Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
---|---|---|---|---|---|
Income Statement | |||||
Total Revenue | 1.00B | 772.81M | 685.41M | 445.87M | 91.74M |
Gross Profit | 406.90M | 263.87M | 234.33M | 213.54M | 42.66M |
EBITDA | 67.89M | -24.40M | -270.08M | -33.72M | 14.00M |
Net Income | -401.41M | -128.44M | -292.77M | -69.52M | 19.92M |
Balance Sheet | |||||
Total Assets | 1.29B | 1.21B | 1.05B | 590.26M | 204.27M |
Cash, Cash Equivalents and Short-Term Investments | 195.72M | 188.97M | 310.80M | 200.94M | 62.63M |
Total Debt | 680.81M | 412.58M | 212.26M | 37.91M | 2.47M |
Total Liabilities | 849.53M | 553.01M | 279.66M | 412.91M | 116.13M |
Stockholders Equity | 326.49M | 559.72M | 553.52M | 1.29M | 3.20M |
Cash Flow | |||||
Free Cash Flow | 48.78M | -10.61M | -62.41M | 43.19M | 3.16M |
Operating Cash Flow | 66.52M | 9.58M | -40.00M | 49.81M | 4.26M |
Investing Cash Flow | -498.64M | -412.69M | -265.42M | -140.74M | -122.76M |
Financing Cash Flow | 436.69M | 289.10M | 437.92M | 289.62M | 119.50M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
---|---|---|---|---|---|---|---|
74 Outperform | $1.34B | 28.63 | 5.32% | ― | -2.09% | 76.96% | |
73 Outperform | $946.68M | 6.12 | 0.63% | ― | -35.88% | 4611.09% | |
71 Outperform | $1.04B | ― | -15.69% | ― | 8.38% | -278.88% | |
70 Outperform | $2.55B | ― | -77.37% | ― | 25.84% | -248.65% | |
68 Neutral | $1.33B | ― | -55.90% | ― | 12.76% | 16.97% | |
63 Neutral | £505.90M | 23.87 | -8.45% | 173.32% | 4.53% | -18.72% | |
52 Neutral | $665.59M | ― | -4.06% | ― | ― | ― |
On July 23, 2025, Pagaya Technologies Ltd. announced that its subsidiary, Pagaya US Holdings Company LLC, has priced a $500 million offering of 8.875% senior unsecured notes due in 2030. The offering size was increased from $450 million due to strong demand and is set to settle on July 28, 2025. The proceeds will be used to repay existing credit facilities and secured borrowings, with the remainder for general corporate purposes. The notes will accrue interest semi-annually and are guaranteed by Pagaya and its subsidiaries, excluding Pagaya US.
The most recent analyst rating on (PGY) stock is a Buy with a $14.50 price target. To see the full list of analyst forecasts on Pagaya Technologies Ltd stock, see the PGY Stock Forecast page.
On July 22, 2025, Pagaya Technologies Ltd. announced that its subsidiary, Pagaya US Holding Company LLC, plans to offer $450 million in unsecured senior notes due 2030 in a private offering to qualified institutional buyers. The proceeds will be used to repay existing credit facilities and secured borrowings, with the remainder for general corporate purposes. The notes will be guaranteed by Pagaya and its subsidiaries, but they will not be registered under the Securities Act, limiting their sale to qualified buyers.
The most recent analyst rating on (PGY) stock is a Buy with a $14.50 price target. To see the full list of analyst forecasts on Pagaya Technologies Ltd stock, see the PGY Stock Forecast page.
Pagaya Technologies Ltd. announced that as of December 31, 2025, it will be classified as a ‘large accelerated filer,’ losing its status as an emerging growth company and requiring compliance with auditor attestation under the Sarbanes-Oxley Act. Additionally, the company will no longer be considered a ‘foreign private issuer’ and will adhere to U.S. domestic issuer regulations starting January 1, 2026. In its preliminary second quarter results for 2025, Pagaya expects to exceed prior guidance across key metrics, with network volume reaching approximately $2.6 billion and total revenue around $326 million. The company is focused on optimizing its balance sheet and reducing capital costs to sustain growth and profitability, without the need to issue equity or equity-linked instruments.
The most recent analyst rating on (PGY) stock is a Buy with a $14.50 price target. To see the full list of analyst forecasts on Pagaya Technologies Ltd stock, see the PGY Stock Forecast page.
On May 7, 2025, Pagaya Technologies Ltd. reported its financial results for the first quarter ending March 31, 2025, highlighting a significant turnaround to GAAP profitability earlier than anticipated. The company achieved a net income of $8 million, a record adjusted EBITDA of $80 million, and total revenue of $290 million, marking substantial year-over-year growth. Pagaya also raised its full-year guidance for total revenue, GAAP net income, and adjusted EBITDA, indicating strong operational leverage and growing partner adoption. The company expanded its funding network with three new investors, raising $1.4 billion across three transactions in Q1, and expects continued growth in the second quarter and full year 2025.