PAGAYA TECHNOLOGIES LTD -A (PGY) Fundamental Analysis & Valuation

NASDAQ:PGY • IL0011858912

Current stock price

10.64 USD
-0.39 (-3.54%)
At close:
10.8 USD
+0.16 (+1.5%)
Pre-Market:

This PGY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. PGY Profitability Analysis

1.1 Basic Checks

  • In the past year PGY was profitable.
  • In the past year PGY had a positive cash flow from operations.
  • In the past 5 years PGY reported 4 times negative net income.
  • PGY had a positive operating cash flow in 4 of the past 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 2025 0 200M -200M -400M

1.2 Ratios

  • PGY has a better Return On Assets (5.00%) than 74.10% of its industry peers.
  • PGY has a Return On Equity of 15.16%. This is amongst the best in the industry. PGY outperforms 82.73% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 14.20%, PGY belongs to the top of the industry, outperforming 91.37% of the companies in the same industry.
Industry RankSector Rank
ROA 5%
ROE 15.16%
ROIC 14.2%
ROA(3y)-12.24%
ROA(5y)-17.91%
ROE(3y)-35.09%
ROE(5y)-41.13%
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 2025 0 -20 -40 -60 -80 -100

1.3 Margins

  • With a decent Profit Margin value of 5.94%, PGY is doing good in the industry, outperforming 66.55% of the companies in the same industry.
  • PGY's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 20.27%, PGY belongs to the best of the industry, outperforming 87.77% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PGY has remained more or less at the same level.
  • PGY's Gross Margin of 42.43% is on the low side compared to the rest of the industry. PGY is outperformed by 74.46% of its industry peers.
  • PGY's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 20.27%
PM (TTM) 5.94%
GM 42.43%
OM growth 3YN/A
OM growth 5Y-1.14%
PM growth 3YN/A
PM growth 5Y3.66%
GM growth 3Y2.18%
GM growth 5Y-3.39%
PGY Yearly Profit, Operating, Gross MarginsPGY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. PGY Health Analysis

2.1 Basic Checks

  • PGY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, PGY has more shares outstanding
  • The number of shares outstanding for PGY has been reduced compared to 5 years ago.
  • The debt/assets ratio for PGY is higher compared to a year ago.
PGY Yearly Shares OutstandingPGY Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B

2.2 Solvency

  • An Altman-Z score of 1.99 indicates that PGY is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With a Altman-Z score value of 1.99, PGY perfoms like the industry average, outperforming 56.47% of the companies in the same industry.
  • PGY has a debt to FCF ratio of 3.67. This is a good value and a sign of high solvency as PGY would need 3.67 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.67, PGY is in the better half of the industry, outperforming 60.79% of the companies in the same industry.
  • A Debt/Equity ratio of 1.62 is on the high side and indicates that PGY has dependencies on debt financing.
  • PGY's Debt to Equity ratio of 1.62 is on the low side compared to the rest of the industry. PGY is outperformed by 79.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.62
Debt/FCF 3.67
Altman-Z 1.99
ROIC/WACC1.78
WACC7.96%
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 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 3.00 indicates that PGY has no problem at all paying its short term obligations.
  • With a decent Current ratio value of 3.00, PGY is doing good in the industry, outperforming 74.10% of the companies in the same industry.
  • A Quick Ratio of 3.00 indicates that PGY has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 3.00, PGY is in the better half of the industry, outperforming 74.10% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3
Quick Ratio 3
PGY Yearly Current Assets VS Current LiabilitesPGY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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

9

3. PGY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 126.91% over the past year.
  • PGY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 59.53% yearly.
  • Looking at the last year, PGY shows a very strong growth in Revenue. The Revenue has grown by 26.07%.
  • The Revenue has been growing by 67.40% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)126.91%
EPS 3YN/A
EPS 5Y59.53%
EPS Q2Q%111.25%
Revenue 1Y (TTM)26.07%
Revenue growth 3Y20.22%
Revenue growth 5Y67.4%
Sales Q2Q%16.46%

3.2 Future

  • Based on estimates for the next years, PGY will show a very strong growth in Earnings Per Share. The EPS will grow by 25.44% on average per year.
  • PGY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.83% yearly.
EPS Next Y-16.52%
EPS Next 2Y8.85%
EPS Next 3Y25.44%
EPS Next 5YN/A
Revenue Next Year12.31%
Revenue Next 2Y13.25%
Revenue Next 3Y12.83%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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
PGY Yearly EPS VS EstimatesPGY Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 0 2 -2 -4

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Find the best growth stocksShow best growing peers

8

4. PGY Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.19, which indicates a rather cheap valuation of PGY.
  • Compared to the rest of the industry, the Price/Earnings ratio of PGY indicates a rather cheap valuation: PGY is cheaper than 92.45% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. PGY is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 8.61, the valuation of PGY can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, PGY is valued cheaply inside the industry as 86.69% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 22.42. PGY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.19
Fwd PE 8.61
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

  • Based on the Enterprise Value to EBITDA ratio, PGY is valued cheaper than 96.04% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, PGY is valued cheaper than 98.20% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.91
EV/EBITDA 4.99
PGY Per share dataPGY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • A more expensive valuation may be justified as PGY's earnings are expected to grow with 25.44% in the coming years.
PEG (NY)N/A
PEG (5Y)0.12
EPS Next 2Y8.85%
EPS Next 3Y25.44%

More info and screens

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

0

5. PGY Dividend Analysis

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

PGY Fundamentals: All Metrics, Ratios and Statistics

PAGAYA TECHNOLOGIES LTD -A

NASDAQ:PGY (3/20/2026, 8:16:50 PM)

Premarket: 10.8 +0.16 (+1.5%)

10.64

-0.39 (-3.54%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-09
Earnings (Next)05-05
Inst Owners62.52%
Inst Owner Change0%
Ins Owners2.45%
Ins Owner Change3.03%
Market Cap878.12M
Revenue(TTM)1.30B
Net Income(TTM)77.32M
Analysts84
Price Target28.1 (164.1%)
Short Float %21.13%
Short Ratio3.01
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)2
Avg EPS beat(2)14.59%
Min EPS beat(2)3.74%
Max EPS beat(2)25.43%
EPS beat(4)3
Avg EPS beat(4)41.55%
Min EPS beat(4)-6.37%
Max EPS beat(4)143.41%
EPS beat(8)3
Avg EPS beat(8)-1445.45%
EPS beat(12)3
Avg EPS beat(12)-992.63%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-3.11%
Min Revenue beat(2)-8.51%
Max Revenue beat(2)2.29%
Revenue beat(4)3
Avg Revenue beat(4)-0.75%
Min Revenue beat(4)-8.51%
Max Revenue beat(4)2.51%
Revenue beat(8)7
Avg Revenue beat(8)1.14%
Revenue beat(12)10
Avg Revenue beat(12)1.21%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-31.31%
PT rev (3m)-32.49%
EPS NQ rev (1m)-2.22%
EPS NQ rev (3m)-25.36%
EPS NY rev (1m)-22.57%
EPS NY rev (3m)-21.24%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-7.77%
Revenue NY rev (1m)-0.4%
Revenue NY rev (3m)-4.56%
Valuation
Industry RankSector Rank
PE 7.19
Fwd PE 8.61
P/S 0.67
P/FCF 3.91
P/OCF 3.68
P/B 1.72
P/tB 1.83
EV/EBITDA 4.99
EPS(TTM)1.48
EY13.91%
EPS(NY)1.24
Fwd EY11.61%
FCF(TTM)2.72
FCFY25.59%
OCF(TTM)2.89
OCFY27.17%
SpS15.77
BVpS6.18
TBVpS5.81
PEG (NY)N/A
PEG (5Y)0.12
Graham Number14.35
Profitability
Industry RankSector Rank
ROA 5%
ROE 15.16%
ROCE 17.98%
ROIC 14.2%
ROICexc 16.92%
ROICexgc 17.35%
OM 20.27%
PM (TTM) 5.94%
GM 42.43%
FCFM 17.27%
ROA(3y)-12.24%
ROA(5y)-17.91%
ROE(3y)-35.09%
ROE(5y)-41.13%
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 5Y7.25%
ROICexc growth 3YN/A
ROICexc growth 5Y6.72%
OM growth 3YN/A
OM growth 5Y-1.14%
PM growth 3YN/A
PM growth 5Y3.66%
GM growth 3Y2.18%
GM growth 5Y-3.39%
F-Score7
Asset Turnover0.84
Health
Industry RankSector Rank
Debt/Equity 1.62
Debt/FCF 3.67
Debt/EBITDA 2.8
Cap/Depr 46.22%
Cap/Sales 1.07%
Interest Coverage 250
Cash Conversion 81.19%
Profit Quality 290.62%
Current Ratio 3
Quick Ratio 3
Altman-Z 1.99
F-Score7
WACC7.96%
ROIC/WACC1.78
Cap/Depr(3y)77.53%
Cap/Depr(5y)280.27%
Cap/Sales(3y)1.94%
Cap/Sales(5y)2.04%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)126.91%
EPS 3YN/A
EPS 5Y59.53%
EPS Q2Q%111.25%
EPS Next Y-16.52%
EPS Next 2Y8.85%
EPS Next 3Y25.44%
EPS Next 5YN/A
Revenue 1Y (TTM)26.07%
Revenue growth 3Y20.22%
Revenue growth 5Y67.4%
Sales Q2Q%16.46%
Revenue Next Year12.31%
Revenue Next 2Y13.25%
Revenue Next 3Y12.83%
Revenue Next 5YN/A
EBIT growth 1Y294.71%
EBIT growth 3YN/A
EBIT growth 5Y65.49%
EBIT Next Year61.77%
EBIT Next 3Y29.61%
EBIT Next 5YN/A
FCF growth 1Y419.18%
FCF growth 3YN/A
FCF growth 5Y134.63%
OCF growth 1Y258.72%
OCF growth 3YN/A
OCF growth 5Y123.73%

PAGAYA TECHNOLOGIES LTD -A / PGY Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 6 / 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 5 / 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 decline by -16.52% in the next year.