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Home CompaniesPagaya Technologies Ltd.

Pagaya Technologies Ltd.

Technology Software - Infrastructure
PortfolioPortfolio WatchlistWatchlist
Company price
17.24 USD 0.03 ( 0.17%)
Last update at 2026-11-11T21:00:00Z
VOLUME
1625931
Market Cap
1725.24M
P/E
14.67

Momentum Score

…

Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the transaction process. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
17.15
Low
17.90
High
52 Week Price Range
10.40
Low
44.99
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
17.21
Dividend Yield
-
Revenue TTM
1389.96M
Revenue Per Share
17.03
Gross Profit TTM
603.06M
Debt / Equity
1.79
ROE
19.46%
Net Debt
623.15M
ROCE
3.65%
Diluted EPS TTM
1.41

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 51.62M -421.12M -181.17M -276.37M -61.65M
Minority interest 10.02M 44.29M 80.89M -9.55M -21.63M
Net income 81.39M -401.41M -128.44M -292.77M -69.52M
Selling general administrative 159.56M 240.78M 203.35M 294.21M 132.24M
Selling and marketing expenses 53.59M 50.40M 49.77M 104.20M 49.63M
Gross profit 512.17M 406.90M 263.87M 234.33M 213.54M
Reconciled depreciation 30.08M 28.75M 15.38M 6.29M 0.81M
Ebit 51.62M 39.14M -63.64M -315.02M -34.53M
Ebitda 81.70M 67.89M -44.51M -314.48M -33.56M
Depreciation and amortization 30.08M 28.75M 19.13M 0.54M 0.97M
Operating income 223.81M 66.84M -24.40M -315.02M -34.53M
Other operating expenses 1037.53M 937.71M 797.21M 1000.43M 480.40M
Interest expense - - - 57.76M 48.90M
Tax provision -19.75M 24.58M 1.31M 16.40M 7.88M
Interest income 48.43M 32.29M 45.60M 57.76M 28.88M
Net interest income 48.43M 32.29M 45.60M 57.76M 28.88M
Income tax expense -19.75M 24.58M 15.57M 16.40M 7.88M
Total revenue 1261.34M 1004.55M 772.81M 685.41M 445.87M
Total operating expenses 288.36M 340.06M 288.27M 549.35M 248.07M
Cost of revenue 749.17M 597.65M 508.94M 451.08M 232.32M
Total other income expense net -172.18M -487.96M -156.77M 38.65M -27.12M
Net income from continuing ops 71.37M -445.70M -228.91M -292.77M -69.52M
Net income applicable to common shares - - - -314.53M -134.32M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1545.91M 1291.07M 1208.38M 1045.08M 590.26M
Intangible assets 7.66M 12.82M 2.55M - -
Other current assets 64.63M 28.36M 16.26M 27.26M 1.55M
Total liab 990.56M 849.53M 542.63M 279.66M 412.91M
Total stockholder equity 480.02M 326.49M 559.72M 553.52M 1.29M
Deferred long term liab - - - - 11.97M
Other current liab 93.32M 45.36M 28.56M 55.92M 17.09M
Common stock - - - - 0.00M
Capital stock 0.00M 0.00M 0.00M 0.00M 0.00M
Retained earnings -862.65M -944.04M -542.19M -414.20M -111.88M
Other liab - - - 9.74M 39.28M
Good will 22.90M 23.06M 10.95M - -
Other assets - - 0.00M 43.66M 43.65M
Cash 235.33M 187.92M 203.35M 309.79M 190.78M
Total current liabilities 131.47M 195.49M 74.92M 128.02M 28.67M
Current deferred revenue - - 0.46M - -
Net debt 623.15M 492.89M 283.48M -97.53M -152.87M
Short term debt 34.21M 133.28M 44.62M 70.36M -
Short long term debt - 126.83M 37.69M 61.83M -
Short long term debt total 858.48M 680.81M 486.83M 212.26M 37.91M
Other stockholder equity 1390.99M 1282.02M 1027.22M 968.43M 113.17M
Property plant equipment - - - 92.74M 7.65M
Total current assets 1454.55M 351.48M 303.40M 419.82M 246.53M
Long term investments - 778.25M 740.69M 488.86M 292.42M
Net tangible assets - - - 553.52M 1.29M
Short term investments 958.79M 7.80M 2.49M 1.01M 10.16M
Net receivables 195.81M 127.40M 81.30M 59.22M 33.70M
Long term debt 824.27M 516.92M 324.03M 92.80M 37.91M
Inventory - - 0.00M 22.54M 10.35M
Accounts payable 3.93M 6.99M 1.29M 1.74M 11.58M
Accumulated other comprehensive income -48.32M -11.49M 0.44M -0.71M -307.05M
Non currrent assets other 54.16M 50.60M -2.41M 37.98M 6.80M
Non current assets total 91.36M 939.59M 904.97M 625.26M 343.72M
Capital lease obligations 34.21M 37.06M 50.87M 57.63M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -279.81M -498.64M -389.70M -265.42M 39.35M
Change to liabilities - - - -3.59M 7.62M
Total cashflows from investing activities -309.71M -498.64M -412.69M -265.42M -140.74M
Net borrowings 160.93M 294.07M 207.08M 116.73M 37.91M
Total cash from financing activities 129.60M 436.69M 289.10M 437.92M 289.62M
Change to operating activities - - - 5.73M 8.67M
Net income 71.37M -445.70M -196.74M -292.77M -69.52M
Change in cash 61.83M 3.98M -114.53M 132.50M 198.69M
Begin period cash flow 226.52M 222.54M 337.08M 204.57M 5.88M
End period cash flow 288.35M 226.52M 222.54M 337.08M 204.57M
Total cash from operating activities 238.62M 66.52M 9.58M -40.00M 49.81M
Issuance of capital stock 0.00M 101.82M 78.04M 291.87M 172.65M
Depreciation 30.08M 28.75M 19.13M 6.29M 0.81M
Other cashflows from investing activities -16.00M -5.50M 1.61M - -
Change to inventory - - - - 17.07M
Change to account receivables -26.28M -24.00M -20.74M -46.45M -27.55M
Sale purchase of stock - - -0.65M - -
Other cashflows from financing activities -38.25M 40.79M 54.12M 210.84M 289.62M
Change to netincome - - - 297.96M 151.41M
Capital expenditures 13.90M 23.24M 20.19M 22.41M 6.62M
Change in working capital -73.27M 2.09M -20.89M -41.94M -2.86M
Stock based compensation 54.12M 61.50M 71.06M 241.69M 67.78M
Other non cash items 156.32M 419.88M 137.02M 46.73M 53.59M
Free cash flow 224.72M 43.28M -10.61M -62.41M 43.19M

Peer Comparison*

Sector: Technology Industry: Software - Infrastructure

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
PGY
Pagaya Technologies Ltd.		 0.03
0.17%		 17.24 14.67 4.96 1.24 2.95 1.04 4.52
MSFT
Microsoft Corporation		 -12.04
2.26%		 521.12 37.32 29.94 13.03 12.45 13.06 24.59
ORCL
Oracle Corporation		 10.40
8.82%		 128.38 21.96 17.89 5.91 7.08 7.82 14.89
CRWD
Crowdstrike Holdings Inc		 3.30
1.46%		 229.06 4849.80 188.68 46.01 47.24 43.89 559.34
FTNT
Fortinet Inc		 4.55
3.68%		 128.12 60.27 43.86 16.80 80.50 16.11 43.33

Profile*

Pagaya Technologies Ltd.

Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the transaction process. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.

335 Madison Ave, New York, NY, United States, 10017

646 710 7714

https://pagaya.com

493

Name Title Year Born
Mr. Gal Krubiner CEO, Co-Founder & Director 1988
Mr. Ashok Valiram Vaswani Pres 1961
Mr. Avital Pardo CTO, Co-Founder & Director 1985
Mr. Yahav Yulzari Chief Revenue Officer, Co-Founder & Director 1985
Mr. Michael Evan Kurlander Chief Financial Officer 1978
Mr. Amol Sagun Naik Chief Operating Officer NA
Mr. Edward John Mallon Chief Investment Officer NA
Mr. Scott Bower Chief Accounting Officer 1976
Mr. Richmond Robert Glasgow Gen. Counsel 1986
Ms. Tami Rosen Chief People Officer 1971

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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