dividends / Share
N/A
Book Value / Share
$5.79
EPS YoY Growth
116.43%
Balance Sheet (FY 2025)
Total Assets
$1.55B
Total Liabilities
$990.56M
Stockholders' Equity
$480.02M
Current Assets
$4.68M
Current Liabilities
$23.75M