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STOCKS

Pagaya Technologies Ltd. (PGY)

NASDAQ:PGY

PGY

Pagaya Technologies Ltd

RESEARCH TOOLSreports

Pagaya Technologies Ltd (PGY) Ratios

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2,149 Followers

Pagaya Technologies Ltd Ratios

PGY's free cash flow for Q3 2025 was $0.41. For the 2025 fiscal year, PGY's free cash flow was decreased by $ and operating cash flow was $0.02. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	5.11	1.80	4.05	3.28	8.60
Quick Ratio	5.11	1.80	4.05	3.28	8.60
Cash Ratio	2.66	0.96	2.49	2.42	6.65
Solvency Ratio	-0.18	-0.44	-0.20	-1.06	-0.85
Operating Cash Flow Ratio	2.33	0.34	0.13	-0.31	1.74
Short-Term Operating Cash Flow Coverage	0.00	0.52	0.25	-0.65	0.00
Net Current Asset Value	$ -469.70M	$ -498.05M	$ -239.22M	$ 140.16M	$ 140.68M
Leverage Ratios
Debt-to-Assets Ratio	0.55	0.53	0.34	0.20	0.06
Debt-to-Equity Ratio	1.71	2.09	0.74	0.38	0.12
Debt-to-Capital Ratio	0.63	0.68	0.42	0.28	0.11
Long-Term Debt-to-Capital Ratio	0.62	0.61	0.37	0.14	0.11
Financial Leverage Ratio	3.11	3.95	2.16	1.89	1.91
Debt Service Coverage Ratio	0.00	0.34	-1.59	-5.26	0.00
Interest Coverage Ratio	0.00	0.00	0.00	0.00	0.00
Debt to Market Cap	0.57	0.98	0.36	0.27	0.02
Interest Debt Per Share	10.22	9.61	6.87	5.55	2.33
Net Debt to EBITDA	3.76	7.26	-5.08	0.32	4.53
Profitability Margins
Gross Profit Margin	41.01%	40.51%	34.14%	34.19%	47.89%
EBIT Margin	10.22%	3.90%	-8.23%	-45.96%	-7.74%
EBITDA Margin	12.79%	6.76%	-5.76%	-45.04%	-7.56%
Operating Profit Margin	17.75%	6.65%	-3.16%	-36.69%	-1.30%
Pretax Profit Margin	-17.35%	-41.92%	-23.44%	-40.32%	-13.83%
Net Profit Margin	-15.69%	-39.96%	-16.62%	-44.11%	-20.44%
Continuous Operations Profit Margin	-17.66%	-44.37%	-25.46%	-42.71%	-15.59%
Net Income Per EBT	90.45%	95.32%	70.89%	109.39%	147.86%
EBT Per EBIT	-97.75%	-630.04%	742.49%	109.89%	1061.25%
Return on Assets (ROA)	-13.11%	-31.09%	-10.63%	-28.93%	-15.44%
Return on Equity (ROE)	-50.99%	-122.95%	-22.95%	-54.62%	-29.56%
Return on Capital Employed (ROCE)	15.72%	6.10%	-2.15%	-27.43%	-1.03%
Return on Invested Capital (ROIC)	15.69%	5.44%	-2.07%	-25.47%	-1.03%
Return on Tangible Assets	-13.41%	-31.98%	-10.75%	-28.93%	-15.44%
Earnings Yield	-14.59%	-60.96%	-12.92%	-53.11%	-4.70%
Efficiency Ratios
Receivables Turnover	7.85	7.88	8.84	11.57	13.23
Payables Turnover	141.65	85.48	395.76	259.39	20.06
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	18.83	13.42	7.94	7.39	58.30
Asset Turnover	0.84	0.78	0.64	0.66	0.76
Working Capital Turnover Ratio	5.46	5.23	2.97	2.69	3.07
Cash Conversion Cycle	43.94	42.02	40.37	30.13	9.39
Days of Sales Outstanding	46.52	46.29	41.29	31.54	27.59
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	2.58	4.27	0.92	1.41	18.19
Operating Cycle	46.52	46.29	41.29	31.54	27.59
Cash Flow Ratios
Operating Cash Flow Per Share	2.43	0.94	0.16	-1.05	3.06
Free Cash Flow Per Share	2.17	0.61	-0.18	-1.63	2.65
CapEx Per Share	0.26	0.33	0.34	0.59	0.41
Free Cash Flow to Operating Cash Flow	0.89	0.65	-1.11	1.56	0.87
Dividend Paid and CapEx Coverage Ratio	9.41	2.86	0.47	-1.79	7.52
Capital Expenditure Coverage Ratio	9.41	2.86	0.47	-1.79	7.52
Operating Cash Flow Coverage Ratio	0.24	0.10	0.02	-0.19	1.31
Operating Cash Flow to Sales Ratio	0.16	0.07	0.01	-0.06	0.11
Free Cash Flow Yield	12.74%	6.57%	-1.07%	-10.96%	2.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-6.85	-1.64	-7.74	-1.88	-21.28
Price-to-Sales (P/S) Ratio	1.10	0.66	1.29	0.83	4.35
Price-to-Book (P/B) Ratio	2.79	2.02	1.78	1.03	6.29
Price-to-Free Cash Flow (P/FCF) Ratio	7.85	15.21	-93.66	-9.12	44.91
Price-to-Operating Cash Flow Ratio	6.85	9.90	103.78	-14.23	38.94
Price-to-Earnings Growth (PEG) Ratio	-0.22	>-0.01	0.11	-0.02	0.04
Price-to-Fair Value	2.79	2.02	1.78	1.03	6.29
Enterprise Value Multiple	12.37	16.96	-27.41	-1.53	-52.99
Enterprise Value	1.92B	1.15B	1.22B	471.68M	1.79B
EV to EBITDA	12.37	16.96	-27.41	-1.53	-52.99
EV to Sales	1.58	1.15	1.58	0.69	4.01
EV to Free Cash Flow	11.27	26.60	-114.96	-7.56	41.37
EV to Operating Cash Flow	10.07	17.31	127.39	-11.79	35.87
Tangible Book Value Per Share	6.80	5.72	10.87	20.01	29.76
Shareholders’ Equity Per Share	5.96	4.61	9.33	14.47	18.94
Tax and Other Ratios
Effective Tax Rate	-0.02	-0.06	-0.09	-0.06	-0.13
Revenue Per Share	15.48	14.17	12.88	17.92	27.39
Net Income Per Share	-2.43	-5.66	-2.14	-7.90	-5.60
Tax Burden	0.90	0.95	0.71	1.09	1.48
Interest Burden	-1.70	-10.76	2.85	0.88	1.79
Research & Development to Revenue	0.06	0.08	0.10	0.22	0.15
SG&A to Revenue	0.15	0.24	0.26	0.43	0.30
Stock-Based Compensation to Revenue	0.02	0.06	0.09	0.00	0.15
Income Quality	-0.91	-0.15	-0.05	0.13	-0.72

Currency in USD