Pagaya Technologies Ltd.

NasdaqCM:PGY Stock Report

Market Cap: US$921.8m

Pagaya Technologies Balance Sheet Health

Financial Health criteria checks 4/6

Pagaya Technologies has a total shareholder equity of $585.5M and total debt of $824.3M, which brings its debt-to-equity ratio to 140.8%. Its total assets and total liabilities are $1.5B and $960.5M respectively.

Key information

140.79%

Debt to equity ratio

US$824.27m

Debt

Interest coverage ration/a
CashUS$1.18b
EquityUS$585.45m
Total liabilitiesUS$960.46m
Total assetsUS$1.55b

Recent financial health updates

Is Pagaya Technologies (NASDAQ:PGY) Using Too Much Debt?

Jan 22
Is Pagaya Technologies (NASDAQ:PGY) Using Too Much Debt?

Recent updates

Pagaya Technologies Ltd.'s (NASDAQ:PGY) 28% Dip In Price Shows Sentiment Is Matching Revenues

Feb 09
Pagaya Technologies Ltd.'s (NASDAQ:PGY) 28% Dip In Price Shows Sentiment Is Matching Revenues

Pagaya's Selloff Looks Detached From Reality

Dec 19

Positive Sentiment Still Eludes Pagaya Technologies Ltd. (NASDAQ:PGY) Following 29% Share Price Slump

Oct 16
Positive Sentiment Still Eludes Pagaya Technologies Ltd. (NASDAQ:PGY) Following 29% Share Price Slump

The Market Lifts Pagaya Technologies Ltd. (NASDAQ:PGY) Shares 27% But It Can Do More

Aug 31
The Market Lifts Pagaya Technologies Ltd. (NASDAQ:PGY) Shares 27% But It Can Do More

Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Leap 27% Yet They're Still Not Telling The Full Story

Jul 07
Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Leap 27% Yet They're Still Not Telling The Full Story
User avatar

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.

A Piece Of The Puzzle Missing From Pagaya Technologies Ltd.'s (NASDAQ:PGY) 56% Share Price Climb

May 22
A Piece Of The Puzzle Missing From Pagaya Technologies Ltd.'s (NASDAQ:PGY) 56% Share Price Climb

Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Bounce 74% But Its Business Still Trails The Industry

Feb 15
Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Bounce 74% But Its Business Still Trails The Industry

Pagaya: 2025 Will Be A Year Of Clarity, Strong Buy

Jan 24

Is Pagaya Technologies (NASDAQ:PGY) Using Too Much Debt?

Jan 22
Is Pagaya Technologies (NASDAQ:PGY) Using Too Much Debt?

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 ef

Pagaya Technologies Ltd. (NASDAQ:PGY) Just Reported, And Analysts Assigned A US$20.75 Price Target

Nov 15
Pagaya Technologies Ltd. (NASDAQ:PGY) Just Reported, And Analysts Assigned A US$20.75 Price Target

Pagaya Technologies Ltd.'s (NASDAQ:PGY) Price Is Right But Growth Is Lacking After Shares Rocket 28%

Nov 08
Pagaya Technologies Ltd.'s (NASDAQ:PGY) Price Is Right But Growth Is Lacking After Shares Rocket 28%

Pagaya Technologies (NASDAQ:PGY) May Have Issues Allocating Its Capital

Oct 24
Pagaya Technologies (NASDAQ:PGY) May Have Issues Allocating Its Capital

Pagaya Technologies: The Writing Is On The Wall (Rating Downgrade)

Sep 26

Little Excitement Around Pagaya Technologies Ltd.'s (NASDAQ:PGY) Revenues

Sep 18
Little Excitement Around Pagaya Technologies Ltd.'s (NASDAQ:PGY) Revenues

Financial Position Analysis

Short Term Liabilities: PGY's short term assets ($1.4B) exceed its short term liabilities ($107.3M).

Long Term Liabilities: PGY's short term assets ($1.4B) exceed its long term liabilities ($853.1M).

Debt to Equity History and Analysis

Debt Level: PGY has more cash than its total debt.

Reducing Debt: PGY's debt to equity ratio has increased from 0% to 140.8% over the past 5 years.

Debt Coverage: PGY's debt is well covered by operating cash flow (28.9%).

Interest Coverage: Insufficient data to determine if PGY's interest payments on its debt are well covered by EBIT.

Balance Sheet

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/03/29 14:37
End of Day Share Price 2026/03/27 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Pagaya Technologies Ltd. is covered by 13 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mark PalmerBenchmark Company
Michael LeggBenchmark Company
Harold GoetschB. Riley Securities, Inc.