Stock AnalizPagaya Technologies Ltd. PGY
Finance: Consumer Services · data as of November 13, 2026
Pagaya Technologies Ltd. (PGY) is a financial company listed in the US with a market value of about $1.4B. In the twelve months to September 30, 2026 it had revenue of $1.4B and net income of $150M, a net margin of 10.5%.
Its overall Stock Analiz score is 3.4 out of 5 (good). The strongest part is value (5/5); the weakest is shareholder returns (1/5).
Key numbers: a P/E of 10.1, a price to free cash flow of 6.1, 5-year revenue growth of 67% a year, a 5-year average ROIC of -0%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 60% above the current price.
Score: 3.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
Checks not passed
- 3-year free cash flow growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- Liabilities below 60% of assets
- Pays a dividend
- Share count down over 3 years (buybacks)
- 20% to 100% of free cash flow returned to shareholders
- Dividend 3 years in a row
Valuation
Growth and quality
Financials, last 6 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue | $1.4B | $1.3B | $1.0B | $812M | $749M | $475M | $99M |
| Net income | $150M | $81M | -$401M | -$128M | -$302M | -$91M | $14M |
| Free cash flow | $234M | $225M | $30M | -$42M | -$62M | $43M | $3M |
| EPS (diluted) | $1.67 | $0.97 | $-4.78 | $-1.53 | $-3.60 | $-1.08 | $0.17 |
| Net margin | 10.5% | 6.2% | -38.9% | -15.8% | -40.4% | -19.2% | 14.6% |
| ROIC | — | 31.4% | 7.7% | -2.2% | -26.5% | -11.7% | 22.7% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 11 analysts is $29.45, 75% above the current price; targets range from $25.00 to $38.00; the consensus rating is “Strong buy”; expected EPS is $3.78 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Pagaya Technologies’s P/E ratio?
About 10.1, based on the last twelve months of diluted earnings per share (forward P/E about 4.3).
Is Pagaya Technologies stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 60% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Pagaya Technologies pay a dividend?
Not currently.
Is Pagaya Technologies a good stock to buy?
We do not give buy or sell advice. Pagaya Technologies scores 3.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.