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

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Pagaya Technologies Ltd Ratios

PGY's free cash flow for Q1 2025 was $0.41. For the 2025 fiscal year, PGY's free cash flow was decreased by $ and operating cash flow was $0.14. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
1.79 4.05 3.28 8.60 18.04
Quick Ratio
1.79 4.05 3.10 8.24 17.94
Cash Ratio
0.94 2.49 2.42 6.65 1.19
Solvency Ratio
-0.41 -0.20 -1.02 -0.17 0.17
Operating Cash Flow Ratio
0.42 0.13 -0.31 1.74 1.00
Short-Term Operating Cash Flow Coverage
0.61 0.25 -0.65 0.00 0.00
Net Current Asset Value
$ -482.00M$ -249.61M$ 140.16M$ -166.37M$ -39.16M
Leverage Ratios
Debt-to-Assets Ratio
0.53 0.34 0.20 0.06 0.01
Debt-to-Equity Ratio
2.02 0.74 0.38 29.34 0.77
Debt-to-Capital Ratio
0.67 0.42 0.28 0.97 0.44
Long-Term Debt-to-Capital Ratio
0.60 0.37 0.14 0.97 0.00
Financial Leverage Ratio
3.81 2.16 1.89 456.86 63.84
Debt Service Coverage Ratio
0.69 -1.06 -2.40 0.00 0.00
Interest Coverage Ratio
0.00 0.00 -5.45 0.00 0.00
Debt to Market Cap
0.36 0.36 0.27 0.02 0.00
Interest Debt Per Share
8.96 6.87 7.06 2.33 0.13
Net Debt to EBITDA
4.46 -9.27 0.36 4.53 -0.19
Profitability Margins
Gross Profit Margin
40.98%34.14%34.19%47.89%46.50%
EBIT Margin
8.37%-8.23%-40.32%-7.74%15.24%
EBITDA Margin
10.50%-3.16%-39.40%-7.56%15.26%
Operating Profit Margin
10.17%-3.16%-45.96%-7.74%14.94%
Pretax Profit Margin
-37.56%-23.44%-40.32%-13.83%23.11%
Net Profit Margin
-35.45%-16.62%-42.71%-15.59%21.72%
Continuous Operations Profit Margin
-39.19%-25.46%-42.71%-15.59%21.72%
Net Income Per EBT
94.37%70.89%105.93%112.77%93.98%
EBT Per EBIT
-369.27%742.49%87.73%178.53%154.66%
Return on Assets (ROA)
-29.12%-10.63%-28.01%-11.78%9.75%
Return on Equity (ROE)
-90.24%-22.95%-52.89%-5381.04%622.56%
Return on Capital Employed (ROCE)
9.90%-2.15%-34.35%-6.15%6.85%
Return on Invested Capital (ROIC)
9.12%-2.25%-33.80%-6.93%6.44%
Return on Tangible Assets
-29.93%-10.75%-28.01%-12.44%10.36%
Earnings Yield
-20.92%-12.92%-51.43%-3.58%0.90%
Efficiency Ratios
Receivables Turnover
8.52 9.72 11.57 13.23 6.74
Payables Turnover
61.95 395.76 259.39 20.06 84.48
Inventory Turnover
0.00 0.00 20.01 22.46 119.72
Fixed Asset Turnover
14.69 7.94 7.39 58.30 59.80
Asset Turnover
0.82 0.64 0.66 0.76 0.45
Working Capital Turnover Ratio
6.71 2.97 2.69 3.07 2.00
Cash Conversion Cycle
36.93 36.64 48.37 25.65 52.85
Days of Sales Outstanding
42.82 37.56 31.54 27.59 54.12
Days of Inventory Outstanding
0.00 0.00 18.24 16.25 3.05
Days of Payables Outstanding
5.89 0.92 1.41 18.19 4.32
Operating Cycle
42.82 37.56 49.77 43.84 57.17
Cash Flow Ratios
Operating Cash Flow Per Share
1.10 0.16 -1.05 3.06 0.23
Free Cash Flow Per Share
0.88 -0.18 -1.63 2.65 0.17
CapEx Per Share
0.22 0.34 0.59 0.41 0.06
Free Cash Flow to Operating Cash Flow
0.80 -1.11 1.56 0.87 0.74
Dividend Paid and CapEx Coverage Ratio
5.09 0.47 -1.79 7.52 3.88
Capital Expenditure Coverage Ratio
5.09 0.47 -1.79 7.52 3.88
Operating Cash Flow Coverage Ratio
0.12 0.02 -0.19 1.31 1.72
Operating Cash Flow to Sales Ratio
0.08 0.01 -0.06 0.11 0.05
Free Cash Flow Yield
3.76%-1.07%-10.96%2.23%0.14%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
-4.80 -7.74 -1.94 -27.90 110.72
Price-to-Sales (P/S) Ratio
1.70 1.29 0.83 4.35 24.04
Price-to-Book (P/B) Ratio
5.32 1.78 1.03 1.50K 689.27
Price-to-Free Cash Flow (P/FCF) Ratio
26.69 -93.66 -9.12 44.91 698.00
Price-to-Operating Cash Flow Ratio
21.45 103.78 -14.23 38.94 518.13
Price-to-Earnings Growth (PEG) Ratio
-0.63 0.11 -0.02 0.06 -0.37
Price-to-Fair Value
5.32 1.78 1.03 1.50K 689.27
Enterprise Value Multiple
20.64 -50.00 -1.75 -52.99 157.41
Enterprise Value
2.27B 1.22B 471.68M 1.79B 2.20B
EV to EBITDA
20.59 -50.00 -1.75 -52.99 157.41
EV to Sales
2.16 1.58 0.69 4.01 24.01
EV to Free Cash Flow
33.95 -114.96 -7.56 41.37 697.17
EV to Operating Cash Flow
27.27 127.39 -11.79 35.87 517.52
Tangible Book Value Per Share
5.36 10.69 20.01 10.90 4.80
Shareholders’ Equity Per Share
4.43 9.33 14.47 0.08 0.17
Tax and Other Ratios
Effective Tax Rate
-0.04 -0.09 -0.06 -0.13 0.06
Revenue Per Share
13.86 12.88 17.92 27.39 4.99
Net Income Per Share
-4.91 -2.14 -7.65 -4.27 1.08
Tax Burden
0.94 0.71 1.06 1.13 0.94
Interest Burden
-4.49 2.85 1.00 1.79 1.52
Research & Development to Revenue
0.07 0.10 0.22 0.15 0.13
SG&A to Revenue
0.21 0.26 0.43 0.30 0.12
Stock-Based Compensation to Revenue
0.06 0.09 0.35 0.15 <0.01
Income Quality
-0.20 -0.07 0.14 -0.72 0.21
Currency in USD
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