PAGAYA TECHNOLOGIES LTD -A (PGY)
IL0011858912 - Common Stock
PGY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 276 industry peers in the Software industry. Both the profitability and financial health of PGY have multiple concerns. PGY is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year PGY has reported negative net income.
PGY had a positive operating cash flow in the past year.
1.2 Ratios
PGY has a Return On Assets (-10.63%) which is in line with its industry peers.
With a Return On Equity value of -20.26%, PGY perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -10.63% | ||
| ROE | -20.26% | ||
| ROIC | N/A |
ROA(3y)-21.16%
ROA(5y)N/A
ROE(3y)-40.21%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Gross Margin of PGY (37.33%) is worse than 75.91% of its industry peers.
PGY's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for PGY so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 37.33% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-9.53%
GM growth 5YN/A
2. Health
2.1 Basic Checks
PGY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PGY has been increased compared to 1 year ago.
Compared to 1 year ago, PGY has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.94, we must say that PGY is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PGY (0.94) is worse than 63.14% of its industry peers.
PGY has a Debt/Equity ratio of 0.51. This is a neutral value indicating PGY is somewhat dependend on debt financing.
PGY's Debt to Equity ratio of 0.51 is on the low side compared to the rest of the industry. PGY is outperformed by 62.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.94 |
ROIC/WACCN/A
WACC7.87%
2.3 Liquidity
PGY has a Current Ratio of 4.05. This indicates that PGY is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of PGY (4.05) is better than 82.85% of its industry peers.
A Quick Ratio of 4.05 indicates that PGY has no problem at all paying its short term obligations.
The Quick ratio of PGY (4.05) is better than 83.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.05 | ||
| Quick Ratio | 4.05 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 61.25% over the past year.
Looking at the last year, PGY shows a quite strong growth in Revenue. The Revenue has grown by 8.43% in the last year.
PGY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 101.67% yearly.
EPS 1Y (TTM)61.25%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-380%
Revenue 1Y (TTM)8.43%
Revenue growth 3Y101.67%
Revenue growth 5YN/A
Revenue growth Q2Q13.03%
3.2 Future
The Earnings Per Share is expected to grow by 31.66% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 21.02% on average over the next years. This is a very strong growth
EPS Next Y96.49%
EPS Next 2Y64.4%
EPS Next 3Y31.66%
EPS Next 5YN/A
Revenue Next Year19.54%
Revenue Next 2Y19.36%
Revenue Next 3Y21.02%
Revenue Next 5YN/A
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
PGY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for PGY. No positive earnings are expected for the next year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PGY's earnings are expected to grow with 31.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y64.4%
EPS Next 3Y31.66%
5. Dividend
5.1 Amount
No dividends for PGY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAGAYA TECHNOLOGIES LTD -A
NASDAQ:PGY (4/29/2024, 7:20:03 PM)
After market: 10.11 +0.05 (+0.5%)10.06
-0.34 (-3.27%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap709.03M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -10.63% | ||
| ROE | -20.26% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 37.33% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.67
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 4.05 | ||
| Quick Ratio | 4.05 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)61.25%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y96.49%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)8.43%
Revenue growth 3Y101.67%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y