Pagaya Technologies Ltd. Fundamental Analysis
Pagaya Technologies Ltd. (PGYWW) shows moderate financial fundamentals with a PE ratio of 14.03, profit margin of 7.57%, and ROE of 21.65%. The company generates $1.2B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 49.6/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze PGYWW's fundamental strength across five key dimensions:
Efficiency Score
WeakPGYWW struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPGYWW trades at attractive valuation levels.
Growth Score
WeakPGYWW faces weak or negative growth trends.
Financial Health Score
ModeratePGYWW shows balanced financial health with some risks.
Profitability Score
ModeratePGYWW maintains healthy but balanced margins.
Key Financial Metrics
Is PGYWW Expensive or Cheap?
P/E Ratio
PGYWW trades at 14.03 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PGYWW's PEG of 0.04 indicates potential undervaluation.
Price to Book
The market values Pagaya Technologies Ltd. at 2.60 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.56 times EBITDA. This is generally considered low.
How Well Does PGYWW Make Money?
Net Profit Margin
For every $100 in sales, Pagaya Technologies Ltd. keeps $7.57 as profit after all expenses.
Operating Margin
Core operations generate 21.78 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $21.65 in profit for every $100 of shareholder equity.
ROA
Pagaya Technologies Ltd. generates $5.96 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Pagaya Technologies Ltd. produces operating cash flow of $224.61M, showing steady but balanced cash generation.
Free Cash Flow
Pagaya Technologies Ltd. generates strong free cash flow of $212.53M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $2.65 in free cash annually.
FCF Yield
PGYWW converts 18.08% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.03
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.04
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.60
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.81
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.63
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.22
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.22
vs 25 benchmark
How PGYWW Stacks Against Its Sector Peers
| Metric | PGYWW Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.03 | 42.39 | Better (Cheaper) |
| ROE | 21.65% | 787.00% | Weak |
| Net Margin | 7.57% | 10847498347.00% | Weak |
| Debt/Equity | 1.81 | 0.45 | Weak (High Leverage) |
| Current Ratio | 1.63 | 5.31 | Neutral |
| ROA | 5.96% | 132.00% | Weak |
PGYWW outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Pagaya Technologies Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Growth, Innovation, High Beta
EPS CAGR
N/A
Industry Style: Growth, Innovation, High Beta
FCF CAGR
N/A
Industry Style: Growth, Innovation, High Beta