NASDAQ
PGY
Last Price
US $18.27
KEY FIGURES
MKT CAP
$1.5B
EPS
TTM
$1.11
PEG
TTM
0.04x
P/E
TTM
16.41x
P/S
TTM
1.24x
YIELD
0.00%
GROWTH
Revenue Y/Y
68.91%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $18.27
122.50%
Default assumptions
EBITDA Multiple
Fair Value
Market $18.27
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Default assumptions
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Pagaya Technologies Ltd. cash flow to debt ratio of 27.80% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
Pagaya Technologies Ltd.'s free cash flow has increased 419.18% from $43.28M last year to $224.72M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
Pagaya Technologies Ltd.'s debt to equity ratio is 1.75, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
Pagaya Technologies Ltd.'s debt has decreased relative to shareholder equity from 2.09 last year to 1.75 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Pagaya Technologies Ltd. has a net debt to EBITDA ratio of 7.63x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Pagaya Technologies Ltd. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Pagaya Technologies Ltd.'s profit margin has increased (-118.95%) in the last year from -39.96% to 7.57%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Pagaya Technologies Ltd.'s short-term assets of $1.45G exceed its short-term liabilities of $131.47M
Increasing performance - ROA.
Pagaya Technologies Ltd.'s return on assets of 5.96% is higher than the 5.00% threshold, indicating efficient asset utilization
Increasing performance - Absolute return on equity.
Pagaya Technologies Ltd.'s return on equity of 21.65%, is higher than 15.00%, indicating good performance
Increasing performance - Earnings quality.
Pagaya Technologies Ltd.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Decreasing performance - Earnings stability.
Pagaya Technologies Ltd. had positive net income in only 1.00 out of 5 years, indicating unstable earnings
Increasing performance - Free cash flow.
Pagaya Technologies Ltd. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Pagaya Technologies Ltd. has a free cash flow yield of 14.84%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Pagaya Technologies Ltd.'s yearly earnings has increased -120.28% since last year from $-401.41M to $81.39M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Pagaya Technologies Ltd.'s yearly revenue has increased 25.56% since last year from $1.00G to $1.26G, signaling increasing performance
Increasing performance - ROIC.
ROIC 18.13% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
Pagaya Technologies Ltd.'s 3-year revenue CAGR of 22.54% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Pagaya Technologies Ltd. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Decreasing performance - ROE consistency.
Pagaya Technologies Ltd. had positive ROE in only 1.00 out of 5 years, indicating inconsistent returns on equity
Undervalued - DCF valuation.
Pagaya Technologies Ltd. is undervalued relative to its fair value price of 40.65 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Pagaya Technologies Ltd. has an earnings yield of 6.09%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Pagaya Technologies Ltd. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Overvalued - EV/EBITDA.
Pagaya Technologies Ltd. has an EV/EBITDA ratio of 26.16x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings
Undervalued - PEG ratio value.
Pagaya Technologies Ltd. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Pagaya Technologies Ltd. has a price-to-book ratio of 2.69x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Pagaya Technologies Ltd. has a price-to-sales ratio of 1.24x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
21.65%
Return on equity
ROIC: 18.13%
Valuation History
15.4X
Price to Earnings
EV/EBITDA: 16.3X
Cash flow
Profit margin
41.76%
(FY vs FY)
Cash flow Y/Y
134.63%
(FY vs FY)
EARNINGS FV (GRAHAM)
Fair Value
Market $18.27
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Default assumptions
Base valuations use default assumptions. Customize in the Valuator.