Pagaya Technologies (PGY) Return on Sales [ROS] (2022 - 2026)
Pagaya Technologies' Return on Sales [ROS] came in at 28.82% for Q3 2026, up 5.99 percentage points from 22.83% a year earlier and up 1.49 percentage points from the prior quarter.
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Analysis
Pagaya Technologies (PGY) Return on Sales [ROS] (2022 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, Pagaya Technologies reported Return on Sales [ROS] of 26.43%, up 9.11 percentage points year-over-year; for FY2025, it came in at 20.27%, up 13.80 percentage points from FY2024.
- Return on Sales [ROS] has increased in each of the last three years, though with a five-year change of -1.19 percentage points (FY2020 to FY2025).
- Going back by year, Return on Sales [ROS] was 6.48% in FY2024 (+9.48 pp), -3.00% in FY2023 (+30.58 pp), -33.58% in FY2022 (-32.36 pp) and -1.22% in FY2021 (-22.69 pp).
- The Q3 2026 figure represents the highest quarterly Return on Sales [ROS] in data going back to Q2 2022.
- Year-over-year, Return on Sales [ROS] has increased for 11 consecutive quarters, with an average year-over-year change of +10.80 percentage points over the last eight quarters.
- The year-over-year gain in Return on Sales [ROS] has ranged between 5.99 percentage points (Q3 2026) and 77.73 percentage points (Q2 2023) over the last five years.
- Business Quant data shows PGY's Return on Sales [ROS] at 27.34% (Q2 2026), 25.16% (Q1 2026) and 23.81% (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROS (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 51.56 Bn | 23.34 Bn | 3.24 Bn | 6.38% |
| 2 | PayPal Holdings | 50.29 Bn | 8.99 Bn | - | 16.33% |
| 3 | Coinbase Global | 35.53 Bn | -4.11 Bn | - | 5.07% |
| 4 | Fiserv | 33.43 Bn | 30.64 Bn | 2.76 Bn | -105.74% |
| 5 | Corpay | 29.86 Bn | 18.68 Bn | - | 44.96% |
| 6 | Global Payments | 25.78 Bn | 604.58 Mn | 2.01 Bn | 7.45% |
| 7 | Guidewire Software | 13.57 Bn | 10.14 Bn | 269.68 Mn | 15.16% |
| 8 | Jack Henry & Associates | 12.44 Bn | 12.35 Bn | 273.85 Mn | 21.24% |
| 9 | Chime Financial | 11.95 Bn | 7.64 Bn | 646.07 Mn | 4.78% |
| 10 | Pagaya Technologies | 1.47 Bn | 418.52 Mn | 174.79 Mn | 28.82% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 28.82% |
| Jun 30, 2026 | 27.34% |
| Mar 31, 2026 | 25.16% |
| Dec 31, 2025 | 23.81% |
| Sep 30, 2025 | 22.83% |
| Jun 30, 2025 | 17.30% |
| Mar 31, 2025 | 16.44% |
| Dec 31, 2024 | 11.36% |
| Sep 30, 2024 | 8.70% |
| Jun 30, 2024 | 2.01% |
| Mar 31, 2024 | 3.14% |
| Dec 31, 2023 | 4.89% |
| Sep 30, 2023 | 0.08% |
| Jun 30, 2023 | -5.23% |
| Mar 31, 2023 | -13.38% |
| Jun 30, 2022 | -82.97% |
API Access
Pagaya Technologies Return on Sales [ROS] API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=return-on-sales-%5Bros%5D&ticker=PGY&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-sales-[ros]", "ticker": "PGY", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=return-on-sales-%5Bros%5D&ticker=PGY&period=max&api_key=YOUR_API_KEY");
const data = await res.json();