Pagaya Technologies Growth Metrics (2021-2025) | PGY

Growth Metrics Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Growth Ratios
Assets Growth (1y) 77.05%18.25%16.26%15.63%37.03%22.40%12.34%6.84%-13.81%-3.71%6.17%
Assets Growth (3y) 29.81%11.70%11.51%
Assets (QoQ) 4.55%-0.43%3.57%9.68%2.79%-0.97%22.74%-2.04%-5.66%-5.81%-0.98%9.44%4.03%
Capital Expenditures Growth (1y) -6.89%-11.87%-16.27%-14.20%-26.61%-13.24%-23.51%
Capital Expenditures (QoQ) -10.06%1.79%-8.40%11.03%-14.87%-3.29%-6.14%-5.03%0.64%-14.74%
Cash & Equivalents Growth (1y) 3,665.85%507.18%223.89%62.38%54.86%-26.73%-22.97%-39.81%-5.15%-23.17%-41.76%0.77%-31.95%-21.66%48.41%
Cash & Equivalents Growth (3y) 232.65%50.63%13.26%-0.50%-0.01%-23.89%-12.68%
Cash & Equivalents (QoQ) 48.13%88.45%-2.05%122.06%-20.98%-5.52%-6.59%5.07%-16.93%-26.17%47.20%-14.90%-37.03%27.75%-0.60%-2.04%19.31%
Cash from Investing Activities Growth (1y) -5,982.64%-251.77%-126.93%-51.69%-42.67%-31.24%-128.89%-25.22%15.52%47.70%88.21%-9.72%45.80%
Cash from Investing Activities Growth (3y) -317.75%-44.89%15.09%-27.74%13.23%
Cash from Investing Activities (QoQ) 3,150.67%-190.55%-36.90%-45.98%16.13%-35.40%8.49%-37.30%22.85%-136.14%49.94%7.37%52.24%46.79%-366.06%54.24%
Cash from Operations Growth (1y) -142.89%-117.65%-738.58%91.94%231.87%993.82%174.81%605.16%-144.03%146.04%94.40%517.00%1,043.38%
Cash from Operations Growth (3y) -31.02%57.16%142.13%65.26%95.55%
Cash from Operations (QoQ) -57.91%-123.50%-708.25%46.36%82.68%-1,016.65%92.23%977.23%17.40%-6.54%-47.51%-176.46%756.02%-26.16%66.58%16.91%
Dividends Paid - Common Growth (1y) -79.38%-83.23%-75.27%-56.64%76.62%41.92%38.00%
Dividends Paid - Common (QoQ) 37.11%-37.75%-57.28%-43.43%11.45%-8.17%-25.10%130.39%-10.45%-10.71%
EBITDA Margin Growth (1y) -9343.00-4230.00-281.00-751.007,773.003,154.00953.001,652.00724.00863.00647.001,331.001,529.001,413.00
EBITDA Margin Growth (3y) -846.00-214.001,319.002,231.0010,027.005,430.00
EBITDA Margin (QoQ) 37.00-1267.00-404.00-7710.005,150.002,682.00-874.00815.00531.00481.00-175.00-113.00669.00266.00508.0086.00553.00
EBIT Growth (1y) -1,552.50%-533.45%-1,121.27%-149.46%93.20%100.25%139.90%130.79%149.10%13,717.28%197.96%520.09%1,023.31%257.21%
EBIT Growth (3y) -21.44%14.77%154.68%89.11%33.42%48.06%
EBIT Margin Growth (1y) -9343.00-4230.00-1243.00-751.007,773.003,154.001,873.001,652.00724.00863.00647.001,331.001,529.001,413.00
EBIT Margin Growth (3y) -846.00-214.001,277.002,231.0010,027.005,430.00
EBIT Margin (QoQ) 37.00-1225.00-446.00-7710.005,150.001,762.0046.00815.00531.00481.00-175.00-113.00669.00266.00508.0086.00553.00
EBIT (QoQ) 42.77%-114.77%-358.01%-1,404.43%57.40%58.40%6.45%59.01%101.58%6,475.31%-27.81%-34.63%345.28%41.79%50.24%18.42%41.60%
EBT Growth (1y) -12,414.33%-239.25%-846.84%-848.10%81.20%22.71%75.61%71.01%-151.23%-82.08%-1,505.64%99.82%131.60%109.40%
EBT Growth (3y) -291.84%-68.38%-233.48%82.96%29.05%28.71%
EBT Margin Growth (1y) -8068.00-1673.00-2765.00-4358.006,563.00764.002,497.003,840.00-1336.00-1110.00-7922.001,085.003,383.003,564.00
EBT Margin Growth (3y) -2841.00-2019.00-8190.00567.008,610.003,218.00
EBT Margin (QoQ) -1433.00896.00-150.00-7381.004,962.00-196.00-1743.003,540.00-837.001,537.00-400.00-1636.00-611.00-5276.008,608.00662.00-430.00
EBT (QoQ) -1,632.68%63.89%-49.54%-1,388.03%57.78%-0.78%-49.74%70.49%-73.58%68.19%-77.95%-155.70%-25.80%-180.50%99.98%44,977.08%-62.57%
Enterprise Value Growth (1y) -328.70%-269.87%-19.67%-454.51%33.96%41.99%-5.48%19.19%-55.82%-10.11%41.06%2.44%47.40%34.60%-43.35%
Enterprise Value Growth (3y) -167.83%-33.19%9.39%-63.52%18.50%25.24%3.76%
Enterprise Value (QoQ) -65.69%80.82%-760.47%-35.27%46.39%11.13%-2.47%-18.83%2.53%31.91%-97.57%16.03%47.82%-12.70%-6.53%-4.40%-14.36%
EPS (Basic) Growth (1y) -82,131.11%10.45%-512.38%-2,115.32%20.15%-265.05%-138.89%67.96%-96.23%-158.33%-1,359.43%130.30%119.23%129.03%
EPS (Basic) Growth (3y) -988.13%-103.64%-426.29%60.71%32.03%67.96%
EPS (Basic) (QoQ) -13,542.46%121.20%-299.14%-1,327.66%85.14%2.37%-969.82%48.54%32.08%36.11%-43.48%-215.15%10.58%-260.94%102.98%100.00%35.00%
EPS (Weighted Average and Diluted) Growth (1y) -82,131.11%-100.61%-512.38%-2,115.32%20.15%-265.05%-138.89%67.96%-96.23%-158.33%-1,359.43%130.30%119.23%124.73%
EPS (Weighted Average and Diluted) Growth (3y) -988.13%-166.46%-426.29%60.71%32.03%63.02%
EPS (Weighted Average and Diluted) (QoQ) -5,989.98%147.49%-299.14%-1,327.66%85.14%2.37%-969.82%48.54%32.08%36.11%-43.48%-215.15%10.58%-260.94%102.98%100.00%15.00%
FCF Margin Growth (1y) -2689.00-886.00-1399.00909.001,123.00766.002,077.00544.00-964.00870.00545.001,444.002,263.00
FCF Margin Growth (3y) -2530.00750.001,223.002,897.002,422.00
FCF Margin (QoQ) -1313.00-942.00-1091.00657.00490.00-1455.001,216.00871.00133.00-144.00-316.00-637.001,967.00-469.00584.00182.00
FCF Payout Ratio Growth (1y) 147.93%123.23%-124.16%-85.44%-27.60%-86.97%124.53%
FCF Payout Ratio (QoQ) -487.87%138.25%-66.93%-35.55%184.90%-139.79%119.92%220.56%-48.74%-25.06%
Free Cash Flow Growth (1y) -142.89%-117.65%-934.33%70.15%190.54%775.24%143.03%172.17%-202.36%197.92%143.96%989.52%662.51%
Free Cash Flow Growth (3y) -33.84%52.56%134.27%63.20%93.21%
Free Cash Flow (QoQ) -57.91%-123.50%-708.25%46.36%82.68%-1,277.31%76.68%262.73%29.17%-12.23%-60.88%-330.78%475.98%-28.13%74.71%19.15%
Gross Margin Growth (1y) 534.00-347.00-1395.00-1289.00-383.00248.00298.00794.00350.00291.00505.00145.00-50.0063.00
Gross Margin Growth (3y) 501.00193.00-592.00-350.00-84.00603.00
Gross Margin (QoQ) 333.00914.00-341.00-371.00-548.00-135.00-235.00535.0084.00-86.00261.0091.0025.00129.00-99.00-104.00138.00
Gross Profit Growth (1y) 109.79%36.42%-10.62%-21.31%-2.05%10.86%22.56%63.03%39.66%30.50%45.03%22.42%28.82%38.17%
Gross Profit Growth (3y) 42.11%25.44%16.69%16.24%20.79%25.97%
Gross Profit (QoQ) 50.31%39.05%2.59%-2.15%-2.26%-8.90%-9.68%21.79%10.62%0.72%20.14%4.33%3.37%11.93%1.42%9.79%10.86%
Net Cash Flow Growth (1y) -223.50%-134.88%-14.77%-92.88%27.42%-119.62%534.81%-338.36%-91.40%168.70%-95.74%125.41%125.13%
Net Cash Flow Growth (3y) -54.89%-19.26%30.31%-64.93%32.93%
Net Cash Flow (QoQ) 67.36%-120.75%1,472.24%-125.91%52.74%31.70%185.13%-364.13%-43.01%235.22%-146.67%-112.09%151.33%-91.62%178.44%109.69%
Net Income Growth (1y) -35,954.73%-210.39%-1,673.37%-936.72%80.41%31.44%61.62%67.90%-157.25%-61.58%-1,183.26%107.87%120.03%131.35%
Net Income Growth (3y) -466.41%-50.94%-343.68%31.27%28.08%32.90%
Net Income (QoQ) -4,644.40%86.36%-223.13%-1,624.47%59.16%22.08%-88.90%67.41%-42.94%56.38%-58.02%-161.13%10.22%-246.39%100.97%564.65%40.51%
Net Income towards Common Stockholders Growth (1y) -37,170.33%-210.39%-1,069.21%-383.24%86.06%75.12%-1,041.52%53.83%-216.31%-304.73%-465.92%134.89%120.91%131.55%
Net Income towards Common Stockholders Growth (3y) -447.77%-46.21%-756.40%40.58%27.90%32.34%
Net Income towards Common Stockholders (QoQ) -4,644.40%101.76%-2,603.42%-1,682.61%60.49%94.50%-1,148.19%48.57%29.48%-152.17%49.52%-252.38%9.77%-252.60%103.11%111.21%36.12%
Net Margin Growth (1y) -9295.00-1705.00-215.00-1905.008,132.002,498.00-1737.001,598.00-1779.00-1836.00-6588.001,121.003,466.003,231.00
Net Margin Growth (3y) -2941.00-1043.00-8540.00813.009,820.003,893.00
Net Margin (QoQ) -1535.001,605.00-582.00-8783.006,055.003,094.00-2272.001,254.00421.00-1141.001,063.00-2122.00364.00-5893.008,771.00224.00129.00
Operating Income Growth (1y) -1,552.50%-533.45%-1,121.27%-149.46%93.20%100.25%139.90%130.79%149.10%13,717.28%197.96%520.09%1,023.31%257.21%
Operating Income Growth (3y) -21.44%14.77%154.68%89.11%33.42%48.06%
Operating Income (QoQ) 42.77%-114.77%-358.01%-1,404.43%57.40%58.40%6.45%59.01%101.58%6,475.31%-27.81%-34.63%345.28%41.79%50.24%18.42%41.60%
Operating Margin Growth (1y) -9343.00-4230.00-1243.00-751.007,773.003,154.001,873.001,652.00724.00863.00647.001,331.001,529.001,413.00
Operating Margin Growth (3y) -846.00-214.001,277.002,231.0010,027.005,430.00
Operating Margin (QoQ) 37.00-1225.00-446.00-7710.005,150.001,762.0046.00815.00531.00481.00-175.00-113.00669.00266.00508.0086.00553.00
Profit After Tax Growth (1y) -35,954.73%-210.39%-1,673.37%-936.72%80.41%31.44%61.62%67.90%-157.25%-61.58%-1,183.26%124.93%120.14%131.35%
Profit After Tax Growth (3y) -466.41%-50.94%-343.68%41.44%28.09%32.90%
Profit After Tax (QoQ) -4,644.40%86.36%-223.13%-1,624.47%59.16%22.08%-88.90%67.41%-42.94%56.38%-58.02%-161.13%10.22%-246.39%103.07%111.01%39.74%
Property, Plant & Equipment (Net) Growth (1y) 314.00%52.29%44.25%31.25%25.29%6.84%-3.25%-8.62%-15.49%-15.21%-17.66%
Property, Plant & Equipment (Net) Growth (3y) 70.60%11.32%4.74%
Property, Plant & Equipment (Net) (QoQ) 12.94%12.27%7.78%11.43%6.97%2.16%2.89%-4.98%-3.12%-3.52%-4.84%-4.67%-5.92%
Return on Assets Growth (1y) 5.0012.0026.0010.004.00-17.00-22.00-11.000.00
Return on Assets Growth (3y) 9.00
Return on Assets (QoQ) -4.00-8.0014.003.003.007.00-3.00-2.00-19.001.009.008.00
Return on Capital Employed Growth (1y) 19.0025.0028.0014.009.008.009.0013.00
Return on Capital Employed (QoQ) -3.000.0015.007.003.003.001.002.002.004.005.00
Return on Equity Growth (1y) 33.008.00-3.00-61.00-75.00-42.00-7.00
Return on Equity (QoQ) 16.002.004.0011.00-8.00-9.00-55.00-3.0025.0026.00
Return on Invested Capital Growth (1y) 36.0021.0015.0013.0014.0020.0021.00
Return on Invested Capital (QoQ) 17.009.006.004.002.003.003.005.009.003.00
Return on Sales Growth (1y) -90.00-17.00-25.00-47.0074.0011.0018.0040.00-17.00-7.00-83.0014.0038.0036.00
Return on Sales Growth (3y) -33.00-13.00-90.006.0095.0039.00
Return on Sales (QoQ) -15.0014.00-4.00-85.0058.006.00-26.0036.00-5.0013.00-4.00-20.004.00-63.0093.004.002.00
Revenue Growth (1y) 83.22%49.32%24.66%9.44%7.75%3.83%13.04%31.42%27.98%21.48%28.14%18.23%30.38%36.13%
Revenue Growth (3y) 36.20%23.49%21.77%19.36%21.60%19.74%
Revenue (QoQ) 37.84%13.28%10.21%6.46%12.34%-5.43%-3.24%4.81%8.25%2.97%12.49%2.07%2.75%8.61%3.79%12.56%7.28%
Share-based Compensation Growth (1y) 1,463.44%288.32%-1.61%-86.17%-65.61%-26.44%-5.45%-10.71%-40.53%13.84%-14.88%1.02%10.13%
Share-based Compensation Growth (3y) 47.32%48.15%-7.49%-50.03%-39.16%
Share-based Compensation (QoQ) 24.73%245.77%778.09%-58.72%-69.02%-12.39%23.47%2.62%-33.73%12.60%16.60%-31.65%26.85%-15.81%38.38%-25.49%
Shareholder's Equity Growth (1y) 101.20%331.58%-13.02%1.32%-12.45%-19.21%-33.68%-39.28%-23.98%-1.28%
Shareholder's Equity Growth (3y) 96.20%35.53%
Shareholder's Equity (QoQ) -6.40%-1.86%-4.45%-0.91%9.04%-15.20%-11.83%-18.65%-0.17%6.17%14.50%
Tax Rate Growth (1y) -15249.001,022.00-3962.00-917.00-478.001,241.00-4874.00-1152.00-284.001,098.002,685.00531,043.004,440.00-20208.00
Tax Rate Growth (3y) -16011.003,361.00-6150.00528,975.003,678.00-17869.00
Tax Rate (QoQ) -15900.007,478.00-5269.00-1558.00371.002,494.00-2224.00-1120.002,091.00-3621.001,498.00-252.003,473.00-2033.00529,856.00-526856.00-21175.00
Total Debt Growth (1y) 268.37%56.29%159.83%94.59%179.62%165.99%81.60%58.40%26.29%15.49%18.14%
Total Debt Growth (3y) 124.76%68.70%77.31%
Total Debt (QoQ) -9.11%59.57%-15.18%27.05%51.10%19.51%21.88%20.86%3.16%4.24%-2.83%10.52%5.53%