20.87 USD
-1.12 (-5.09%)
20.92 USD
+0.05 (+0.24%)
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 is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
- PGY had negative earnings in the past year.
- PGY had a positive operating cash flow in the past year.
- 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.
1.2 Ratios
- Looking at the Return On Assets, with a value of -13.30%, PGY is doing worse than 68.95% of the companies in the same industry.
- With a Return On Equity value of -41.33%, PGY is not doing good in the industry: 67.87% of the companies in the same industry are doing better.
- PGY has a better Return On Invested Capital (12.17%) than 88.45% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With an excellent Operating Margin value of 17.32%, PGY belongs to the best of the industry, outperforming 83.75% of the companies in the same industry.
- With a Gross Margin value of 42.43%, PGY is not doing good in the industry: 74.73% of the companies in the same industry are doing better.
- PGY's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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
2. Health
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.
- PGY has more shares outstanding than it did 1 year ago.
- The debt/assets ratio for PGY is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.64, we must say that PGY is in the distress zone and has some risk of bankruptcy.
- PGY's Altman-Z score of 1.64 is in line compared to the rest of the industry. PGY outperforms 44.77% of its industry peers.
- PGY has a debt to FCF ratio of 4.50. This is a neutral value as PGY would need 4.50 years to pay back of all of its debts.
- PGY has a Debt to FCF ratio of 4.50. This is comparable to the rest of the industry: PGY outperforms 59.57% of its industry peers.
- PGY has a Debt/Equity ratio of 1.64. This is a high value indicating a heavy dependency on external financing.
- PGY's Debt to Equity ratio of 1.64 is on the low side compared to the rest of the industry. PGY is outperformed by 81.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | 4.5 | ||
| Altman-Z | 1.64 |
ROIC/WACC1.33
WACC9.14%
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.
- PGY's Current ratio of 4.07 is amongst the best of the industry. PGY outperforms 81.95% of its industry peers.
- PGY has a Quick Ratio of 4.07. This indicates that PGY is financially healthy and has no problem in meeting its short term obligations.
- PGY has a better Quick ratio (4.07) than 81.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.07 | ||
| Quick Ratio | 4.07 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 18.11% over the past year.
- Looking at the last year, PGY shows a very strong growth in Revenue. The Revenue has grown by 28.33%.
- The Revenue has been growing by 29.57% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)18.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%124.73%
Revenue 1Y (TTM)28.33%
Revenue growth 3Y29.57%
Revenue growth 5YN/A
Sales Q2Q%36.13%
3.2 Future
- The Earnings Per Share is expected to grow by 34.58% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 20.48% on average over the next years. This is a very strong growth
EPS Next Y116.16%
EPS Next 2Y51.17%
EPS Next 3Y34.58%
EPS Next 5YN/A
Revenue Next Year29.28%
Revenue Next 2Y23.11%
Revenue Next 3Y20.48%
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.
- The Price/Forward Earnings ratio is 13.30, which indicates a correct valuation of PGY.
- Based on the Price/Forward Earnings ratio, PGY is valued cheaply inside the industry as 81.95% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.94, PGY is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.3 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PGY is valued cheaper than 89.53% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, PGY is valued cheaper than 92.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.84 | ||
| EV/EBITDA | 9.01 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- PGY's earnings are expected to grow with 34.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y51.17%
EPS Next 3Y34.58%
5. Dividend
5.1 Amount
- No dividends for PGY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
20.87
-1.12 (-5.09%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-10 2025-11-10/bmo
Earnings (Next)02-09 2026-02-09/amc
Inst Owners61.52%
Inst Owner Change0%
Ins Owners2.43%
Ins Owner Change5%
Market Cap1.68B
Revenue(TTM)1.25B
Net Income(TTM)-193.59M
Analysts84.29
Price Target41.31 (97.94%)
Short Float %19.54%
Short Ratio3.37
Dividend
| Industry Rank | Sector 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)-0.74%
PT rev (3m)0%
EPS NQ rev (1m)1.44%
EPS NQ rev (3m)16.75%
EPS NY rev (1m)0%
EPS NY rev (3m)16.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.3 | ||
| P/S | 1.35 | ||
| P/FCF | 9.84 | ||
| P/OCF | 8.79 | ||
| P/B | 3.58 | ||
| P/tB | 3.84 | ||
| EV/EBITDA | 9.01 |
EPS(TTM)-2.08
EYN/A
EPS(NY)1.57
Fwd EY7.52%
FCF(TTM)2.12
FCFY10.17%
OCF(TTM)2.37
OCFY11.38%
SpS15.5
BVpS5.83
TBVpS5.43
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.64 |
F-Score5
WACC9.14%
ROIC/WACC1.33
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)18.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%124.73%
EPS Next Y116.16%
EPS Next 2Y51.17%
EPS Next 3Y34.58%
EPS Next 5YN/A
Revenue 1Y (TTM)28.33%
Revenue growth 3Y29.57%
Revenue growth 5YN/A
Sales Q2Q%36.13%
Revenue Next Year29.28%
Revenue Next 2Y23.11%
Revenue Next 3Y20.48%
Revenue Next 5YN/A
EBIT growth 1Y371.78%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year570.74%
EBIT Next 3Y112.01%
EBIT Next 5YN/A
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 6 / 10 to PAGAYA TECHNOLOGIES LTD -A (PGY). This can be considered as Fairly Valued.
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 116.16% in the next year.