Pagaya Technologies

NAQ:PGY · IL0011858912

SoftwareMedium

360

Value75

Profit price70

EV / EBIT100

Price / Owner Earnings40

Cash yield46

Owner Earnings Yield90

Dividend Yield1

Sales & asset price76

Price/Sales76

EV / Gross Profit96

Price/Book56

Quality54

Returns on capital69

Return on Capital79

Cash Return on Capital55

Return on Equity74

Profit margins65

EBIT Margin87

Gross Profitability42

Cash backing40

Cash Conversion76

Accruals9

Owner Earnings Margin34

Growth66

Sales growth77

Profit growth93

Profit Growth85

Long-Term EPS Growth100

Reinvestment51

Price momentum40

Safety53

Debt load7

Debt serviceability94

Refinancing88

Debt Payback100

Liquidity83

Sentiment59

Analyst ratings67

Expectations trend71

Opinion Changes50

Price Target Upside92

Market mood45

Value Creation20/20strong value creator

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Pagaya Technologies generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryIsrael

IndustrySoftware

SizeMedium

TypePublic Company

ExchangeNASDAQCM

Employees432

Websitepagaya.com

ISINIL0011858912

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Themes

Machine LearningProcess AutomationFintechCustomer AnalyticsSoftware DevelopmentData IntegrationArtificial Intelligence

Description

Pagaya Technologies Ltd., a product-focused technology company, deploys sophisticated data science and proprietary, AI-powered technology to enable better outcomes for financial institutions, existing and potential customers, and institutional or sop…

Analysis

Bargain bin

Pagaya Technologies Ltd. is priced cheaply, and that invites the natural question of why, since the underlying business scores below average. Worth noting: the cash the business generates has lagged behind what the income statement shows.

On valuation, the picture is fair. The owner-earnings multiple stands at 17.3×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 4% a year, against analyst forecasts of 123%. The price, in other words, assumes less than the experts do.

Growth is solid; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator.

Flags to be aware of: Some accounting patterns deserve a closer look. Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →