Pagaya Technologies Ltd.
PGY
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Pagaya Technologies operates in the software infrastructure sector, which is experiencing significant growth due to increasing demand for data-driven financial solutions.
- In Q2 2026, Pagaya reported a revenue increase of 22% compared to the prior quarter, reaching $366 million.
- The company's operating margin expanded to 23.1% in the same quarter, indicating improved efficiency.
- Despite growth, Pagaya has a strong sell signal with a score of -16.00, indicating potential underlying issues.
- The company reported a net income loss of $128.438 million in 2023, reflecting challenges in profitability.
- Pagaya's debt-to-equity ratio stands at 133.652, suggesting high leverage that could pose risks in a volatile market.
Fundamentals
| Market cap | $1.52B | Enterprise value | $1.23B | Trailing P/E | 13.23 | Forward P/E | 4.45 |
| PEG | 0.03 | Price / book | 2.56 | Beta | 5.52 | Dividend yield | 0.00% |
| Revenue growth | 18.6% | Earnings growth | 143.3% | Gross margin | 43.4% | Operating margin | 27.3% |
| Profit margin | 9.1% | ROE | 19.5% | ROA | 14.0% | Debt / equity | 1.34 |
| Current ratio | 14.58 | Free cash flow | $207.18M | Analyst recommendation | strong_buy | Mean target | $28.82 |
| 52w high | $31.54 | 52w low | $10.40 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $366M | $299M | $321M | $340M | $318M |
| Op margin | 23.1% | 20.4% | 20.5% | 20.5% | 15.0% |
| Net income | $45.3M | $24.7M | $34.3M | $22.5M | $16.7M |
| Gross margin | 40.2% | 40.6% | 40.8% | 41.0% | 39.7% |
| Gross profit | $147M | $121M | $131M | $139M | $126M |
| Operating income | $84.4M | $61.1M | $65.9M | $69.7M | $47.8M |
- Revenue +22% vs prior quarter ($366M vs $299M).
- Gross margin 40.2% (was 40.6% prior quarter).
- Operating margin expanded to 23.1%.
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $1.3B | $1.0B | $773M | $685M | — |
| Op margin | 17.7% | 3.9% | -8.2% | -46.0% | — |
| Net income | $81.4M | -$401M | -$128M | -$302M | — |
| Gross margin | 40.6% | 40.5% | 34.1% | 34.2% | — |
| Gross profit | $512M | $407M | $264M | $234M | — |
| Operating income | $224M | $39.1M | -$63.6M | -$315M | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-08 · Will PGY's Expanding Funding Base Reduce Its Reliance on ABS Markets?
2026-10-06 · Pagaya Announces Timing of Third Quarter 2026 Earnings Release
2026-10-06 · Does Pagaya Technologies’ (PGY) New Funding Facility Subtly Redefine Its Capital-Light Growth Narrative?
2026-10-05 · Why Pagaya Technologies Ltd. (PGY) Outpaced the Stock Market Today
2026-10-05 · 3 Small-Cap Stocks With Catalysts That Could Put Them in the Spotlight
2026-10-05 · Pagaya Issues AAA-Rated $600 Million Personal Loan ABS Transaction
2026-10-05 · Why Pagaya Stock Dropped 20% in September
2026-09-30 · Pagaya Trades at a Discount: Is the Stock Worth Investing In?
2026-09-25 · Pagaya Technologies Ltd. (PGY) Stock Dips While Market Gains: Key Facts
2026-09-23 · Value Investing Legend Seth Klarman’s New Non-AI Picks
2026-09-22 · Pagaya Technologies Closes $460 Million Revolving Loan Facility
Price (daily)
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