← AI Companies
Pagaya Technologies develops AI-powered platforms for credit analysis, underwriting, and financial asset management.
- Share Price
- 17.21USD
- Market Cap
- 1.45BUSD
- Revenue
- 1.43BUSD
- Net Income
- 149.84MUSD
- P/E (trailing)
- 10.2x
Financial data: Yahoo Finance, as of 11-Nov-2026
Price & Size
| Price |
17.21 USD |
| Market Cap |
1.45B USD |
| Shares Outstanding |
72.74M |
| Shares Float |
71.08M |
| 52w Low |
10.40 USD |
| 52w High |
29.32 USD |
| Avg Volume |
2.23M |
Valuation
| P/E (trailing) |
10.2x |
| P/E (forward) |
4.1x |
| P/B |
2.32x |
| Enterprise Value |
1.16B USD |
| Book Value / Share |
7.42 USD |
| PEG Ratio |
0.03x |
| P/S |
1.01x |
| EV / Revenue |
0.81x |
| EV / EBITDA |
3.03x |
Income
| Revenue |
1.43B USD |
| Revenue / Share |
17.26 USD |
| EBITDA |
384.03M USD |
| Net Income |
149.84M USD |
| EPS (trailing) |
1.68 USD |
| EPS (forward) |
4.21 USD |
Margins & Profitability
| Gross Margin |
43.9% |
| Operating Margin |
28.8% |
| Profit Margin |
10.8% |
| EBITDA Margin |
26.9% |
| Return on Equity |
22.2% |
| Return on Assets |
14.5% |
Growth
| Revenue Growth |
11.5% |
| Earnings Growth |
128.1% |
Cash & Debt
| Total Cash |
1.35B USD |
| Total Debt |
992.09M USD |
| Free Cash Flow |
218.91M USD |
| Operating Cash Flow |
246.73M USD |
| Debt / Equity |
1.42x |
| Current Ratio |
12.23x |
| Quick Ratio |
11.80x |
Dividend
| Yield |
0.0% |
| Payout Ratio |
0.0% |
Analyst Consensus
| Target (Mean) |
29.45 USD |
| Target (Median) |
27.00 USD |
| Target (High) |
38.00 USD |
| Target (Low) |
25.00 USD |
| Analysts' Rating |
Strong buy |
| # Analysts |
11 |
Sentiment 48.0%
as of 11-Nov-2026
Sentiment is an AI (Grok) reading of market mood over the past 30 days: 0% very negative, 50% neutral, 100% very positive.
Positive drivers
Pagaya reported modest growth in AI-driven loan origination volumes amid broader fintech recovery. Strategic partnerships with major banks helped stabilize revenue streams. Positive analyst coverage highlighted potential in automated credit decisioning.
Neutral / mixed
Overall sector rotation away from high-growth tech names created mixed trading patterns. Macroeconomic data on consumer credit remained stable without clear directional signals. Earnings guidance was in line with expectations but lacked upward revisions.
Negative drivers
Shares faced pressure from ongoing dilution concerns and elevated operating expenses. Regulatory scrutiny on AI lending models introduced uncertainty. Competitor advancements in similar technologies weighed on relative valuation.
Bottom line
Sentiment for PGY remains slightly negative to neutral over the period, with limited catalysts to drive sustained upside. Investors appear cautious pending clearer evidence of scalable profitability.
Nasdaq
USD