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Company Analysis

Pagaya Technologies Ltd. PGY

A comprehensive view of key metrics, scores, and financial health for Pagaya Technologies Ltd.

Overview of Pagaya Technologies Ltd.

PGY NCM
Technology Software - Infrastructure Small Cap
Pagaya Technologies Ltd. (PGY), is a Small Cap company, in the Software - Infrastructure industry, last closed at $10.96, about 471.0% undervalued vs fair value, -4.5% 1Y return, ranked 227/761 in sector.
$10.96
0.46%
As of March 13, 2026
Previous close • Vol 90d: 85.7%
52-Week Range
Market Cap
$948.23M
Enterprise Value
$1.58B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://pagaya.com
HQ New York, NY
Fiscal year Dec 31

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$57
$63
$69
Current: $10.96 +471% vs base

Engine Room Money Flow™

Small Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$1.3B
25.6%%
Gross Profit
$512.2M
25.9%%
Operating Income
$223.8M
234.8%%
Net Income
$81.4M
120.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Operating Cash Flow Margin
18.9%
Good

OCF / Revenue - cash profitability from operations

Locked Metric
-
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Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
Analysis based on partial data. Some metrics unavailable for complete assessment.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Pagaya Technologies Ltd.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
49
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 70% Coverage
Trade-Off Triangle Visualization A ternary plot showing PGY's balance between Growth (34.7%), Profitability (28.8%), and Safety (36.6%). Growth 35% Safety 37% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

72th percentile vs peers
72
Key Signals
Rev Growth YoY 25.6% 73p Revenue CAGR 3Y 22.5% 70p
Strengths
  • Operating Margin in top 20% of peers (17.7%, 82th percentile)
  • Current Ratio in top 20% of peers (5.62, 91th percentile)
  • D/E Ratio in top 20% of peers (1.92, 86th percentile)
  • Quick Ratio in top 20% of peers (4.05, 85th percentile)
Risks

No significant risks identified for this axis.

Profitability

59th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

76th percentile vs peers
76
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Pagaya Technologies Ltd..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$62.58
- - -
+471.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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