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Pagaya Technologies Ltd. (PGY)
Technology · Software - Infrastructure · NasdaqCM
Pagaya Technologies Ltd. revenue & earnings — last 5 fiscal years
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $474.59M | $685.41M | $772.81M | $1.00B | $1.26B |
| Gross profit | $242.26M | $234.33M | $263.87M | $406.90M | $512.17M |
| Net income | $-91.15M | $-302.32M | $-128.44M | $-401.41M | $81.39M |
| Net margin | -19.2% | -44.1% | -16.6% | -40.0% | 6.5% |
Source: Pagaya Technologies Ltd. SEC filings (10-K).
What growth is priced into PGY stock?
At today's market cap of $1.24B, Pagaya Technologies Ltd. is priced for free-cash-flow growth of about -10.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $224.72M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 5 years of Pagaya Technologies Ltd. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Pagaya Technologies Ltd. financial history by metric
About 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.
Pagaya Technologies Ltd. — frequently asked questions
What is Pagaya Technologies Ltd.'s revenue?
Pagaya Technologies Ltd. (PGY) reported revenue of $1.26B for fiscal year 2025, up 25.6% from the prior year, according to its SEC filings.
Is Pagaya Technologies Ltd. profitable?
Yes. PGY earned net income of $81.39M in fiscal 2025, a net margin of 6.5%.
What is PGY's P/E ratio?
Pagaya Technologies Ltd. trades at a price-to-earnings ratio of about 13.4 based on the latest data in our nightly-refreshed cache.
How fast is Pagaya Technologies Ltd. growing?
PGY's revenue grew at roughly 27.7% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Pagaya Technologies Ltd. have?
As of fiscal year 2025, PGY carried roughly $824.27M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Pagaya Technologies Ltd.'s gross margin?
PGY's gross margin was 40.6% in fiscal 2025 — gross profit of $512.17M on revenue of $1.26B.
What is Pagaya Technologies Ltd.'s market cap?
Pagaya Technologies Ltd. (PGY) has a market capitalization of about $1.24B, based on the latest data in our nightly-refreshed cache.
When does Pagaya Technologies Ltd.'s fiscal year end?
PGY's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into PGY stock?
At today's market cap of $1.24B, Pagaya Technologies Ltd. is priced for free-cash-flow growth of about -10.6% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $224.72M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from Pagaya Technologies Ltd.'s official SEC filings (10-K and 10-Q), covering 5 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.