Pagaya Technologies Ltd.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Pagaya Technologies Ltd.'s yearly results (2022–2025), compared with Technology companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 89% of Technology companies in United States.
- Cash Cushion Ratio: Cash, after subtracting all debt, equals 21% of its market value (net cash). Higher than 87% of Technology companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $94 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 85% of Technology companies in United States.
Cash quality
Profit Cash Ratio
—Loss-making or profit too small
Over the last 3 years profit was a loss or under 2% of sales, so cash per 100 of profit is not meaningful.
Self-Funding Ratio
4.6×Over the last 3 years its own operating cash covered its investment spending (capex) 4.6 times.
Higher than 63% of Technology companies in United States.
Cash Locked Ratio
—Data incomplete
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 75% of Technology companies in United States.
Growth Efficiency Ratio
$67Sales grew 84% in 3 years; of every extra $100 of sales, $67 became extra profit.
Higher than 78% of Technology companies in United States.
Asset Productivity Ratio
+84% / +48%In 3 years sales changed by +84% while total assets changed by +48%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
7.0×Debt due within a year is covered 7.0 times by its yearly operating cash.
Higher than 60% of Technology companies in United States.
Cash Cushion Ratio
+21%Cash, after subtracting all debt, equals 21% of its market value (net cash).
Higher than 87% of Technology companies in United States.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 89% of Technology companies in United States.
Tangible Net Worth Ratio
94%Of every $100 of net worth, $94 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 85% of Technology companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (13)
Pagaya Technologies Ltd. owes $0.62 for every $1 it owns. Pagaya Technologies Ltd. returned to profit in the year to Dec 2025, after a loss the year before.
Compared with Technology companies in United States · latest annual results Dec 2025.
P/E ratio
13.9Investors pay $13.9 for every $1 of Pagaya Technologies Ltd.'s yearly profit, lower than 87% of Technology companies in United States.
P/B ratio
2.70The share price is 2.70 times Pagaya Technologies Ltd.'s book value per share, lower than 57% of Technology companies in United States.
Market cap
$1.6 BThe total market value of all of Pagaya Technologies Ltd.'s shares at today's price (share price × number of shares), larger than 51% of Technology companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$594 MWhat Pagaya Technologies Ltd. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$7.12Net worth divided by the number of shares. The share price of $19.22 is 2.7 times this, which is the P/B above.
Return on equity (ROE)
19.5%Pagaya Technologies Ltd. earned 19.5% on its shareholders' money over the last year, higher than 79% of Technology companies in United States.
Owes vs Owns
0.62×Pagaya Technologies Ltd. owes $0.62 for every $1 it owns (moderate), higher than 67% of Technology companies in United States.
Dividend yield
NonePagaya Technologies Ltd. does not currently pay a dividend.
Revenue growth
+26%Revenue rose 26% in the year to Dec 2025, and grew 23% a year on average over 3 years.
Profit growth
Back to profitPagaya Technologies Ltd. returned to profit in the year to Dec 2025, after a loss the year before.
Profit margin
6.5%Pagaya Technologies Ltd. keeps $6 of every $100 of revenue as net profit.
Cash quality
2.9×Cash from Pagaya Technologies Ltd.'s business was 2.9× its reported profit in the year to Dec 2025 — its profit turned into cash.
Cash vs debt
Net cashPagaya Technologies Ltd. held $336 M more cash than debt (net cash) at Dec 2025.
Questions
What is Pagaya Technologies Ltd.'s P/E ratio?
Investors pay $13.9 for every $1 of Pagaya Technologies Ltd.'s yearly profit, lower than 87% of Technology companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Pagaya Technologies Ltd.: $1.6 B ÷ $594 M (30 Jun 2026) = 2.7.
What is Pagaya Technologies Ltd.'s return on equity?
Pagaya Technologies Ltd. earned 19.5% on its shareholders' money over the last year, higher than 79% of Technology companies in United States.
How much does Pagaya Technologies Ltd. owe compared with what it owns?
Pagaya Technologies Ltd. owes $0.62 for every $1 it owns (moderate), higher than 67% of Technology companies in United States.
Does Pagaya Technologies Ltd. pay a dividend?
No. Pagaya Technologies Ltd. does not currently pay a dividend.
Is Pagaya Technologies Ltd.'s revenue growing?
Revenue rose 26% in the year to Dec 2025, and grew 23% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.