Pagaya Technologies Ltd. | Mid-cap | Technology
$33.75
13.37%
| Pagaya Technologies Stock Comparison:
Pagaya Technologies vs MicrosoftPagaya Technologies vs OraclePagaya Technologies vs AmdocsPagaya Technologies vs KlaviyoPagaya Technologies vs Shift4 PaymentsPagaya Technologies vs S&P 500 | Market
TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Mar 2025

Income Metrics

Revenue 282.7M
Gross Profit 115.6M 40.90%
Operating Income 40.4M 14.29%
Net Income 2.5M 0.88%
EPS (Diluted) $0.10

Balance Sheet Metrics

Total Assets 1.3B
Total Liabilities 837.6M
Shareholders Equity 440.8M
Debt to Equity 1.90

Cash Flow Metrics

Operating Cash Flow 14.0M
Free Cash Flow 30.7M

Revenue & Profitability Trend

Pagaya Technologies Income Statement From 2020 to 2024

Metric20242023202220212020
Revenue i1.0B772.8M685.4M445.9M91.7M
Cost of Goods Sold i597.7M508.9M451.1M232.3M49.1M
Gross Profit i406.9M263.9M234.3M213.5M42.7M
Gross Margin % i40.5%34.1%34.2%47.9%46.5%
Operating Expenses
Research & Development i76.6M74.4M150.9M66.2M12.3M
Selling, General & Administrative i291.2M253.1M398.4M181.9M16.3M
Other Operating Expenses i-----
Total Operating Expenses i367.8M327.5M549.3M248.1M28.7M
Operating Income i39.1M-63.6M-315.0M-34.5M14.0M
Operating Margin % i3.9%-8.2%-46.0%-7.7%15.2%
Non-Operating Items
Interest Income i32.3M38.7M57.8M28.9M7.0M
Interest Expense i-----
Other Non-Operating Income-492.6M-156.3M-19.1M-56.0M222.0K
Pre-tax Income i-421.1M-181.2M-276.4M-61.6M21.2M
Income Tax i24.6M15.6M16.4M7.9M1.3M
Effective Tax Rate % i0.0%0.0%0.0%0.0%6.0%
Net Income i-445.7M-196.7M-292.8M-69.5M19.9M
Net Margin % i-44.4%-25.5%-42.7%-15.6%21.7%
Key Metrics
EBITDA i72.5M-45.0M-314.5M-33.6M14.0M
EPS (Basic) i$-5.66$-2.14$-8.28$-2.37$0.09
EPS (Diluted) i$-5.66$-2.14$-8.28$-2.37$0.08
Basic Shares Outstanding i7087980760062918382537375661453956614539
Diluted Shares Outstanding i7087980760062918382537375661453956614539

Income Statement Trend

Pagaya Technologies Balance Sheet From 2020 to 2024

Metric20242023202220212020
Assets
Current Assets
Cash & Equivalents i187.9M186.5M309.8M190.8M5.1M
Short-term Investments i7.8M2.5M1.0M10.2M57.6M
Accounts Receivable i112.2M79.5M59.2M32.3M12.8M
Inventory i-----
Other Current Assets2.2M3.4M1.4M1.6M325.0K
Total Current Assets i351.5M303.4M419.8M246.5M77.0M
Non-Current Assets
Property, Plant & Equipment i0843.0K765.0K566.0K161.0K
Goodwill i58.9M24.4M0--
Intangible Assets i12.8M2.6M---
Long-term Investments-----
Other Non-Current Assets50.6M53.5M43.7M43.7M14.3M
Total Non-Current Assets i939.6M905.0M625.3M343.7M127.3M
Total Assets i1.3B1.2B1.0B590.3M204.3M
Liabilities
Current Liabilities
Accounts Payable i7.0M1.3M1.7M11.6M581.0K
Short-term Debt i133.3M44.6M70.4M--
Current Portion of Long-term Debt-----
Other Current Liabilities29.0M18.2M35.0M1.9M942.0K
Total Current Liabilities i195.5M74.9M128.0M28.7M4.3M
Non-Current Liabilities
Long-term Debt i547.5M368.0M141.9M37.9M-
Deferred Tax Liabilities i-107.0K568.0K0-
Other Non-Current Liabilities-3.2M1.4M27.5M2.5M
Total Non-Current Liabilities i654.0M467.7M151.6M77.2M5.9M
Total Liabilities i849.5M542.6M279.7M105.9M10.1M
Equity
Common Stock i00003.0K
Retained Earnings i-944.0M-542.6M-414.2M-111.9M2.9M
Treasury Stock i-----
Other Equity-----
Total Shareholders Equity i441.5M665.7M765.4M484.4M194.1M
Key Metrics
Total Debt i680.8M412.6M212.3M37.9M0
Working Capital i156.0M228.5M291.8M217.9M72.7M

Balance Sheet Composition

Pagaya Technologies Cash Flow Statement From 2020 to 2024

Metric20242023202220212020
Operating Activities
Net Income i-445.7M-196.7M-292.8M-69.5M19.9M
Depreciation & Amortization i28.8M19.1M6.3M815.0K290.0K
Stock-Based Compensation i61.5M71.1M241.7M67.8M156.0K
Working Capital Changes i-16.7M-16.0M-51.1M-11.5M-21.6M
Operating Cash Flow i-368.0M-122.6M-94.9M-12.5M-1.2M
Investing Activities
Capital Expenditures i-17.7M-20.2M-22.4M-6.6M-1.1M
Acquisitions i-9.2M0-5.3M-14.1M350.0K
Investment Purchases i-693.9M-566.2M-355.6M-202.4M-151.0M
Investment Sales i227.8M172.1M117.9M82.3M29.0M
Investing Cash Flow i-493.1M-412.7M-265.4M-87.3M-171.1M
Financing Activities
Share Repurchases i-----
Dividends Paid i-----
Debt Issuance i818.5M338.5M139.4M37.9M0
Debt Repayment i-524.4M-261.4M-64.8M00
Financing Cash Flow i433.4M229.8M409.2M268.1M119.5M
Free Cash Flow i43.3M-10.6M-62.4M43.2M3.2M
Net Change in Cash i-427.8M-305.5M48.9M168.3M-52.8M

Cash Flow Trend

Pagaya Technologies Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 16.00
Forward P/E 62.48
Price to Book 6.49
Price to Sales 2.08
PEG Ratio -0.13

Profitability Ratios

Profit Margin -24.36%
Operating Margin 17.30%
Return on Equity -50.70%
Return on Assets 7.12%

Financial Health

Current Ratio 1.42
Debt to Equity 140.85
Beta 5.99

Per Share Data

EPS (TTM) $-3.96
Book Value per Share $4.82
Revenue per Share $15.37

Peer Financial Comparison

CompanyMarket CapP/E RatioP/B RatioROEProfit MarginDebt/Equity
pgy2.4B16.006.49-50.70%-24.36%140.85
Microsoft 3.8T39.6711.8633.61%35.79%32.63
Oracle 659.0B54.0632.2082.38%21.68%519.59
Amdocs 9.7B17.612.7515.73%11.94%23.65
Klaviyo 9.6B-179.008.75-6.42%-6.19%9.04
Shift4 Payments 8.0B33.909.8718.28%6.11%186.68

Financial data is updated regularly. All figures are in the company's reporting currency.