Pagaya Technologies Ltd.

PGY

$22.39

-2.20%

N/A-$0.50

Technology

Software - Infrastructure

NASDAQ

Active Trading

Pagaya Technologies Ltd. is a financial technology enterprise operating across Israel, the United States, and the Cayman Islands. The company specializes in ...

Key Metrics of PGY

Snapshot

Latest / TTM · 6 periods

Market Cap

$1.91B

ROCE

18.1%

EV / EBITDA

21.18x

+2.3% YoY

FCF Yield

13.2%

-0.5% YoY

Cash Conversion Cycle

50.6d

Current Ratio

11.51

Quick take

TTM —

Positive CCC

Key Metrics

Latest / TTM · 6 periods

Valuation trend

Valuation trend table

Metric	2021	2022	2023	2024	2025	TTM
Market CapTotal market value of all shares outstanding.	$1.94B	$569.22M	$993.89M	$658.47M	$1.64B	$1.91B
Enterprise ValueCompany value including debt and cash adjustments.	$1.79B	$471.68M	$1.22B	$1.15B	$2.26B	$2.57B
EV / SalesHow many dollars investors pay per dollar of sales.	4.01x	0.69x	1.58x	1.15x	1.79x	1.94x
EV / EBITDAValuation multiple versus operating earnings before non-cash charges.	-52.99x	-1.53x	-27.41x	16.96x	27.67x	21.18x
Net Debt / EBITDALeverage ratio using net debt divided by EBITDA.	4.53	0.32	-5.08	7.26	7.63	5.43

Returns + ROCE gauge

ROCE latest

18.1%

Prev year 15.8%

Returns + ROCE gauge table

Metric	2021	2022	2023	2024	2025	TTM
ROEProfit generated from shareholders' equity.	-29.6%	-54.6%	-22.9%	-122.9%	17.0%	24.5%
ROAProfit generated from total assets.	-15.4%	-28.9%	-10.6%	-31.1%	5.3%	7.5%
ROICReturn generated on invested operating capital.	-17.3%	-86.8%	-20.4%	15.5%	5.0%	7.7%
ROCEOperating return on long-term capital used.	-1.0%	-34.4%	-2.2%	6.1%	15.8%	18.1%
Earnings YieldEarnings as a percentage of market value.	-4.7%	-53.1%	-12.9%	-61.0%	5.0%	6.7%

Cash flow quality

Cash flow quality table

Metric	2021	2022	2023	2024	2025	TTM
FCFFCash flow available to all capital providers.	$43.19M	$-62.41M	$-10.61M	$48.78M	$224.72M	$251.78M
FCFECash flow available to equity holders after debt flows.	$81.09M	$119.11M	$196.47M	$342.86M	$385.65M	$343.21M
FCF YieldFree cash flow divided by market capitalization.	2.2%	-11.0%	-1.1%	6.6%	13.7%	13.2%
Income QualityHow well accounting earnings are backed by cash flow.	-0.72	0.14	-0.05	-0.15	3.34	2.23
Capex / OCFShare of operating cash flow spent on capital expenditures.	13.3%	-56.0%	210.8%	34.9%	5.8%	4.9%

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	TTM
DSOAverage days to collect cash from customers.	27.6d	31.5d	41.3d	46.3d	56.7d	52.4d
DIOAverage days inventory stays before being sold.	0.0d	0.0d	0.0d	0.0d	0.0d	0.0d
DPOAverage days the company takes to pay suppliers.	18.2d	1.4d	0.9d	4.3d	1.9d	1.9d
Operating CycleTime from buying inventory to collecting receivables.	27.6d	31.5d	41.3d	46.3d	56.7d	52.4d
Cash Conversion CycleNet days cash is tied in operations.	9.4d	30.1d	40.4d	42.0d	54.7d	50.6d

Snapshot

Latest / TTM: —

Market Cap

$1.91B

ROE

24.5%

FCF Yield

13.2%

Current Ratio

11.51

About UsPrivacy PolicyTerms of ServiceDisclaimerStock DirectoryETFsIndices13F HoldingsAnalyst TargetsFree ToolsTechnology MapJoin our Slack

Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer