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Pagaya Technologies Ltd. (PGY)
NASDAQ:PGY
US Market
PGY
Pagaya Technologies Ltd
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Pagaya Technologies Ltd (PGY) Ratios

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Pagaya Technologies Ltd Ratios

PGY's free cash flow for Q1 2026 was $0.44. For the 2026 fiscal year, PGY's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.63 5.62 1.80 4.05 3.28
Quick Ratio
 1.63 5.62 1.80 4.05 3.28
Cash Ratio
 1.12 3.67 0.96 2.49 2.42
Solvency Ratio
 0.12 0.11 -0.44 -0.20 -1.06
Operating Cash Flow Ratio
 0.73 3.04 0.34 0.13 -0.31
Short-Term Operating Cash Flow Coverage
 0.91 0.00 0.52 0.25 -0.65
Net Current Asset Value
$ -498.77M$ -548.96M$ -498.05M$ -239.22M$ 140.16M
Leverage Ratios
Debt-to-Assets Ratio
 0.58 0.60 0.53 0.34 0.20
Debt-to-Equity Ratio
 1.81 1.92 2.09 0.74 0.38
Debt-to-Capital Ratio
 0.64 0.66 0.68 0.42 0.28
Long-Term Debt-to-Capital Ratio
 0.55 0.65 0.61 0.37 0.14
Financial Leverage Ratio
 3.11 3.22 3.95 2.16 1.89
Debt Service Coverage Ratio
 0.72 0.00 0.34 -1.59 -5.26
Interest Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
 0.80 0.54 0.98 0.36 0.27
Interest Debt Per Share
 10.86 11.78 9.61 6.87 5.55
Net Debt to EBITDA
 3.18 7.77 7.26 -5.08 0.32
Profitability Margins
Gross Profit Margin
41.41%40.61%40.51%34.14%34.19%
EBIT Margin
12.18%4.09%3.90%-8.23%-45.96%
EBITDA Margin
14.00%6.48%6.76%-5.76%-45.04%
Operating Profit Margin
21.78%17.74%6.65%-3.16%-36.69%
Pretax Profit Margin
6.09%4.09%-41.92%-23.44%-40.32%
Net Profit Margin
7.57%6.45%-39.96%-16.62%-44.11%
Continuous Operations Profit Margin
7.18%5.66%-44.37%-25.46%-42.71%
Net Income Per EBT
124.32%157.65%95.32%70.89%109.39%
EBT Per EBIT
27.97%23.07%-630.04%742.49%109.89%
Return on Assets (ROA)
5.96%5.26%-31.09%-10.63%-28.93%
Return on Equity (ROE)
21.65%16.96%-122.95%-22.95%-54.62%
Return on Capital Employed (ROCE)
21.55%15.25%6.10%-2.15%-27.43%
Return on Invested Capital (ROIC)
17.86%15.25%5.44%-2.07%-25.47%
Return on Tangible Assets
6.06%5.37%-31.98%-10.75%-28.93%
Earnings Yield
7.98%4.97%-60.96%-12.92%-53.11%
Efficiency Ratios
Receivables Turnover
 7.60 8.23 7.88 8.84 11.57
Payables Turnover
 200.12 190.58 85.48 395.76 259.39
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 21.47 20.75 13.42 7.94 7.39
Asset Turnover
 0.79 0.82 0.78 0.64 0.66
Working Capital Turnover Ratio
 4.51 4.86 5.23 2.97 2.69
Cash Conversion Cycle
 46.23 42.43 42.02 40.37 30.13
Days of Sales Outstanding
 48.05 44.35 46.29 41.29 31.54
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 1.82 1.92 4.27 0.92 1.41
Operating Cycle
 48.05 44.35 46.29 41.29 31.54
Cash Flow Ratios
Operating Cash Flow Per Share
 2.80 3.05 0.94 0.16 -1.05
Free Cash Flow Per Share
 2.65 2.87 0.61 -0.18 -1.63
CapEx Per Share
 0.15 0.18 0.33 0.34 0.59
Free Cash Flow to Operating Cash Flow
 0.95 0.94 0.65 -1.11 1.56
Dividend Paid and CapEx Coverage Ratio
 18.60 17.16 2.86 0.47 -1.79
Capital Expenditure Coverage Ratio
 18.60 17.16 2.86 0.47 -1.79
Operating Cash Flow Coverage Ratio
 0.26 0.26 0.10 0.02 -0.19
Operating Cash Flow to Sales Ratio
 0.19 0.19 0.07 0.01 -0.06
Free Cash Flow Yield
20.23%13.73%6.57%-1.07%-10.96%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.54 20.12 -1.64 -7.74 -1.88
Price-to-Sales (P/S) Ratio
 0.89 1.30 0.66 1.29 0.83
Price-to-Book (P/B) Ratio
 2.33 3.41 2.02 1.78 1.03
Price-to-Free Cash Flow (P/FCF) Ratio
 4.94 7.29 15.21 -93.66 -9.12
Price-to-Operating Cash Flow Ratio
 4.98 6.86 9.90 103.78 -14.23
Price-to-Earnings Growth (PEG) Ratio
 0.03 -0.17 >-0.01 0.11 -0.02
Price-to-Fair Value
 2.33 3.41 2.02 1.78 1.03
Enterprise Value Multiple
 9.56 27.80 16.96 -27.41 -1.53
Enterprise Value
 1.73B 2.27B 1.15B 1.22B 471.68M
EV to EBITDA
 9.56 27.80 16.96 -27.41 -1.53
EV to Sales
 1.34 1.80 1.15 1.58 0.69
EV to Free Cash Flow
 7.41 10.11 26.60 -114.96 -7.56
EV to Operating Cash Flow
 7.01 9.52 17.31 127.39 -11.79
Tangible Book Value Per Share
 6.46 6.70 5.72 10.87 20.01
Shareholders’ Equity Per Share
 6.00 6.13 4.61 9.33 14.47
Tax and Other Ratios
Effective Tax Rate
 -0.18 -0.38 -0.06 -0.09 -0.06
Revenue Per Share
 14.70 16.10 14.17 12.88 17.92
Net Income Per Share
 1.11 1.04 -5.66 -2.14 -7.90
Tax Burden
 1.24 1.58 0.95 0.71 1.09
Interest Burden
 0.50 1.00 -10.76 2.85 0.88
Research & Development to Revenue
 0.06 0.06 0.08 0.10 0.22
SG&A to Revenue
 0.14 0.17 0.29 0.26 0.43
Stock-Based Compensation to Revenue
 0.02 0.00 0.06 0.09 0.00
Income Quality
 2.50 2.93 -0.15 -0.05 0.13
Currency in USD