Pagaya Technologies 과거 순이익 실적
과거 기준 점검 2/6
Pagaya Technologies은 연평균 1.2%의 비율로 수입이 증가해 온 반면, Software 산업은 수입이 22.4% 증가했습니다. 매출은 연평균 25.5%의 비율로 증가했습니다. Pagaya Technologies의 자기자본이익률은 14.8%이고 순이익률은 7.1%입니다.
핵심 정보
1.17%
순이익 성장률
25.82%
주당순이익(EPS) 성장률
| Software 산업 성장률 | 17.33% |
| 매출 성장률 | 25.51% |
| 자기자본이익률 | 14.79% |
| 순이익률 | 7.07% |
| 최근 순이익 업데이트 | 31 Mar 2026 |
최근 과거 실적 업데이트
Recent updates
내러티브 업데이트 • May 18
PGY: New Partnerships And AI Underwriting Adoption Will Support Bullish Upside
Analysts have adjusted their price target on Pagaya Technologies to $26.90 from $26.45, citing updated assumptions around discount rate, revenue growth, profit margin, and future P/E as key inputs in their revised valuation work. What's in the News Pagaya and Experian agreed to embed Pagaya's AI driven lending technology into Experian Marketplace, aiming to provide real time underwriting recommendations and credit opportunities to qualified consumers across the credit spectrum through personal loan offerings (Key Developments).
새로운 내러티브 • May 09
PGY may go up in next 6-12 months.
Pagaya Technologies (NASDAQ: PGY) — Investment Thesis Pagaya Technologies is not a software company. This distinction is the foundation of the entire investment case and is widely misunderstood by the market.
내러티브 업데이트 • May 02
PGY: Execution On Platform Relationships Will Support 2026 Earnings Guidance Upside Potential
Narrative update on Pagaya Technologies Pagaya Technologies' consensus analyst price target has been revised lower by multiple firms, with reductions such as $5, $7, $8, $13 and $15. Analysts are reassessing assumptions around discount rates, revenue growth, profit margins and future P/E levels while maintaining a fair value estimate of $33.00.내러티브 업데이트 • Apr 18
PGY: Long Term Earnings Guidance Will Support Bullish Upside Thesis
Analysts have reduced their average price targets on Pagaya Technologies by $11.73 to $26.45, reflecting updated views on revenue growth, discount rates and profit expectations following a series of recent target cuts alongside one bullish initiation. Analyst Commentary Recent Street research points to a cluster of target reductions for Pagaya Technologies alongside one new bullish initiation, giving you a mixed but useful read on how the Street is recalibrating expectations around growth, profitability and risk.내러티브 업데이트 • Apr 03
PGY: Execution On Platform Relationships Will Drive Future Upside Potential
Pagaya Technologies' updated analyst price target has been reduced by $7 to $33, as several firms reassessed their views on the stock. Analysts cited recent sector research, while one new bullish initiation at Freedom Capital highlights ongoing interest in the name.
내러티브 업데이트 • Mar 20
PGY: Reset Expectations And 2026 Guidance Will Support A Rebound
Pagaya Technologies' analyst price targets have been reset lower, with the fair value estimate moving from $27.00 to $20.00 as analysts factor in updated assumptions on required returns, growth, margins and future P/E. Analyst Commentary Recent Street research on Pagaya Technologies has featured a series of lower price targets, with multiple bearish analysts trimming their fair value estimates by mid single digit to mid teens dollar amounts.내러티브 업데이트 • Mar 05
PGY: Reset Risk Assumptions And New Partnership Will Support Future Upside
Narrative Update: Pagaya Technologies The consolidated analyst price target for Pagaya Technologies has been reduced by a double digit dollar amount, as several firms cut their targets by $5 to $15 while emphasizing updated risk assumptions alongside steady model inputs for fair value, revenue growth, profit margins, and future P/E expectations. Analyst Commentary Recent Street research on Pagaya Technologies has centered on adjustments to price targets, with several firms revising their numbers while keeping core views on fair value drivers largely intact.내러티브 업데이트 • Feb 19
PGY: Reset Expectations And New Partnership Will Support Future Upside Potential
Analysts have cut their average price target for Pagaya Technologies from $54.00 to $33.00, citing more cautious assumptions on fair value, discount rate, revenue growth, and profit margin following a series of recent target reductions across the Street research community. Analyst Commentary Recent research has centered on recalibrating Pagaya Technologies price targets, with multiple firms revisiting their assumptions on fair value, discount rates, revenue growth, and margins.분석 기사 • Feb 09
Pagaya Technologies Ltd.'s (NASDAQ:PGY) 28% Dip In Price Shows Sentiment Is Matching Revenues
Pagaya Technologies Ltd. ( NASDAQ:PGY ) shareholders that were waiting for something to happen have been dealt a blow...내러티브 업데이트 • Feb 05
PGY: Raised Earnings Outlook And New Partnership Will Support Bullish Thesis
Narrative Update on Pagaya Technologies Analysts have trimmed their price target on Pagaya Technologies from about $40.50 to roughly $38.18, citing updated views on fair value, a higher discount rate, slightly softer revenue growth and margin expectations, and a higher future P/E assumption. Analyst Commentary Analysts reviewing Pagaya Technologies have shared a mix of optimism and caution as they reassess fair value, execution risks, and the revised P/E framework behind the updated target price near US$38.18.Seeking Alpha • Dec 19
Pagaya's Selloff Looks Detached From Reality
Summary I see Pagaya Technologies' selloff as a credit-fear overreaction, not a fundamentals-driven mispricing. PGY’s Q3 2025 results showed $350M revenue (+36% YoY), improved margins, and its third consecutive GAAP net income quarter. Operating leverage is real: adjusted EBITDA hit $107M (30.6% margin vs. 21.8% prior), and GAAP net income was +$23M, third straight profitable quarter. Diversification reduces single-lane risk: POS and auto are ~32% of volume versus 9% last year, while partner stickiness improves via multi-product adoption. Valuation looks compressed at ~7.1x 2025 EPS and <6.9x 2026; my scenario yields a $51 target (~131% upside), but onboarding/delinquency risks remain. Read the full article on Seeking Alpha분석 기사 • Oct 16
Positive Sentiment Still Eludes Pagaya Technologies Ltd. (NASDAQ:PGY) Following 29% Share Price Slump
The Pagaya Technologies Ltd. ( NASDAQ:PGY ) share price has softened a substantial 29% over the previous 30 days...분석 기사 • Aug 31
The Market Lifts Pagaya Technologies Ltd. (NASDAQ:PGY) Shares 27% But It Can Do More
Despite an already strong run, Pagaya Technologies Ltd. ( NASDAQ:PGY ) shares have been powering on, with a gain of 27...내러티브 업데이트 • Aug 10
Advanced AI Underwriting And Embedded Finance Will Open Markets
Analysts have raised their price target for Pagaya Technologies to $38.00, citing robust EBITDA margins driven by strong unit economics, rapid expansion via its integrated B2B2C model, and demonstrated success diversifying into new underwriting verticals. Analyst Commentary Exceptional unit economics and operating leverage are resulting in strong EBITDA margins.분석 기사 • Jul 07
Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Leap 27% Yet They're Still Not Telling The Full Story
Despite an already strong run, Pagaya Technologies Ltd. ( NASDAQ:PGY ) shares have been powering on, with a gain of 27...새로운 내러티브 • May 28
Digital Transformation And AI Will Broaden Lending Channels
AI-enhanced products, network effects, and diversified asset classes support sustained revenue growth and improved margins amid ongoing digital transformation in the lending sector.분석 기사 • May 22
A Piece Of The Puzzle Missing From Pagaya Technologies Ltd.'s (NASDAQ:PGY) 56% Share Price Climb
Those holding Pagaya Technologies Ltd. ( NASDAQ:PGY ) shares would be relieved that the share price has rebounded 56...분석 기사 • Feb 15
Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Bounce 74% But Its Business Still Trails The Industry
The Pagaya Technologies Ltd. ( NASDAQ:PGY ) share price has done very well over the last month, posting an excellent...Seeking Alpha • Jan 24
Pagaya: 2025 Will Be A Year Of Clarity, Strong Buy
Summary With its unique investor network, Pagaya is all set to scale its business by approving more loans through its lending partners. Even with the most conservative valuation of its share price, Pagaya remains significantly undervalued. The bearish market stems from Pagaya's issues with credit impairments. Something that management say will improve going forward. Point-of-sale remains a hyper-growth market for Pagaya with key lending partners like fintech bank Klarna. Read the full article on Seeking Alpha분석 기사 • Jan 22
Is Pagaya Technologies (NASDAQ:PGY) Using Too Much Debt?
Howard Marks put it nicely when he said that, rather than worrying about share price volatility, 'The possibility of...새로운 내러티브 • Jan 02
PGY is a Buy
Core Product: Pagaya’s AI-powered platform for financial underwriting and risk assessment is a key driver of revenue. As financial institutions increasingly adopt AI solutions for more accurate and ef분석 기사 • Nov 15
Pagaya Technologies Ltd. (NASDAQ:PGY) Just Reported, And Analysts Assigned A US$20.75 Price Target
There's been a major selloff in Pagaya Technologies Ltd. ( NASDAQ:PGY ) shares in the week since it released its...분석 기사 • Nov 08
Pagaya Technologies Ltd.'s (NASDAQ:PGY) Price Is Right But Growth Is Lacking After Shares Rocket 28%
Pagaya Technologies Ltd. ( NASDAQ:PGY ) shareholders are no doubt pleased to see that the share price has bounced 28...분석 기사 • Oct 24
Pagaya Technologies (NASDAQ:PGY) May Have Issues Allocating Its Capital
If we want to find a stock that could multiply over the long term, what are the underlying trends we should look for...매출 및 비용 세부 내역
매출 및 비용 세부 내역
Pagaya Technologies가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.
순이익 및 매출 추이
| 날짜 | 매출 | 순이익 | 일반관리비 | 연구개발비 |
|---|---|---|---|---|
| 31 Mar 26 | 1,329 | 94 | 202 | 72 |
| 31 Dec 25 | 1,301 | 77 | 213 | 75 |
| 30 Sep 25 | 1,246 | -194 | 234 | 75 |
| 30 Jun 25 | 1,153 | -282 | 252 | 73 |
| 31 Mar 25 | 1,077 | -373 | 274 | 77 |
| 31 Dec 24 | 1,032 | -401 | 291 | 77 |
| 30 Sep 24 | 971 | -178 | 276 | 76 |
| 30 Jun 24 | 925 | -132 | 271 | 77 |
| 31 Mar 24 | 871 | -89 | 261 | 73 |
| 31 Dec 23 | 812 | -128 | 253 | 74 |
| 30 Sep 23 | 787 | -148 | 269 | 80 |
| 30 Jun 23 | 779 | -201 | 305 | 101 |
| 31 Mar 23 | 765 | -351 | 399 | 148 |
| 31 Dec 22 | 749 | -315 | 398 | 151 |
| 30 Sep 22 | 711 | -297 | 418 | 142 |
| 30 Jun 22 | 643 | -255 | 346 | 116 |
| 31 Mar 22 | 553 | -116 | 215 | 70 |
| 31 Dec 21 | 475 | -134 | 182 | 66 |
| 30 Sep 21 | 356 | -116 | 97 | 55 |
| 30 Jun 21 | 256 | -80 | 74 | 46 |
| 31 Mar 21 | 178 | -38 | 45 | 29 |
| 31 Dec 20 | 99 | 5 | 16 | 12 |
| 31 Dec 19 | 36 | -8 | 7 | 5 |
양질의 수익: PGY는 $143.4M 규모의 큰 일회성 손실이 있어 31st March, 2026까지 지난 12개월 재무 결과에 영향을 미쳤습니다.
이익 마진 증가: PGY는 과거에 흑자전환했습니다.
잉여현금흐름 대비 순이익 분석
과거 순이익 성장 분석
수익추이: PGY는 지난 5년 동안 흑자전환하며 연평균 1.2%의 수익 성장을 기록했습니다.
성장 가속화: PGY는 지난해 흑자전환하여 5년 평균과 수익 성장률을 비교하기 어렵습니다.
수익 대 산업: PGY는 지난해 흑자전환하여 지난 해 수익 성장률을 Software 업계(11.7%)와 비교하기 어렵습니다.
자기자본이익률
높은 ROE: PGY의 자본 수익률(14.8%)은 낮음으로 평가됩니다.
총자산이익률
투하자본수익률
우수한 과거 실적 기업을 찾아보세요
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/20 11:35 |
| 종가 | 2026/05/20 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
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| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
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* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
Pagaya Technologies Ltd.는 11명의 분석가가 다루고 있습니다. 이 중 10명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Mark Palmer | Benchmark Company |
| Michael Legg | Benchmark Company |
| Harold Goetsch | B. Riley Securities, Inc. |