XNAS
PGY
Market cap710mUSD
Apr 11, Last price
9.44USD
1D
-0.11%
1Q
7.64%
IPO
-86.69%
Name
Pagaya Technologies Ltd
Chart & Performance
P/E
—
P/S
0.69
EPS
—
Div Yield, %
—
Shrs. gr., 5y
35.39%
Rev. gr., 5y
95.50%
Revenues
1.03b
+33.57%
Net income
-401m
L+212.53%
CFO
67m
+594.58%
Earnings
May 07, 2025
Profile
Pagaya Technologies Ltd. operates as a financial technology company in Israel, the United States, and the Cayman Islands. It develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include high-growth financial technology companies, incumbent financial institutions, auto finance providers, and brokers. The company was founded in 2016 and is headquartered in Tel Aviv, Israel.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|
| 2024‑12 | 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | |
| Income | ||||||
Revenues | 1,032,248 33.57% | 772,814 12.75% | 685,414 53.73% | |||
Cost of revenue | 965,408 | 836,451 | 1,000,433 | |||
Unusual Expense (Income) | ||||||
NOPBT | 66,840 | (63,637) | (315,019) | |||
NOPBT Margin | 6.48% | |||||
Operating Taxes | 24,576 | 15,571 | 16,400 | |||
Tax Rate | 36.77% | |||||
NOPAT | 42,264 | (79,208) | (331,419) | |||
Net income | (401,406) 212.53% | (128,438) -56.13% | (292,774) 321.12% | |||
Dividends | ||||||
Dividend yield | ||||||
Proceeds from repurchase of equity | 101,821 | 27,892 | 291,872 | |||
BB yield | -15.12% | -2.81% | -51.28% | |||
| Debt | ||||||
Debt current | 30,656 | 44,616 | 70,359 | |||
Long-term debt | 371,242 | 418,839 | 199,526 | |||
Deferred revenue | ||||||
Other long-term liabilities | 214,245 | 25,377 | 9,171 | |||
Net debt | (542,345) | (466,199) | (529,778) | |||
| Cash flow | ||||||
Cash from operating activities | 66,520 | 9,577 | (40,000) | |||
CAPEX | (20,189) | (22,406) | ||||
Cash from investing activities | (498,645) | (412,693) | (265,419) | |||
Cash from financing activities | 436,688 | 289,096 | 437,920 | |||
FCF | 140,708 | (116,983) | (450,946) | |||
| Balance | ||||||
Cash | 187,921 | 188,968 | 310,800 | |||
Long term investments | 756,322 | 740,686 | 488,863 | |||
Excess cash | 892,631 | 891,013 | 765,392 | |||
Stockholders' equity | (840,476) | (436,165) | (203,009) | |||
Invested Capital | 1,935,351 | 1,614,125 | 1,183,437 | |||
ROIC | 2.38% | |||||
ROCE | 5.93% | |||||
| EV | ||||||
Common stock shares outstanding | 72,495 | 60,039 | 38,254 | |||
Price | 9.29 -43.90% | 16.56 11.29% | 14.88 | |||
Market cap | 673,479 -32.26% | 994,244 74.67% | 569,216 | |||
EV | 246,189 | 634,073 | 251,341 | |||
EBITDA | 66,840 | (44,510) | (308,725) | |||
EV/EBITDA | 3.68 | |||||
Interest | 57,758 | |||||
Interest/NOPBT | ||||||