PGY
Pagaya Technologies·NASDAQ
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4.66 / 10
Netural
PGY's fundamentals are modest (score 4.7/10). Strengths include a healthy 29% YoY revenue growth and a 116% YoY profit growth, while weaknesses are a negative EBIT margin and a low net profit margin. Overall, the fundamental picture is mixed, supporting a neutral stance.
Analysis Checks(6/10)
Gross profit margin (%)
Value42.15
Score1/3
Weight1.54%
1M Return0.93%
Value42.15
Score1/3
Weight1.54%
1M Return0.93%
Total profit (YoY growth rate %)
Value116.37
Score3/3
Weight18.23%
1M Return9.32%
Value116.37
Score3/3
Weight18.23%
1M Return9.32%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight5.41%
1M Return3.12%
Value100.00
Score2/3
Weight5.41%
1M Return3.12%
Total assets turnover ratio
Value0.68
Score0/3
Weight4.76%
1M Return2.56%
Value0.68
Score0/3
Weight4.76%
1M Return2.56%
Asset-MV
Value-0.50
Score2/3
Weight32.64%
1M Return13.76%
Value-0.50
Score2/3
Weight32.64%
1M Return13.76%
Profit-MV
Value-0.14
Score0/3
Weight-3.57%
1M Return-2.31%
Value-0.14
Score0/3
Weight-3.57%
1M Return-2.31%
Net profit margin (%)
Value4.50
Score0/3
Weight2.00%
1M Return1.14%
Value4.50
Score0/3
Weight2.00%
1M Return1.14%
Operating revenue (YoY growth rate %)
Value29.01
Score2/3
Weight13.60%
1M Return7.92%
Value29.01
Score2/3
Weight13.60%
1M Return7.92%
EBIT / Total operating revenue (%)
Value-3056.43
Score2/3
Weight4.56%
1M Return2.61%
Value-3056.43
Score2/3
Weight4.56%
1M Return2.61%
Cash-MV
Value0.04
Score3/3
Weight20.82%
1M Return9.88%
Value0.04
Score3/3
Weight20.82%
1M Return9.88%
Gross profit margin (%)
Value42.15
Score1/3
Weight1.54%
1M Return0.93%
Value42.15
Score1/3
Weight1.54%
1M Return0.93%
Profit-MV
Value-0.14
Score0/3
Weight-3.57%
1M Return-2.31%
Value-0.14
Score0/3
Weight-3.57%
1M Return-2.31%
Total profit (YoY growth rate %)
Value116.37
Score3/3
Weight18.23%
1M Return9.32%
Value116.37
Score3/3
Weight18.23%
1M Return9.32%
Net profit margin (%)
Value4.50
Score0/3
Weight2.00%
1M Return1.14%
Value4.50
Score0/3
Weight2.00%
1M Return1.14%
Total profit / EBIT (%)
Value100.00
Score2/3
Weight5.41%
1M Return3.12%
Value100.00
Score2/3
Weight5.41%
1M Return3.12%
Operating revenue (YoY growth rate %)
Value29.01
Score2/3
Weight13.60%
1M Return7.92%
Value29.01
Score2/3
Weight13.60%
1M Return7.92%
Total assets turnover ratio
Value0.68
Score0/3
Weight4.76%
1M Return2.56%
Value0.68
Score0/3
Weight4.76%
1M Return2.56%
EBIT / Total operating revenue (%)
Value-3056.43
Score2/3
Weight4.56%
1M Return2.61%
Value-3056.43
Score2/3
Weight4.56%
1M Return2.61%
Asset-MV
Value-0.50
Score2/3
Weight32.64%
1M Return13.76%
Value-0.50
Score2/3
Weight32.64%
1M Return13.76%
Cash-MV
Value0.04
Score3/3
Weight20.82%
1M Return9.88%
Value0.04
Score3/3
Weight20.82%
1M Return9.88%
Is PGY undervalued or overvalued?
- PGY scores 4.66/10 on fundamentals and holds a Fair valuation at present. Backed by its 8.19% ROE, -17.24% net margin, -7.74 P/E ratio, 2.65 P/B ratio, and -6.20% earnings growth, these metrics solidify its Netural investment rating.
