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Pagaya Technologies Ltd is a financial technology company working to reshape the lending marketplace by using machine learning, data analytics, and sophisticated AI-driven credit and analysis technology. It was built to provide a comprehensive solution to enable the credit industry to deliver customers a positive experience while simultaneously enhancing the broader credit ecosystem. Its proprietary API seamlessly integrates into its next-gen infrastructure network of partners to deliver a premium customer user experience and greater access to credit. The company generates majority of its revenue from United States.
2016
553
LTM Revenue $1.1B
LTM EBITDA $232M
$1.2B
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Pagaya has a last 12-month revenue of $1.1B and a last 12-month EBITDA of $232M.
In the most recent fiscal year, Pagaya achieved revenue of $1.0B and an EBITDA of $67.9M.
Pagaya expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Pagaya valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $773M | $1.0B | XXX | XXX | XXX |
| Gross Profit | $234M | $264M | XXX | XXX | XXX |
| Gross Margin | 30% | 26% | XXX | XXX | XXX |
| EBITDA | -$44.5M | $67.9M | XXX | XXX | XXX |
| EBITDA Margin | -6% | 7% | XXX | XXX | XXX |
| Net Profit | -$302M | -$128M | XXX | XXX | XXX |
| Net Margin | -39% | -13% | XXX | XXX | XXX |
| Net Debt | n/a | $175M | XXX | XXX | XXX |
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As of April 15, 2025, Pagaya's stock price is $9.
Pagaya has current market cap of $714M, and EV of $1.2B.
See Pagaya trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $1.2B | $714M | XXX | XXX | XXX | XXX | $-4.00 |
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Sign UpAs of April 15, 2025, Pagaya has market cap of $714M and EV of $1.2B.
Pagaya's trades at 1.1x LTM EV/Revenue multiple, and 5.2x LTM EBITDA.
Analysts estimate Pagaya's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Pagaya and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $1.2B | XXX | XXX | XXX |
| EV/Revenue | 1.2x | XXX | XXX | XXX |
| EV/EBITDA | 17.7x | XXX | XXX | XXX |
| P/E | -1.8x | XXX | XXX | XXX |
| P/E/Growth | n/a | XXX | XXX | XXX |
| EV/FCF | 27.7x | XXX | XXX | XXX |
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Sign UpPagaya's NTM/LTM revenue growth is 15%
Pagaya's revenue per employee for the last fiscal year averaged $1.8M, while opex per employee averaged $0.7M for the same period.
Over next 12 months, Pagaya's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Pagaya's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Pagaya and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 30% | XXX | XXX | XXX | XXX |
| EBITDA Margin | 7% | XXX | XXX | XXX | XXX |
| EBITDA Growth | -253% | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | 22% | XXX | XXX | XXX | XXX |
| Revenue per Employee | $1.8M | XXX | XXX | XXX | XXX |
| Opex per Employee | $0.7M | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 5% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 24% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | 8% | XXX | XXX | XXX | XXX |
| Opex to Revenue | 37% | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Allfunds Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Bravura Solutions | XXX | XXX | XXX | XXX | XXX | XXX |
| Change Financial | XXX | XXX | XXX | XXX | XXX | XXX |
| Computershare | XXX | XXX | XXX | XXX | XXX | XXX |
| FINEOS | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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Pagaya acquired XXX companies to date.
Last acquisition by Pagaya was XXXXXXXX, XXXXX XXXXX XXXXXX . Pagaya acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was Pagaya founded? | Pagaya was founded in 2016. |
| Where is Pagaya headquartered? | Pagaya is headquartered in United States of America. |
| How many employees does Pagaya have? | As of today, Pagaya has 553 employees. |
| Who is the CEO of Pagaya? | Pagaya's CEO is Mr. Gal Krubiner. |
| Is Pagaya publicy listed? | Yes, Pagaya is a public company listed on NAS. |
| What is the stock symbol of Pagaya? | Pagaya trades under PGY ticker. |
| When did Pagaya go public? | Pagaya went public in 2022. |
| Who are competitors of Pagaya? | Similar companies to Pagaya include e.g. Allfunds Group, Bravura Solutions, Change Financial, Computershare. |
| What is the current market cap of Pagaya? | Pagaya's current market cap is $714M |
| What is the current revenue of Pagaya? | Pagaya's last 12-month revenue is $1.1B. |
| What is the current EBITDA of Pagaya? | Pagaya's last 12-month EBITDA is $232M. |
| What is the current EV/Revenue multiple of Pagaya? | Current revenue multiple of Pagaya is 1.1x. |
| What is the current EV/EBITDA multiple of Pagaya? | Current EBITDA multiple of Pagaya is 5.2x. |
| What is the current revenue growth of Pagaya? | Pagaya revenue growth between 2023 and 2024 was 30%. |
| Is Pagaya profitable? | Yes, Pagaya is EBITDA-positive (as of the last 12 months). |
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