Stock Fundamentals

Company Information

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Company Name
Pagaya Technologies Ltd.
Sector
Technology
Industry
Software - Infrastructure
Exchange
NASDAQ
ISIN: IL0011858912
CIK: 0001883085
Currency: USD
Full Time Employees: 531
Phone: 646 710 7714
Website: https://pagaya.com
Fiscal Year End: December
IPO Date: Jun 23, 2022
Description:

Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services and other service providers, their customers, and asset investors in the United States, Israel, and the Cayman Islands. The company develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was incorporated in 2016 and is headquartered in New York, New York.

Address:

335 Madison Ave, New York, NY, United States, 10017

Directors & Officers

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Name Title Year Born
Mr. Gal Krubiner CEO, Co-Founder & Director 1988
Mr. Sanjiv Das Co-Founder & President 1962
Mr. Avital Pardo Co-Founder, Deputy CEO & Director 1985
Mr. Yahav Yulzari Co-Founder, Deputy CEO & Director 1985
Mr. Evangelos Perros Chief Financial Officer 1976
Ms. Tami Rosen Chair of Strategic Advisory Board, Chief Development Officer & Director 1972
Mr. Ralph Lok Fu Leung COO & Chief Commercial Officer NA
Mr. Edward John Mallon Chief Investment Officer NA
Mr. Cory Vieira Chief Accounting Officer & Principal Accounting Officer 1979
Mr. Oren Setter Chief Technology Officer NA

Institutional Holders

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Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 3.53M Sep 30, 2025 4.39% $0.00 10.73%
JPMorgan Chase & Co 2.11M Sep 30, 2025 2.62% $0.00 51.98%
Vanguard Group Inc 2.04M Dec 31, 2025 2.54% $0.00 -0.71%
Jane Street Group LLC 2.01M Sep 30, 2025 2.50% $0.01 181.66%
American Century Companies Inc 1.41M Dec 31, 2025 1.75% $0.01 28.80%
Renaissance Technologies Corp 1.35M Dec 31, 2025 1.68% $0.04 27.30%
Nuveen, LLC 1.25M Sep 30, 2025 1.56% $0.01 -13.41%
Two Sigma Investments LLC 1.22M Dec 31, 2025 1.52% $0.04 -15.85%
Two Sigma Advisers, LLC 1.19M Dec 31, 2025 1.48% $0.05 -11.08%
Morgan Stanley - Brokerage Accounts 1.13M Sep 30, 2025 1.41% $0.00 -34.78%
Frontier Capital Management CO Inc 1.04M Dec 31, 2025 1.29% $0.23 -24.75%
BNP Paribas Arbitrage, SA 1.01M Dec 31, 2025 1.26% $0.01 -15.48%
Citadel Advisors Llc 973.28K Sep 30, 2025 1.21% $0.00 -23.28%
Trexquant Investment LP 840.24K Dec 31, 2025 1.05% $0.16 48.99%
Millennium Management LLC 824.58K Sep 30, 2025 1.03% $0.01 -52.58%
State Street Corp 808.48K Sep 30, 2025 1.01% $0.00 10.24%
UBS Group AG 772.51K Sep 30, 2025 0.96% $0.00 13.84%
Marshall Wace Asset Management Ltd 672.01K Sep 30, 2025 0.84% $0.02 1,556.29%
Royal Bank of Canada 641.77K Sep 30, 2025 0.80% $0.00 30,489.66%
Federated Hermes Inc 600.14K Sep 30, 2025 0.75% $0.03 40.84%

Shares Statistics

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Shares Outstanding: 69.11M
Shares Float: 61.78M
% Insiders: 1,246.60%
% Institutions: 6,280.60%
Short % Float: 24.70%

🏆 Top 10 Institutional Holders

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Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 3.53M 4.39% ▲ 10.73% Sep 30, 2025
2 JPMorgan Chase & Co 2.11M 2.62% ▲ 51.98% Sep 30, 2025
3 Vanguard Group Inc 2.04M 2.54% ▼ 0.71% Dec 31, 2025
4 Jane Street Group LLC 2.01M 2.50% ▲ 181.66% Sep 30, 2025
5 American Century Companies Inc 1.41M 1.75% ▲ 28.80% Dec 31, 2025
6 Renaissance Technologies Corp 1.35M 1.68% ▲ 27.30% Dec 31, 2025
7 Nuveen, LLC 1.25M 1.56% ▼ 13.41% Sep 30, 2025
8 Two Sigma Investments LLC 1.22M 1.52% ▼ 15.85% Dec 31, 2025
9 Two Sigma Advisers, LLC 1.19M 1.48% ▼ 11.08% Dec 31, 2025
10 Morgan Stanley - Brokerage Accounts 1.13M 1.41% ▼ 34.78% Sep 30, 2025

Valuation Metrics

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Enterprise Value: $1.52B
Trailing P/E: 12.03
Forward P/E: 3.77

Financial Highlights

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Market Cap: $899.63M
EBITDA: $293.90M
P/E Ratio: $12.03
PEG Ratio: $0.03
Book Value: $5.86
Earnings/Share: $0.93
Profit Margin: 6.25%
Operating Margin: 23.81%
ROA (TTM): 11.62%
ROE (TTM): 12.96%
Revenue (TTM): $1.30B
Revenue/Share (TTM): $16.61
Earnings Growth (YOY): 0.00%
Revenue Growth (YOY): 19.80%

Stock Price History

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1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

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Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

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Financial Ratios (Yearly)

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Financial Ratios (Quarterly)

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Earnings History

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Balance Sheet (Yearly)

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Financial Ratios

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Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 5.62x 0.00x 0.64x N/A 0.00x
2024-12-31 1.80x 1.99x 0.66x N/A 9.58x
2023-12-31 4.05x 0.66x 0.45x N/A -8.28x
2022-12-31 3.28x 0.29x 0.27x -4.35x -0.53x
2021-12-31 8.60x 0.12x 0.18x -0.12x -1.12x
2020-12-31 18.04x 0.00x 0.05x 10.42x 0.00x
2019-12-31 12.75x 0.00x 0.03x N/A 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Jan 05, 2026 Sanjiv Das N/A Sale 3.95K $22.99 $90.70K
Jan 05, 2026 Evangelos Perros N/A Sale 9.75K $22.99 $224.15K
Dec 19, 2025 Tami Rosen N/A Sale 7.56K $30.73 $232.35K
Oct 01, 2025 Evangelos Perros N/A Sale 12.75K $30.20 $385.17K
Oct 01, 2025 Sanjiv Das N/A Sale 4.78K $30.20 $144.45K
Oct 01, 2025 Tami Rosen N/A Sale 15.03K $30.73 $461.75K
Sep 15, 2025 Evangelos Perros N/A Sale 11.55K $40.62 $469.28K
Sep 15, 2025 Sanjiv Das N/A Sale 13.30K $40.62 $540.41K
Sep 15, 2025 Tami Rosen N/A Sale 13.87K $41.20 $571.44K
Sep 09, 2025 Evangelos Perros N/A Sale 14.36K $37.34 $536.05K
Sep 05, 2025 Evangelos Perros N/A Sale 9.44K $38.84 $366.46K
Jul 18, 2025 Dan Petrozzo N/A Sale 8.48K $30.15 $255.79K
Jul 17, 2025 Sanjiv Das N/A Sale 12.74K $25.95 $330.65K
Jul 03, 2025 Tami Rosen N/A Sale 13.82K $21.85 $301.99K
Jul 02, 2025 Evangelos Perros N/A Sale 12.76K $22.57 $287.88K
Jul 02, 2025 Sanjiv Das N/A Sale 4.78K $22.57 $107.97K
Jul 01, 2025 Tami Rosen N/A Sale 14.65K $22.57 $330.54K
Jun 25, 2025 Yahav Yulzari N/A Sale 52.87K $20.24 $1.07M
Jun 25, 2025 Avital Pardo N/A Sale 54.25K $20.24 $1.10M
Jun 25, 2025 Tami Rosen N/A Sale 10.00K $20.24 $202.40K

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