PAGAYA TECHNOLOGIES LTD -A (PGY) Stock Fundamental Analysis

NASDAQ:PGY • IL0011858912

12.4 USD
-0.47 (-3.65%)
At close: Feb 12, 2026
12.35 USD
-0.05 (-0.4%)
After Hours: 2/12/2026, 8:10:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, PGY scores 4 out of 10 in our fundamental rating. PGY was compared to 277 industry peers in the Software industry. The financial health of PGY is average, but there are quite some concerns on its profitability. PGY scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • PGY had positive earnings in the past year.
  • PGY had a positive operating cash flow in the past year.
  • PGY had negative earnings in each of the past 5 years.
  • In multiple years PGY reported negative operating cash flow during the last 5 years.
PGY Yearly Net Income VS EBIT VS OCF VS FCFPGY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 -100M -200M -300M -400M

1.2 Ratios

  • PGY has a worse Return On Assets (-13.30%) than 68.95% of its industry peers.
  • With a Return On Equity value of -41.33%, PGY is not doing good in the industry: 68.23% of the companies in the same industry are doing better.
  • Looking at the Return On Invested Capital, with a value of 12.17%, PGY belongs to the top of the industry, outperforming 88.09% of the companies in the same industry.
Industry RankSector Rank
ROA -13.3%
ROE -41.33%
ROIC 12.17%
ROA(3y)-23.94%
ROA(5y)-18.43%
ROE(3y)-59.08%
ROE(5y)-43.26%
ROIC(3y)N/A
ROIC(5y)N/A
PGY Yearly ROA, ROE, ROICPGY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 -20 -40 -60 -80 -100

1.3 Margins

  • The Operating Margin of PGY (17.32%) is better than 84.12% of its industry peers.
  • PGY has a Gross Margin of 42.43%. This is in the lower half of the industry: PGY underperforms 75.09% of its industry peers.
  • In the last couple of years the Gross Margin of PGY has declined.
Industry RankSector Rank
OM 17.32%
PM (TTM) N/A
GM 42.43%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.22%
GM growth 5YN/A
PGY Yearly Profit, Operating, Gross MarginsPGY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 20 -20 40 -40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PGY is still creating some value.
  • PGY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PGY Yearly Shares OutstandingPGY Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 50M 100M 150M 200M
PGY Yearly Total Debt VS Total AssetsPGY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 1.25, we must say that PGY is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.25, PGY is in line with its industry, outperforming 44.40% of the companies in the same industry.
  • The Debt to FCF ratio of PGY is 4.50, which is a neutral value as it means it would take PGY, 4.50 years of fcf income to pay off all of its debts.
  • PGY's Debt to FCF ratio of 4.50 is in line compared to the rest of the industry. PGY outperforms 58.48% of its industry peers.
  • A Debt/Equity ratio of 1.64 is on the high side and indicates that PGY has dependencies on debt financing.
  • PGY has a worse Debt to Equity ratio (1.64) than 81.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 4.5
Altman-Z 1.25
ROIC/WACC1.31
WACC9.31%
PGY Yearly LT Debt VS Equity VS FCFPGY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

  • PGY has a Current Ratio of 4.07. This indicates that PGY is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of PGY (4.07) is better than 81.95% of its industry peers.
  • A Quick Ratio of 4.07 indicates that PGY has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 4.07, PGY belongs to the top of the industry, outperforming 81.95% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.07
Quick Ratio 4.07
PGY Yearly Current Assets VS Current LiabilitesPGY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 100M 200M 300M 400M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 126.91% over the past year.
EPS 1Y (TTM)126.91%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%111.25%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%16.46%

3.2 Future

  • PGY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 51.35% yearly.
  • PGY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.05% yearly.
EPS Next Y7.82%
EPS Next 2Y28.08%
EPS Next 3Y51.35%
EPS Next 5YN/A
Revenue Next Year16.28%
Revenue Next 2Y15.43%
Revenue Next 3Y16.05%
Revenue Next 5YN/A

3.3 Evolution

PGY Yearly Revenue VS EstimatesPGY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
PGY Yearly EPS VS EstimatesPGY Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 0 2 -2 4 -4

More info and screens

Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.38, the valuation of PGY can be described as very reasonable.
  • PGY's Price/Earnings ratio is rather cheap when compared to the industry. PGY is cheaper than 89.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, PGY is valued rather cheaply.
  • A Price/Forward Earnings ratio of 7.77 indicates a rather cheap valuation of PGY.
  • 88.81% of the companies in the same industry are more expensive than PGY, based on the Price/Forward Earnings ratio.
  • PGY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 8.38
Fwd PE 7.77
PGY Price Earnings VS Forward Price EarningsPGY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PGY indicates a rather cheap valuation: PGY is cheaper than 91.34% of the companies listed in the same industry.
  • 95.31% of the companies in the same industry are more expensive than PGY, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.84
EV/EBITDA 6.41
PGY Per share dataPGY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as PGY's earnings are expected to grow with 51.35% in the coming years.
PEG (NY)1.07
PEG (5Y)N/A
EPS Next 2Y28.08%
EPS Next 3Y51.35%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • PGY does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PAGAYA TECHNOLOGIES LTD -A

NASDAQ:PGY (2/12/2026, 8:10:01 PM)

After market: 12.35 -0.05 (-0.4%)

12.4

-0.47 (-3.65%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-09
Earnings (Next)05-05
Inst Owners61.52%
Inst Owner Change0%
Ins Owners2.43%
Ins Owner Change2.4%
Market Cap996.96M
Revenue(TTM)N/A
Net Income(TTM)-193.59M
Analysts84.29
Price Target40.9 (229.84%)
Short Float %19.83%
Short Ratio4.02
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.53%
Min EPS beat(2)-6.37%
Max EPS beat(2)25.43%
EPS beat(4)2
Avg EPS beat(4)-274.77%
Min EPS beat(4)-1261.55%
Max EPS beat(4)143.41%
EPS beat(8)2
Avg EPS beat(8)-1451.32%
EPS beat(12)3
Avg EPS beat(12)-989.99%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.4%
Min Revenue beat(2)2.29%
Max Revenue beat(2)2.51%
Revenue beat(4)4
Avg Revenue beat(4)2.12%
Min Revenue beat(4)0.72%
Max Revenue beat(4)2.96%
Revenue beat(8)7
Avg Revenue beat(8)1.4%
Revenue beat(12)11
Avg Revenue beat(12)3.32%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.72%
PT rev (3m)-0.99%
EPS NQ rev (1m)1.44%
EPS NQ rev (3m)15.23%
EPS NY rev (1m)0.95%
EPS NY rev (3m)16.89%
Revenue NQ rev (1m)-0.84%
Revenue NQ rev (3m)-1.09%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)0.53%
Valuation
Industry RankSector Rank
PE 8.38
Fwd PE 7.77
P/S 0.8
P/FCF 5.84
P/OCF 5.22
P/B 2.13
P/tB 2.28
EV/EBITDA 6.41
EPS(TTM)1.48
EY11.94%
EPS(NY)1.6
Fwd EY12.87%
FCF(TTM)2.12
FCFY17.11%
OCF(TTM)2.37
OCFY19.15%
SpS15.5
BVpS5.83
TBVpS5.43
PEG (NY)1.07
PEG (5Y)N/A
Graham Number13.93
Profitability
Industry RankSector Rank
ROA -13.3%
ROE -41.33%
ROCE 15.4%
ROIC 12.17%
ROICexc 14.41%
ROICexgc 14.81%
OM 17.32%
PM (TTM) N/A
GM 42.43%
FCFM 13.69%
ROA(3y)-23.94%
ROA(5y)-18.43%
ROE(3y)-59.08%
ROE(5y)-43.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.22%
GM growth 5YN/A
F-Score5
Asset Turnover0.86
Health
Industry RankSector Rank
Debt/Equity 1.64
Debt/FCF 4.5
Debt/EBITDA 3.11
Cap/Depr 64.98%
Cap/Sales 1.63%
Interest Coverage 250
Cash Conversion 77.26%
Profit Quality N/A
Current Ratio 4.07
Quick Ratio 4.07
Altman-Z 1.25
F-Score5
WACC9.31%
ROIC/WACC1.31
Cap/Depr(3y)180.79%
Cap/Depr(5y)346.68%
Cap/Sales(3y)2.58%
Cap/Sales(5y)2.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)126.91%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%111.25%
EPS Next Y7.82%
EPS Next 2Y28.08%
EPS Next 3Y51.35%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%16.46%
Revenue Next Year16.28%
Revenue Next 2Y15.43%
Revenue Next 3Y16.05%
Revenue Next 5YN/A
EBIT growth 1Y371.78%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year572.55%
EBIT Next 3Y111.32%
EBIT Next 5Y84.33%
FCF growth 1Y647%
FCF growth 3Y0.07%
FCF growth 5YN/A
OCF growth 1Y1761.03%
OCF growth 3Y10.12%
OCF growth 5YN/A

PAGAYA TECHNOLOGIES LTD -A / PGY FAQ

What is the ChartMill fundamental rating of PAGAYA TECHNOLOGIES LTD -A (PGY) stock?

ChartMill assigns a fundamental rating of 4 / 10 to PGY.


Can you provide the valuation status for PAGAYA TECHNOLOGIES LTD -A?

ChartMill assigns a valuation rating of 8 / 10 to PAGAYA TECHNOLOGIES LTD -A (PGY). This can be considered as Undervalued.


Can you provide the profitability details for PAGAYA TECHNOLOGIES LTD -A?

PAGAYA TECHNOLOGIES LTD -A (PGY) has a profitability rating of 2 / 10.


What is the earnings growth outlook for PAGAYA TECHNOLOGIES LTD -A?

The Earnings per Share (EPS) of PAGAYA TECHNOLOGIES LTD -A (PGY) is expected to grow by 7.82% in the next year.