Pagaya Technologies Ltd.
PGYNasdaq
$17.15
↓ -1.9%Jul 17 close · end-of-day
Price
1Y↓ -27.1%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$1.7B
Enterprise Value
$1.3B
P/E
15.5
P/S
1.2
P/B
3.1
EV/EBITDA
4.2
PEG
—
FCF Yield
14.1%
Dividend Yield
—
Revenue (TTM)
$1.3B
Net Income (TTM)
$98.2M
Free Cash Flow (TTM)
$234.1M
Gross Margin
—
Operating Margin
22.3%
Net Margin
7.4%
ROE
18.6%
ROIC
140.0%
Debt / Equity
—
Net Cash
$317.8M
Return 1Y
-41.9%
Company profile
Pagaya Technologies Ltd. operates as a financial technology company in Israel, the United States, and the Cayman Islands. It develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include high-growth financial technology companies, incumbent financial institutions, auto finance providers, and brokers. The company was founded in 2016 and is headquartered in Tel Aviv, Israel.
- CEO
- Gal Krubiner
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 800
- Headquarters
- New York
- Website
- pagaya.com
Management & directors
- Das SanjivPresident
- Vieira CoryChief Accounting Officer
- Krubiner GalChief Executive Officer
- Perros EvangelosChief Financial Officer
- Rosen TamiChief Development Officer
- Pardo AvitalChief Technology Officer
- Yulzari YahavChief Business Officer
Roles derived from SEC Form 4 filings.
Earnings
PGY Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$317.9M↑ +9.6%
Diluted EPS$0.28↑ +180.0%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $99.0M | $474.6M | $748.9M | $812.1M | $1.0B | $1.3B |
| Gross profit | — | — | — | — | — | — |
| Operating income | $21.3M | -$5.8M | -$251.5M | -$24.4M | $66.8M | $263.8M |
| Net income | $14.5M | -$91.2M | -$302.3M | -$128.4M | -$401.4M | $81.4M |
| Diluted EPS | $0.02 | -$8.25 | -$8.22 | -$2.14 | -$5.66 | $0.93 |
| Operating cash flow | $4.3M | $49.8M | -$40.0M | -$21.7M | $47.8M | $238.6M |
| Free cash flow | $3.2M | $43.2M | -$62.4M | -$41.8M | $30.0M | $224.7M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | 21.5% | -1.2% | -33.6% | -3.0% | 6.5% | 20.3% |
| Net margin | 14.6% | -19.2% | -40.4% | -15.8% | -38.9% | 6.3% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $250.3M | $257.2M | $279.4M | $290.0M | $326.4M | $350.2M | $334.8M | $317.9M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | $5.0M | $22.4M | $31.7M | $47.7M | $56.5M | $80.0M | $79.7M | $80.0M |
| Net income | -$74.8M | -$67.5M | -$237.9M | $7.9M | $16.7M | $22.5M | $34.3M | $24.7M |
| Diluted EPS | -$1.04 | -$0.93 | -$3.36 | $0.10 | $0.20 | $0.23 | $0.40 | $0.28 |
| Operating cash flow | $9.3M | -$7.1M | $27.9M | $34.4M | $57.4M | $67.0M | $79.8M | $43.2M |
| Free cash flow | $4.9M | -$11.3M | $23.9M | $30.7M | $53.5M | $63.8M | $76.7M | $40.0M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | 2.0% | 8.7% | 11.4% | 16.4% | 17.3% | 22.8% | 23.8% | 25.2% |
| Net margin | -29.9% | -26.2% | -85.2% | 2.7% | 5.1% | 6.4% | 10.2% | 7.8% |
Company news
Jul 16, 2026
Jul 9, 2026
- 10d agoHow Investors Are Reacting To Pagaya Technologies (PGY) Expanding AI Underwriting Into Travel-Focused BNPLfinance.yahoo.com
- 11d agoIs Pagaya Technologies (PGY) Still Cheap As Its Upgrade Flex Pay Expansion Draws Attention?finance.yahoo.com
- 11d agoPagaya Announces Timing of Second Quarter 2026 Earnings Releasefinance.yahoo.com
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-25 | Das Sanjiv· President | Sale | 14,000 | $15.83 | $221,620.00 | filing |
| 2026-06-25 | Vieira Cory· Chief Accounting Officer | Sale | 1,458 | $15.83 | $23,080.14 | filing |
| 2026-06-25 | Vieira Cory· Chief Accounting Officer | Option exercise | 3,572 | $0.00 | $0.00 | filing |
| 2026-06-25 | Das Sanjiv· President | Option exercise | 25,000 | $0.00 | $0.00 | filing |
| 2026-06-24 | Krubiner Gal· Chief Executive Officer | Buy | 16,230 | $15.43 | $250,467.85 | filing |
| 2026-06-22 | Rosen Tami | Sale | 9,944 | $15.20 | $151,131.90 | filing |
| 2026-06-12 | Das Sanjiv· President | Sale | 13,309 | $16.23 | $216,005.07 | filing |
| 2026-06-12 | Perros Evangelos | Sale | 11,558 | $16.23 | $187,586.34 | filing |
| 2026-06-12 | Rosen Tami | Sale | 5,681 | $16.23 | $92,202.63 | filing |
| 2026-06-12 | Perros Evangelos | Option exercise | 20,625 | $0.00 | $0.00 | filing |
| 2026-06-12 | Das Sanjiv· President | Option exercise | 23,750 | $0.00 | $0.00 | filing |
| 2026-06-12 | Rosen Tami | Option exercise | 15,625 | $0.00 | $0.00 | filing |
| 2026-06-02 | Krubiner Gal· Chief Executive Officer | Buy | 16,600 | $15.09 | $250,550.44 | filing |
| 2026-06-02 | Vieira Cory· Chief Accounting Officer | Sale | 2,140 | $15.01 | $32,121.40 | filing |
| 2026-06-02 | Vieira Cory· Chief Accounting Officer | Option exercise | 5,208 | $0.00 | $0.00 | filing |
| 2026-04-17 | Rosen Tami | Sale | 9,720 | $15.14 | $147,160.80 | filing |
| 2026-04-01 | Perros Evangelos· Chief Financial Officer | Sale | 13,004 | $11.34 | $147,465.36 | filing |
| 2026-04-01 | Perros Evangelos· Chief Financial Officer | Option exercise | 22,766 | $0.00 | $0.00 | filing |
| 2026-03-12 | Das Sanjiv· President | Sale | 9,702 | $10.99 | $106,624.98 | filing |
| 2026-03-12 | Perros Evangelos· Chief Financial Officer | Sale | 8,425 | $10.99 | $92,590.75 | filing |
| 2026-03-12 | Rosen Tami· Chief Development Officer | Sale | 5,905 | $10.99 | $64,895.95 | filing |
| 2026-03-12 | Perros Evangelos· Chief Financial Officer | Option exercise | 20,625 | $0.00 | $0.00 | filing |
| 2026-03-12 | Das Sanjiv· President | Option exercise | 23,750 | $0.00 | $0.00 | filing |
| 2026-03-12 | Rosen Tami· Chief Development Officer | Option exercise | 15,625 | $0.00 | $0.00 | filing |
| 2026-03-02 | Vieira Cory· Chief Accounting Officer | Sale | 2,490 | $10.92 | $27,190.80 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.