Pagaya Technologies reported a gross margin of 43.49% and a net margin of 10.94% for the quarter ended Jun 2026. These financial ratios cover 17 quarters of results from Dec 2021 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Dec2021 | Jun2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||
| Gross Margin | 42.18% | 32.99% | 38.34% | 39.18% | 38.32% | 40.93% | 41.84% | 42.09% | 43.38% | 42.38% | 41.34% | 42.72% | 43.24% | 44.15% | 43.49% | ||
| EBT Margin | -79.50% | -49.27% | -13.87% | -22.24% | -6.87% | -10.87% | -27.23% | -33.34% | -86.09% | -0.02% | 6.60% | 2.30% | 6.59% | 8.59% | 10.66% | ||
| EBIT Margin | -82.97% | -13.38% | -5.23% | 0.08% | 4.89% | 3.14% | 2.01% | 8.70% | 11.36% | 16.44% | 17.30% | 22.83% | 23.81% | 25.16% | 27.34% | ||
| EBITDA Margin | -82.97% | -13.38% | -5.23% | 0.08% | 4.89% | 3.14% | 2.01% | 8.70% | 11.36% | 16.44% | 17.30% | 22.83% | 23.81% | 25.16% | 27.34% | ||
| Operating Margin | -82.97% | -13.38% | -5.23% | 0.08% | 4.89% | 3.14% | 2.01% | 8.70% | 11.36% | 16.44% | 17.30% | 22.83% | 23.81% | 25.16% | 27.34% | ||
| Net Margin | -99.58% | -24.63% | -16.00% | -7.87% | -19.28% | -8.65% | -29.87% | -26.23% | -85.16% | 2.55% | 4.79% | 6.08% | 8.67% | 7.60% | 10.94% | ||
| FCF Margin | -15.64% | -3.48% | 5.23% | -7.76% | 5.12% | 1.96% | -4.41% | 8.55% | 10.57% | 16.41% | 18.22% | 22.91% | 12.58% | 18.41% | |||
| Efficiency | |||||||||||||||||
| Assets AverageAssets Avg. | 1,345.78M | 1,468.08M | 1,411.88M | 1,330.92M | 1,284.72M | 1,338.70M | 1,427.21M | 1,500.64M | 1,597.28M | 1,670.88M | |||||||
| Invested CapitalInvested Cap. | 215.26M | 905.05M | 919.70M | 937.46M | 1,069.01M | 1,024.39M | 968.41M | 871.94M | 876.78M | 930.19M | 1,023.62M | 1,036.95M | 1,074.14M | 1,120.65M | |||
| Asset Utilization RatioAsset Util. | 0.65 | 0.63 | 0.69 | 0.78 | 0.84 | 0.86 | 0.87 | 0.87 | 0.83 | 0.83 | |||||||
| Leverage & Solvency | |||||||||||||||||
| Debt Ratio | 0.06 | 0.13 | 0.18 | 0.22 | 0.23 | 0.28 | 0.31 | 0.33 | 0.34 | 0.33 | 0.34 | 0.31 | 0.29 | 0.28 | |||
| Dividends & Payouts | |||||||||||||||||
| Dividend Coverage RatioDiv. Cover | -3.77 | -1.87 | -1.60 | -9.46 | -8.44 | -26.68 | -26.21 | -123.40 | 1.67 | 3.93 | 5.99 | 2.11 | 3.94 | 3.50 | |||
| FCF Payout RatioFCF Cover | -0.42 | -2.46 | 0.94 | -0.26 | 0.20 | 0.57 | -0.23 | 0.08 | 0.14 | 0.07 | 0.06 | 0.18 | 0.15 | 0.17 | |||
| Payout Ratio | -0.27 | -0.53 | -0.62 | -0.11 | -0.12 | -0.04 | -0.04 | -0.01 | 0.60 | 0.25 | 0.17 | 0.47 | 0.25 | 0.29 | |||
| Return Ratios | |||||||||||||||||
| Return on Sales [ROS]ROS | -82.97% | -13.38% | -5.23% | 0.08% | 4.89% | 3.14% | 2.01% | 8.70% | 11.36% | 16.44% | 17.30% | 22.83% | 23.81% | 25.16% | 27.34% | ||
| Return on Capital Employed [ROCE]ROCE | 0.70% | 1.92% | 3.95% | 5.89% | 9.84% | 14.60% | |||||||||||
| Return on Invested Capital [ROIC]ROIC | 0.92% | 2.58% | 4.90% | 7.69% | 12.75% | 17.95% | 22.49% | 35.40% | 33.05% | 37.90% | |||||||
| Return on Assets [ROA]ROA | -9.64% | -12.28% | -14.78% | -33.49% | -32.03% | -23.33% | -15.05% | 4.76% | 5.82% | 7.11% |