📊 PGYWW Key Takeaways
Is Pagaya Technologies Ltd. (PGYWW) a Good Investment?
Pagaya demonstrates solid fundamental cash generation ($224.7M FCF with 17.3% margin) and reasonable profitability (20.3% operating margin), but faces headwinds from anemic revenue growth of 3.2% YoY, which is concerning for a fintech business. Moderate leverage (1.25x D/E) combined with a widening gap between operating income and net income suggests elevated financial costs limiting bottom-line expansion.
Pagaya Technologies Ltd. Key Strengths (PGYWW)
- Exceptional free cash flow generation of $224.7M (17.3% FCF margin) demonstrates strong cash conversion
- Solid operating margins of 20.3% and respectable ROE of 17.0% reflect operational efficiency
- Operating cash flow of $238.6M significantly exceeds capital expenditures, funding debt and operations
PGYWW Stock Risks: Pagaya Technologies Ltd. Investment Risks
- Weak revenue growth of 3.2% YoY suggests limited market expansion or intensifying competitive pressures in fintech lending
- Moderate but material leverage with debt-to-equity of 1.25x ($599.8M debt vs $480M equity) constrains financial flexibility
- Net margin compression to 6.3% indicates significant financial costs eating into profitability; the $182.4M gap between operating and net income warrants scrutiny
Key Metrics to Watch
- Revenue growth acceleration - must exceed 5%+ to demonstrate healthy business expansion
- Net income to operating income conversion - monitor if financial costs remain elevated
- Debt-to-equity ratio trend - ensure leverage does not deteriorate further
Pagaya Technologies Ltd. (PGYWW) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Pagaya Technologies Ltd. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
PGYWW Profit Margin, ROE & Profitability Analysis
PGYWW vs Finance Sector: How Pagaya Technologies Ltd. Compares
How Pagaya Technologies Ltd. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Pagaya Technologies Ltd. Stock Overvalued? PGYWW Valuation Analysis 2026
Based on fundamental analysis, Pagaya Technologies Ltd. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Pagaya Technologies Ltd. Balance Sheet: PGYWW Debt, Cash & Liquidity
PGYWW Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Pagaya Technologies Ltd.'s revenue has grown significantly by 63% over the 5-year period, indicating strong business expansion. The most recent EPS of $-2.14 indicates the company is currently unprofitable.
PGYWW Revenue Growth, EPS Growth & YoY Performance
PGYWW Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $282.7M | $7.9M | $0.10 |
| Q3 2025 | $249.3M | $22.5M | $0.23 |
| Q2 2025 | $242.6M | $16.7M | $0.20 |
| Q1 2025 | $237.0M | $7.9M | $0.10 |
| Q3 2024 | $201.4M | -$21.8M | $-0.36 |
| Q2 2024 | $185.7M | -$31.3M | $-0.53 |
| Q1 2024 | $175.3M | -$21.2M | $-0.33 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Pagaya Technologies Ltd. Dividends, Buybacks & Capital Allocation
PGYWW SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Pagaya Technologies Ltd. (CIK: 0001883085)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PGYWW
What is the AI rating for PGYWW?
Pagaya Technologies Ltd. (PGYWW) has an AI grade of B with 70% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PGYWW's key strengths?
Claude: Exceptional free cash flow generation of $224.7M (17.3% FCF margin) demonstrates strong cash conversion. Solid operating margins of 20.3% and respectable ROE of 17.0% reflect operational efficiency.
What are the risks of investing in PGYWW?
Claude: Weak revenue growth of 3.2% YoY suggests limited market expansion or intensifying competitive pressures in fintech lending. Moderate but material leverage with debt-to-equity of 1.25x ($599.8M debt vs $480M equity) constrains financial flexibility.
What is PGYWW's revenue and growth?
Pagaya Technologies Ltd. reported revenue of $1.3B.
Does PGYWW pay dividends?
Pagaya Technologies Ltd. does not currently pay dividends.
Where can I find PGYWW SEC filings?
Official SEC filings for Pagaya Technologies Ltd. (CIK: 0001883085) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PGYWW's EPS?
Pagaya Technologies Ltd. has a diluted EPS of $0.93.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PGYWW's fundamental grade?
Based on our AI fundamental analysis in May 2026, Pagaya Technologies Ltd. has a B grade with 70% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PGYWW stock overvalued or undervalued?
Valuation metrics for PGYWW: ROE of 17.0% (sector avg: 12%), net margin of 6.3% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
What is PGYWW's AI grade for 2026?
Our dual AI analysis gives Pagaya Technologies Ltd. a combined B grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PGYWW's free cash flow?
Pagaya Technologies Ltd.'s operating cash flow is $238.6M, with capital expenditures of $13.9M. FCF margin is 17.3%.
How does PGYWW compare to other Finance stocks?
Vs Finance sector averages: Net margin 6.3% (avg: 25%), ROE 17.0% (avg: 12%), current ratio 1.42 (avg: 1.2).