NCM · Software - Infrastructure

PGY (PGY) Stock

$16.86 -0.56% NCM: PGY Technology

Valuation

MetricValue
Price$16.86
Market Cap$1.40B
P/E Ratio13.68
P/B Ratio2.20
P/S Ratio0.82
EPS (TTM)$0.93
52-Week High$44.99
52-Week Low$10.40
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE16.88%
ROA5.24%
ROCE40.36%
Gross Margin17.68%
Operating Margin17.76%
Net Margin7.57%
Debt/Equity1.81
Current Ratio5.59

Annual Financials (USD)

Metric20212022202320242025
Revenue$446.0M$685.0M$773.0M$1.0B$1.3B
Operating Profit$-6.0M$-252.0M$-24.0M$67.0M$224.0M
Net Profit$-91.0M$-302.0M$-128.0M$-401.0M$81.0M
EPS$-4.27$-7.65$-2.14$-5.66$0.93
Op Margin-1.3%-36.7%-3.2%6.7%17.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$590.0M$1.0B$1.2B$1.3B$1.5B
Total Liabilities$106.0M$280.0M$543.0M$850.0M$991.0M
Cash$191.0M$310.0M$186.0M$188.0M$288.0M
Borrowings$38.0M$212.0M$413.0M$681.0M$923.0M

Latest News

Pagaya Closes $750 Million Auto ABS Transaction, Its Largest to Date Business Wire · Jul 16, 2026 Pagaya Technologies Ltd. (PGY) Stock Falls Amid Market Uptick: What Investors Need to Know Zacks · Jul 15, 2026 Pagaya Technologies (PGY) Stock Still Looks Cheap Despite Fresh AI Credit Expansion News Simply Wall St. · Jul 10, 2026 How Investors Are Reacting To Pagaya Technologies (PGY) Expanding AI Underwriting Into Travel-Focused BNPL Simply Wall St. · Jul 9, 2026 Is Pagaya Technologies (PGY) Still Cheap As Its Upgrade Flex Pay Expansion Draws Attention? Simply Wall St. · Jul 9, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$50.0M$-40.0M$10.0M$67.0M$239.0M
Investing Cash Flow$-147.0M$-182.0M$-433.0M$-522.0M$-324.0M
Financing Cash Flow$79.0M$-143.0M$-20.0M$41.0M$-26.0M
Net Cash Flow$199.0M$135.0M$-115.0M$4.0M$82.0M
Free Cash Flow$43.0M$-62.0M$-11.0M$43.0M$225.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA6.65
FCF Yield21.95%
Quick Ratio1.63
Interest Coverage—
Return 1Y-51.66%
Return 3Y-29.43%
Return 5Y-84.24%

Ownership

Insiders Held9.17%
Institutions Held54.16%
Institutions Float Held59.62%
Institutional HolderSharesReport Date
Viola Ventures V.c. Management 4 Ltd. 98,109,3292023-12-31
Clal Insurance Enterprises Holdings Ltd21,469,1352023-12-31
Millennium Management Llc5,934,0082023-12-31
Nuveen Asset Management, LLC5,589,3522023-12-31
Ejf Capital Llc5,555,4292023-12-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CSGSCSG Systems International, Inc. $80.69 +0.00% 40.75 $2.30B 0.00%
CXM $6.40 +1.43% 58.56 $1.58B 0.00%
EVCM $11.79 -1.53% 101.60 $2.09B 0.00%
EVTC $32.55 +4.63% 11.05 $2.01B 0.82%
FIVN $27.59 +1.73% 31.89 $2.11B 0.00%

About PGY

PGY is led by CEO Gal Krubiner, publicly traded since 2021.

PGY stock trades at $16.86 with a market capitalization of $1.40B. The stock is valued at a price-to-earnings (P/E) ratio of 13.68, price-to-book of 2.20, price-to-sales of 0.82. Over the past 52 weeks the stock has ranged between $10.40 and $44.99, and currently trades 62.5% below its 52-week high.

On profitability, PGY generates a return on equity (ROE) of 16.88%, above the typical market average, return on capital employed of 40.36%, an operating margin of 17.76%, a net profit margin of 7.57%.

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