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/PGY
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Pagaya Technologies Ltd

Pagaya Technologies Ltd

PGY
$19.97USD-1.63%-0.33 today

MARKET CAP

1.7B

P/E (TTM)

18.3x

FWD P/E

DAY RANGE

$20 – $21

52W RANGE

$10
$45

AI Summary

Stalk
Sell NowMedium

PGY is in a clear markdown regime following a decisive support failure, with both intermediate and long-term trends bearish. The recent rebound into the broken support zone and rolling EMAs offers a favorable execution zone to engage the downside. With no oversold exhaustion evident and volume confirming selling pressure, Sell Now into resistance, watching for continuation of the markdown.

  • Q2 2025 revenue grew 30% YoY to $326M; adj. EBITDA rose 72% to $86M (26.4% margin)
  • Full-year network volume guidance lifted to $10.5–11.5B and adj. EBITDA to $420–460M
  • Volatility remains extreme, reflecting rate risks and price swings
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$685.4M$772.8M$1.0B$1.3B
YoY %+12.8%+30.0%+25.6%
P / Sales0.7x1.2x0.7x1.4x
EV / Sales0.7x1.6x1.2x2.0x
Gross Profit, Adj.$234.3M$263.9M$406.9M$512.2M
YoY %+12.6%+54.2%+25.9%
Margin %34.2%34.1%40.5%40.6%
EV / Gross Profit2.0x4.6x3.1x4.8x
EBITDA, Adj.$-308.7M$-44.5M$71.6M$265.1M
YoY %+85.6%+260.9%+270.1%
Margin %-45.0%-5.8%7.1%21.0%
EV / EBITDA-1.5x-27.3x17.4x9.3x
EBIT$-315.0M$-63.6M$39.1M$223.8M
YoY %+79.8%+161.5%+471.8%
Margin %-46.0%-8.2%3.9%17.7%
EV / EBIT-1.5x-19.1x31.8x11.0x
Net Income$-314.5M$-128.4M$-401.4M$77.3M
YoY %+59.2%-212.5%+119.3%
Net Margin-45.9%-16.6%-40.0%6.1%
EPS (GAAP)-$8.22-$2.14-$5.66$0.93
YoY %+74.0%-164.5%+116.4%