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 36.83%40.16%49.30%45.89%42.18%36.69%35.35%32.99%38.34%39.18%38.32%40.93%41.84%42.09%43.38%42.38%41.34%42.72%
EBT Margin 1.18%-13.15%-4.19%-5.69%-79.50%-29.88%-31.84%-49.27%-13.87%-22.24%-6.87%-10.87%-27.23%-33.34%-86.09%-0.02%6.60%2.30%
EBIT Margin 10.47%10.84%-1.41%-5.87%-82.97%-31.46%-13.84%-13.38%-5.23%0.08%4.89%3.14%2.01%8.70%11.36%16.44%17.30%22.83%
EBITDA Margin 10.47%10.84%-1.83%-5.87%-82.97%-31.46%-4.64%-13.38%-5.23%0.08%4.89%3.14%2.01%8.70%11.36%16.44%17.30%22.83%
Operating Margin 10.47%10.84%-1.41%-5.87%-82.97%-31.46%-13.84%-13.38%-5.23%0.08%4.89%3.14%2.01%8.70%11.36%16.44%17.30%22.83%
Net Margin -0.46%-15.80%0.25%-5.58%-93.41%-32.85%-1.91%-24.63%-12.09%-7.87%-19.28%-8.65%-29.87%-26.23%-85.16%2.55%4.79%6.08%
FCF Margin 20.89%7.76%-1.66%-12.57%-6.00%-1.10%-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 1,026.72M1,047.33M1,063.72M1,134.72M1,203.65M1,214.29M1,345.78M1,468.08M1,411.88M1,330.92M1,284.72M1,338.70M1,427.21M
Equity Average 740.93M709.78M687.49M668.80M695.83M670.74M579.17M492.16M441.17M454.39M501.91M
Invested Capital 88.14M215.35M905.02M716.44M703.12M671.85M937.45M960.96M848.17M772.95M762.86M758.72M633.39M1,023.62M
Asset Utilization Ratio 0.690.720.720.690.650.670.650.630.690.780.840.860.87
Leverage & Solvency
Debt to Equity 0.210.180.170.210.340.410.460.650.760.970.950.990.91
Debt Ratio 0.060.100.080.130.110.130.190.220.220.280.300.330.330.330.34
Equity Ratio 0.300.730.660.590.550.550.490.420.400.340.340.330.37
Dividends & Payouts
FCF Payout Ratio -0.42-2.460.940.310.200.57-0.230.050.140.070.06
Valuation
Enterprise Value -5.07M-68.34M-113.24M-21.72M-186.88M-252.78M-135.51M-120.43M-123.41M-146.65M-142.94M-97.32M-192.29M-161.47M-84.25M-94.95M-101.15M-105.60M-120.77M
Return Ratios
Return on Sales 0.00%-0.16%-0.02%-0.06%-0.90%-0.33%-0.27%-0.53%-0.16%-0.22%-0.09%-0.13%-0.33%-0.29%-0.92%0.01%0.05%0.07%
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 Invested Capital -0.35%-0.18%-0.09%-0.03%0.01%0.03%0.06%0.09%0.15%0.23%0.27%
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 -0.52%-0.35%-0.33%-0.29%-0.19%-0.27%-0.36%-0.91%-0.93%-0.69%-0.43%