20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Pagaya Technologies Ltd. (PGY) operates in the SOFTWARE - INFRASTRUCTURE industry and is headquartered in New York, United States with about 493 employees. Its market capitalization is roughly $2 billion. In the fiscal year ended 2025-12-31, PGY reported $1.3B in revenue and $81M in net income.
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $1.3B | $1.3B | $1.0B | $773M | $685M | $446M | $92M | $36M |
| Gross Profit | $539M | $512M | $407M | $264M | $234M | $214M | $43M | $8M |
| Gross Margin % | 40.6% | 40.6% | 40.5% | 34.1% | 34.2% | 47.9% | 46.5% | 22.6% |
| Operating Income (EBIT) | $281M | $224M | $67M | ($24M) | ($315M) | ($6M) | $21M | ($4M) |
| Operating Margin % | 21.2% | 17.7% | 6.7% | -3.2% | -46.0% | -1.3% | 23.2% | -10.8% |
| Net Income | $127M | $81M | ($401M) | ($128M) | ($302M) | ($91M) | $14M | ($6M) |
| Net Margin % | 9.6% | 6.5% | -40.0% | -16.6% | -44.1% | -20.4% | 15.8% | -15.6% |
| EBITDA | $121M | $82M | $68M | ($45M) | ($309M) | ($34M) | $14M | ($4M) |
| Earnings Per Share (EPS) | $1.30 | $0.98 | $-5.66 | $-2.14 | $-5.19 | $-5.60 | $0.79 | $-0.35 |
| Shares Outstanding (M) | 97M | 83M | 71M | 60M | 58M | 16M | 18M | 16M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $366M | $299M | $321M | $340M | $318M | $283M | $276M | $249M |
| Gross Profit | $147M | $121M | $131M | $139M | $126M | $116M | $117M | $100M |
| Gross Margin % | 40.2% | 40.6% | 40.8% | 41.0% | 39.7% | 40.9% | 42.6% | 40.2% |
| Operating Income (EBIT) | $84M | $61M | $66M | $70M | $48M | $40M | $32M | $22M |
| Operating Margin % | 23.1% | 20.4% | 20.5% | 20.5% | 15.0% | 14.3% | 11.5% | 9.0% |
| Net Income | $45M | $25M | $34M | $23M | $17M | $8M | ($238M) | ($67M) |
| Net Margin % | 12.4% | 8.3% | 10.7% | 6.6% | 5.2% | 2.8% | -86.3% | -27.1% |
| EBITDA | $45M | $31M | $29M | $16M | $29M | $8M | $36M | $22M |
| Earnings Per Share (EPS) | $0.47 | $0.26 | $0.34 | $0.25 | $0.21 | $0.10 | $-3.20 | $-0.93 |
| Shares Outstanding (M) | 97M | 97M | 102M | 91M | 80M | 77M | 74M | 73M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $265M | $239M | $67M | $10M | ($40M) | $50M | $4M | ($8M) |
| Capital Expenditures (CapEx) | $13M | $14M | $23M | $20M | $22M | $7M | $1M | $1M |
| Free Cash Flow (FCF) | $252M | $225M | $43M | ($11M) | ($62M) | $43M | $3M | ($9M) |
| FCF Margin % | 19.0% | 17.8% | 4.3% | -1.4% | -9.1% | 9.7% | 3.4% | -23.8% |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $75M | $43M | $80M | $67M | $57M | $34M | $32M | ($7M) |
| Capital Expenditures (CapEx) | $3M | $3M | $3M | $3M | $4M | $4M | $9M | $4M |
| Free Cash Flow (FCF) | $71M | $40M | $77M | $64M | $54M | $31M | $23M | ($11M) |
| FCF Margin % | 19.5% | 13.4% | 23.9% | 18.8% | 16.9% | 10.8% | 8.2% | -4.5% |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.7B | $1.5B | $1.3B | $1.2B | $1.0B | $590M | $204M | $59M |
| Cash & Cash Equivalents | $249M | $235M | $188M | $186M | $310M | $191M | $5M | $5M |
| Total Liabilities | $1.0B | $991M | $850M | $543M | $280M | $106M | $10M | $2M |
| Total Debt (Short + Long-Term) | $907M | $858M | $650M | $369M | $163M | $38M | $0M | $0M |
| Total Shareholders' Equity | $594M | $480M | $326M | $560M | $554M | $308M | $109M | $32M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive PGY viewer.
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