Pagaya Technologies Ltd.
PGYTechnologyNASDAQSoftware - Infrastructure · Last scanned Jul 18, 2026
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Daily timeframePagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and. The company carries a $1.43B market cap, placing it firmly in the small-cap category. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the tr.
Market Cap
$1.43B
Beta
5.34
P/E (TTM)
15.59
P/E (Fwd)
4.85
EPS (TTM)
$1.10
EPS (Fwd)
$3.53
ROE
16.3%
ROA
12.7%
Cash
$1.26B
Total Debt
$928.0M
Free CF
$185.5M
52W Change
-44.9%
Annual Financials
Cash vs Debt
Pagaya Technologies Ltd. holds $1.26B in cash against $928.0M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Annual free cash flow of $185.5M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. Return on equity stands at 16.3%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Return on assets of 12.7% further supports the picture of efficient asset utilization. Revenue has grown from $685.4M (2022) to $1.26B (2025), reflecting a 84% increase over the period.
Pagaya Technologies Ltd.'s elevated beta suggests the stock experiences more pronounced price movements than the overall market, which increases both upside potential and downside risk. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing PGY.