Pagaya Technologies Ltd Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $1.3B+32.0% YoYTTM through 30 Jun 2026
Net Income $240.9MTTM through 30 Jun 2026
Free Cash Flow $251.8MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| EBITDA Margin | 27.8% |
| Operating Margin | 25.2% |
| Net Margin | 18.2% |
Returns
16.4%ROE
6.0%ROA
36.3%ROIC
Balance Sheet Health
Debt / Equity1.56x
Current Ratio1.42x
Net Debt$552.4M
Cash & Equivalents$249.3M
Quality Metrics
Altman Z-Score1.90
Piotroski F-Score5 / 9
FCF Margin19.0%
Rule of 4029.9
Earnings-Beat Rate75.0%
Multi-Year Trend
RevenueFY2025: $1.3B
Diluted EPS$1.41TTMFY2025: $0.93
Dividend
No dividend
Capital Allocation
R&D Spend$70.6M
Capex Intensity1.0%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Single Segment | $1.3B | +25.5% | View detailsFor FY 2026, the company expects network volume to be between $11.45 billion and $13.0 billion. |
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