Pagaya Technologies Ratios (2020-2025) | PGY

Ratios Dec2020 Jun2021 Sep2021 Dec2021 Mar2022 Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Profitability
Gross Margin 32.99%38.34%39.18%38.32%40.93%41.84%42.09%43.38%42.38%41.34%42.72%
EBT Margin -1,354.91%-212.45%-3.45%-79.44%-19.16%-7.55%-7.85%-49.27%-13.87%-22.24%-6.87%-10.87%-27.23%-33.34%-86.09%-0.02%6.60%2.30%
EBIT Margin -1,016.88%175.10%-1.16%-82.01%-19.99%-7.95%-3.41%-13.38%-5.23%0.08%4.89%3.14%2.01%8.70%11.36%16.44%17.30%22.83%
EBITDA Margin -1,016.88%175.10%-1.16%-82.01%-19.99%-7.95%-3.41%-13.38%-5.23%0.08%4.89%3.14%2.01%8.70%11.36%16.44%17.30%22.83%
Operating Margin -1,016.88%175.10%-1.16%-82.01%-19.99%-7.95%-3.41%-13.38%-5.23%0.08%4.89%3.14%2.01%8.70%11.36%16.44%17.30%22.83%
Net Margin -1,572.63%-218.02%0.69%-28.90%77.15%70.25%70.72%-24.63%-12.09%-7.87%-19.28%-8.65%-29.87%-26.23%-85.16%2.55%4.79%6.08%
FCF Margin 337.52%6.39%-1.52%-0.27%-15.64%-3.48%5.23%6.57%5.12%1.96%-4.41%15.26%10.57%16.41%18.22%
Efficiency
Assets Average 1.03B1.05B1.06B1.13B1.20B1.21B1.35B1.47B1.41B1.33B1.28B1.34B1.43B
Equity Average 201.38B403.17B201.92B0.67B0.72B0.74B0.71B0.69B0.67B0.70B0.67B0.58B0.49B0.44B0.45B0.50B
Invested Capital 0.09B402.67B403.67B0.22B0.68B0.71B0.91B0.76B0.92B0.72B0.94B0.96B0.85B0.77B0.76B0.76B0.63B1.02B
Asset Utilization Ratio 1.722.252.381.741.140.670.650.630.690.780.840.860.87
Leverage & Solvency
Interest Coverage Ratio 0.99
Debt to Equity 0.210.190.170.180.230.310.400.410.460.650.760.970.950.990.91
Debt Ratio 0.060.120.110.130.150.180.220.220.220.280.300.330.330.330.34
Equity Ratio 0.300.650.650.730.660.590.550.550.490.420.400.340.340.330.37
Times Interest Earned 0.99
Dividends & Payouts
FCF Payout Ratio -0.7411.321.38-69.82-0.42-2.460.940.310.200.57-0.230.050.140.070.06
Valuation
Enterprise Value -0.01B0.35B0.24B0.33B0.17B2.48B0.83B0.72B0.57B0.85B0.98B0.91B0.44B0.74B0.67B0.59B0.69B1.51B2.30B
Market Capitalization 0.35B0.35B0.36B0.36B2.73B0.96B0.84B0.69B1.00B1.12B1.01B0.64B0.90B0.76B0.68B0.79B1.61B2.42B
Return Ratios
Return on Sales -0.37%-0.21%-0.14%-0.12%-0.15%-0.13%-0.17%-0.24%-0.15%-0.19%-0.21%-0.43%-0.38%-0.27%-0.17%
Return on Capital Employed -0.24%-0.27%-0.28%-0.12%-0.06%-0.02%0.01%0.02%0.04%0.06%0.10%0.15%
Return on Assets -0.24%-0.28%-0.36%-0.22%-0.19%-0.16%-0.10%-0.12%-0.15%-0.33%-0.32%-0.23%-0.15%
Return on Equity -0.36%-0.40%-0.52%-0.35%-0.33%-0.29%-0.19%-0.27%-0.36%-0.91%-0.93%-0.69%-0.43%