Pagaya Technologies (PGY) Fundamental Analysis: Revenue, Earnings & Valuation

3.67 / 10

Netural

Fundamental rating is Neutral with a 3.7/10 score, indicating sub‑par quality. Strengths include EBIT/Revenue and Total‑profit/EBIT ratios; weaknesses are low Asset‑MV, modest gross margin, and limited cash‑to‑market value. Overall the fundamentals appear defensive and not growth‑oriented.

Analysis Checks(5/10)

Gross profit margin (%)

Value42.43

Score1/3

Weight1.29%

1M Return0.72%

Total profit (YoY growth rate %)

Value112.26

Score3/3

Weight21.08%

1M Return9.18%

Net cash flow from operating activities (YoY growth rate %)

Value399.72

Score1/3

Weight2.31%

1M Return1.32%

Net profit margin (%)

Value5.66

Score1/3

Weight4.70%

1M Return2.48%

Total profit / EBIT (%)

Value100.00

Score2/3

Weight6.56%

1M Return3.38%

Operating revenue (YoY growth rate %)

Value25.56

Score2/3

Weight20.88%

1M Return10.24%

Total assets turnover ratio

Value0.89

Score0/3

Weight4.32%

1M Return2.13%

EBIT / Total operating revenue (%)

Value-934.44

Score2/3

Weight4.71%

1M Return2.48%

Asset-MV

Value-0.55

Score1/3

Weight13.58%

1M Return6.37%

Cash-MV

Value0.49

Score3/3

Weight20.55%

1M Return9.79%

Is PGY fundamentally strong?

PGY scores 3.67/10 on fundamentals and holds a Fair valuation at present. Backed by its 14.04% ROE, 5.48% net margin, 11.93 P/E ratio, 1.57 P/B ratio, and 117.49% earnings growth, these metrics solidify its Netural investment rating.