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Ratios
Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on Capital EmployedReturn on EquityReturn on Invested CapitalReturn on Sales

Pagaya Technologies (PGYWW) EBITDA Margin (2023 - 2025)

Pagaya Technologies (PGYWW) has disclosed EBITDA Margin for 3 consecutive years, with 22.08% as the latest value for Q4 2025.

  • On a quarterly basis, EBITDA Margin rose 1072.0% to 22.08% in Q4 2025 year-over-year; TTM through Dec 2025 was 20.27%, a 1369.0% increase, with the full-year FY2025 number at 20.27%, up 1380.0% from a year prior.
  • EBITDA Margin was 22.08% for Q4 2025 at Pagaya Technologies, down from 23.52% in the prior quarter.
  • In the past five years, EBITDA Margin ranged from a high of 23.52% in Q3 2025 to a low of 14.25% in Q1 2023.
  • A 3-year average of 7.63% and a median of 6.93% in 2023 define the central range for EBITDA Margin.
  • Biggest YoY gain for EBITDA Margin was 1750bps in 2024; the steepest drop was 647bps in 2024.
  • Pagaya Technologies' EBITDA Margin stood at 4.89% in 2023, then skyrocketed by 133bps to 11.36% in 2024, then skyrocketed by 94bps to 22.08% in 2025.
  • Per Business Quant, the three most recent readings for PGYWW's EBITDA Margin are 22.08% (Q4 2025), 23.52% (Q3 2025), and 18.19% (Q2 2025).