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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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2,225 Followers

Pagaya Technologies Ltd Ratios

PGY's free cash flow for Q4 2025 was $0.41. For the 2025 fiscal year, PGY's free cash flow was decreased by $ and operating cash flow was $0.07. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	5.62	5.62	1.80	4.05	3.28
Quick Ratio	5.62	5.62	1.80	4.05	3.28
Cash Ratio	3.67	3.67	0.96	2.49	2.42
Solvency Ratio	0.11	0.11	-0.44	-0.20	-1.06
Operating Cash Flow Ratio	3.04	3.04	0.34	0.13	-0.31
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.52	0.25	-0.65
Net Current Asset Value	$ -548.96M	$ -548.96M	$ -498.05M	$ -239.22M	$ 140.16M
Leverage Ratios
Debt-to-Assets Ratio	0.60	0.60	0.53	0.34	0.20
Debt-to-Equity Ratio	1.92	1.92	2.09	0.74	0.38
Debt-to-Capital Ratio	0.66	0.66	0.68	0.42	0.28
Long-Term Debt-to-Capital Ratio	0.65	0.65	0.61	0.37	0.14
Financial Leverage Ratio	3.22	3.22	3.95	2.16	1.89
Debt Service Coverage Ratio	0.00	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	1.01	0.54	0.98	0.36	0.27
Interest Debt Per Share	11.26	11.78	9.61	6.87	5.55
Net Debt to EBITDA	4.28	7.77	7.26	-5.08	0.32
Profitability Margins
Gross Profit Margin	40.61%	40.61%	40.51%	34.14%	34.19%
EBIT Margin	9.38%	4.09%	3.90%	-8.23%	-45.96%
EBITDA Margin	11.76%	6.48%	6.76%	-5.76%	-45.04%
Operating Profit Margin	19.82%	17.74%	6.65%	-3.16%	-36.69%
Pretax Profit Margin	4.09%	4.09%	-41.92%	-23.44%	-40.32%
Net Profit Margin	6.45%	6.45%	-39.96%	-16.62%	-44.11%
Continuous Operations Profit Margin	5.66%	5.66%	-44.37%	-25.46%	-42.71%
Net Income Per EBT	157.65%	157.65%	95.32%	70.89%	109.39%
EBT Per EBIT	20.65%	23.07%	-630.04%	742.49%	109.89%
Return on Assets (ROA)	5.26%	5.26%	-31.09%	-10.63%	-28.93%
Return on Equity (ROE)	20.09%	16.96%	-122.95%	-22.95%	-54.62%
Return on Capital Employed (ROCE)	17.04%	15.25%	6.10%	-2.15%	-27.43%
Return on Invested Capital (ROIC)	17.04%	15.25%	5.44%	-2.07%	-25.47%
Return on Tangible Assets	5.37%	5.37%	-31.98%	-10.75%	-28.93%
Earnings Yield	9.33%	4.97%	-60.96%	-12.92%	-53.11%
Efficiency Ratios
Receivables Turnover	8.23	8.23	7.88	8.84	11.57
Payables Turnover	190.58	190.58	85.48	395.76	259.39
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	20.75	20.75	13.42	7.94	7.39
Asset Turnover	0.82	0.82	0.78	0.64	0.66
Working Capital Turnover Ratio	3.78	4.86	5.23	2.97	2.69
Cash Conversion Cycle	42.43	42.43	42.02	40.37	30.13
Days of Sales Outstanding	44.35	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	1.92	1.92	4.27	0.92	1.41
Operating Cycle	44.35	44.35	46.29	41.29	31.54
Cash Flow Ratios
Operating Cash Flow Per Share	2.91	3.05	0.94	0.16	-1.05
Free Cash Flow Per Share	2.74	2.87	0.61	-0.18	-1.63
CapEx Per Share	0.17	0.18	0.33	0.34	0.59
Free Cash Flow to Operating Cash Flow	0.94	0.94	0.65	-1.11	1.56
Dividend Paid and CapEx Coverage Ratio	17.16	17.16	2.86	0.47	-1.79
Capital Expenditure Coverage Ratio	17.16	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	25.59%	13.73%	6.57%	-1.07%	-10.96%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.71	20.12	-1.64	-7.74	-1.88
Price-to-Sales (P/S) Ratio	0.70	1.30	0.66	1.29	0.83
Price-to-Book (P/B) Ratio	1.82	3.41	2.02	1.78	1.03
Price-to-Free Cash Flow (P/FCF) Ratio	3.91	7.29	15.21	-93.66	-9.12
Price-to-Operating Cash Flow Ratio	3.65	6.86	9.90	103.78	-14.23
Price-to-Earnings Growth (PEG) Ratio	0.08	-0.17	>-0.01	0.11	-0.02
Price-to-Fair Value	1.82	3.41	2.02	1.78	1.03
Enterprise Value Multiple	10.19	27.80	16.96	-27.41	-1.53
Enterprise Value	1.51B	2.27B	1.15B	1.22B	471.68M
EV to EBITDA	10.19	27.80	16.96	-27.41	-1.53
EV to Sales	1.20	1.80	1.15	1.58	0.69
EV to Free Cash Flow	6.73	10.11	26.60	-114.96	-7.56
EV to Operating Cash Flow	6.34	9.52	17.31	127.39	-11.79
Tangible Book Value Per Share	6.40	6.70	5.72	10.87	20.01
Shareholders’ Equity Per Share	5.86	6.13	4.61	9.33	14.47
Tax and Other Ratios
Effective Tax Rate	-0.38	-0.38	-0.06	-0.09	-0.06
Revenue Per Share	15.39	16.10	14.17	12.88	17.92
Net Income Per Share	0.99	1.04	-5.66	-2.14	-7.90
Tax Burden	1.58	1.58	0.95	0.71	1.09
Interest Burden	0.44	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	0.10	0.00	0.24	0.26	0.43
Stock-Based Compensation to Revenue	0.01	0.00	0.06	0.09	0.00
Income Quality	2.91	2.93	-0.15	-0.05	0.13

Currency in USD