Pagaya Technologies Ltd.
About Pagaya Technologies Ltd.
Pagaya Technologies Ltd is a product-focused technology company. It uses machine learning, a vast data network, and an AI-driven approach to offer comprehensive consumer credit and residential real estate products for its partners, their customers, and investors. Its suite of products includes Decline Monetization, Dual Look, First Look, Affiliate Optimizer Engine, Direct Marketing Engine, and FastPass, providing lenders with an AI-powered credit and acquisition ecosystem that helps them approve more borrowers, capture more demand, and grow without adding risk. Geographically, the company generates maximum revenue from its business in the United States.
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Financial summary
- Revenue FY2025
- $1.3B
- Net income
- $81.4M
- Total assets
- $1.5B
- Market cap
- $1.2B
- Gross margin
- 42.4%
- Operating margin
- 20.3%
- Net margin
- 5.5%
Source: SEC EDGAR · updated Jun 8, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $1.3B
- Cost of revenue
- $749.2M
- Gross profit
- $552.2M
- Operating expenses
- $288.4M
- Operating income
- $263.8M
- Income tax
- -$19.7M
- Net income
- $71.4M
- EPS (basic)
- $0.99
- EPS (diluted)
- $0.93
Balance sheet
- Total assets
- $1.5B
- Current assets
- $1.5B
- Total liabilities
- $960.5M
- Current liabilities
- $960.5M
- Shareholders’ equity
- $555.4M
Cash flow
- Operating cash flow
- $238.6M
- Investing cash flow
- -$309.7M
- Financing cash flow
- $129.6M
- Net cash flow
- $61.8M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $1.2B
- P/E ratio
- 16.4
- EPS (diluted)
- $0.93
- Shares outstanding
- 79.0M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jun 23, 2022
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $81.4M in FY2025.
- Revenue grew 60% from FY2023 to FY2025.
- Gross margin of 42.4%, net margin 5.5%.
- Trading 65% below its 52-week high.
- Valued at a price-to-earnings (P/E) ratio of 16.4.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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