Also trades as: PGY (NASDAQ) · $vol 55M
PGYWW NASDAQ
Pagaya Technologies Ltd.
1W: -6.5%
1M: -13.9%
3M: -55.8%
YTD: -96.2%
1Y: -97.4%
3Y: -95.6%
$0.01
-0.00 (-3.08%)
Credit Risk of going bust: higher than 83% of companies Debt: 36.6% of company value Bonds: none of note held by US funds details ▾
Of US companies ranked in the second-riskiest tenth, about 1 in 87 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.00 (down 93%), Pagaya Technologies Ltd. would be worth roughly what it owes.
Total debt $907.3M against a stock market value of $1.58B.
Distance to default 2.37 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $437.5M (short-term plus half of long-term), stock volatility 74.0%; Altman Z'' 5.10. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
If the stock fell to about $0.00 (down 93%), Pagaya Technologies Ltd. would be worth roughly what it owes.
Total debt $907.3M against a stock market value of $1.58B.
Distance to default 2.37 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $437.5M (short-term plus half of long-term), stock volatility 74.0%; Altman Z'' 5.10. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
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Revenue by Segment (5-Year Trend)
Income Trends
Revenue
$1.3B
+25.6% ▲
5Y CAGR: +68.9%
Gross Profit
$512M
+25.9% ▲
5Y CAGR: +64.4%
Operating Income
$224M
+234.8% ▲
5Y CAGR: +60.1%
Net Income
$81M
+120.3% ▲
5Y CAGR: +41.3%
EPS (Diluted)
$0.93
+116.4% ▲
5Y CAGR: -2.9%
EBITDA
$82M
+20.3% ▲
5Y CAGR: +41.8%
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $446M | $685M | $773M | $1.0B | $1.3B |
| YoY Growth | +386.0% | +53.7% | +12.8% | +30.0% | +25.6% |
| Cost of Revenue | $232M | $451M | $509M | $598M | $749M |
| Gross Profit | $214M | $234M | $264M | $407M | $512M |
| Gross Margin | 47.9% | 34.2% | 34.1% | 40.5% | 40.6% |
| R&D Expenses | $66M | $151M | $74M | $77M | $75M |
| SG&A Expenses | $182M | $398M | $253M | $291M | $213M |
| Operating Expenses | $219M | $486M | $288M | $340M | $288M |
| Operating Income | -$6M | -$252M | -$24M | $67M | $224M |
| Operating Margin | -1.3% | -36.7% | -3.2% | 6.7% | 17.7% |
| Interest Expense | $0 | $0 | $0 | $0 | $0 |
| Income Before Tax | -$62M | -$276M | -$181M | -$421M | $52M |
| Tax Expense | $8M | $16M | $16M | $25M | -$20M |
| Net Income | -$91M | -$302M | -$128M | -$401M | $81M |
| Net Margin | -20.4% | -44.1% | -16.6% | -40.0% | 6.5% |
| EPS (Diluted) | $-4.27 | $-7.65 | $-2.14 | $-5.66 | $0.93 |
| EBITDA | -$34M | -$309M | -$45M | $68M | $82M |
| Shares Outstanding | 16M | 38M | 60M | 71M | 83M |