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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 $254M
$1.7B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Pagaya has a last 12-month revenue (LTM) of $1.1B and a last 12-month EBITDA of $254M.
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| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $1.1B | XXX | $1.0B | XXX | XXX | XXX |
| Gross Profit | $466M | XXX | $407M | XXX | XXX | XXX |
| Gross Margin | 42% | XXX | 41% | XXX | XXX | XXX |
| EBITDA | $254M | XXX | $67.9M | XXX | XXX | XXX |
| EBITDA Margin | 23% | XXX | 7% | XXX | XXX | XXX |
| EBIT | $125M | XXX | $39.1M | XXX | XXX | XXX |
| EBIT Margin | 11% | XXX | 4% | XXX | XXX | XXX |
| Net Profit | -$223M | XXX | -$401M | XXX | XXX | XXX |
| Net Margin | -20% | XXX | -40% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $456M | XXX | XXX | XXX |
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As of May 30, 2025, Pagaya's stock price is $16.
Pagaya has current market cap of $1.2B, and EV of $1.7B.
See Pagaya trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $1.7B | $1.2B | XXX | XXX | XXX | XXX | $-3.13 |
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Start Free TrialAs of May 30, 2025, Pagaya has market cap of $1.2B and EV of $1.7B.
Pagaya's trades at 1.7x EV/Revenue multiple, and 25.3x EV/EBITDA.
Equity research analysts estimate Pagaya's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Pagaya has a P/E ratio of -5.6x.
See valuation multiples for Pagaya and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $1.2B | XXX | $1.2B | XXX | XXX | XXX |
| EV (current) | $1.7B | XXX | $1.7B | XXX | XXX | XXX |
| EV/Revenue | 1.5x | XXX | 1.7x | XXX | XXX | XXX |
| EV/EBITDA | 6.8x | XXX | 25.3x | XXX | XXX | XXX |
| EV/EBIT | 13.8x | XXX | 43.8x | XXX | XXX | XXX |
| EV/Gross Profit | 3.7x | XXX | n/a | XXX | XXX | XXX |
| P/E | -5.6x | XXX | -3.1x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 39.6x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialPagaya's last 12 month revenue growth is 17%
Pagaya's revenue per employee in the last FY averaged $1.8M, while opex per employee averaged $0.7M for the same period.
Pagaya's rule of 40 is 11% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Pagaya's rule of X is 64% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Pagaya and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 17% | XXX | 18% | XXX | XXX | XXX |
| EBITDA Margin | 23% | XXX | 7% | XXX | XXX | XXX |
| EBITDA Growth | 33% | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | 11% | XXX | 23% | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 64% | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $1.8M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.7M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 5% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | 8% | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 37% | 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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Start Free Trial| 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 $1.2B |
| What is the current revenue of Pagaya? | Pagaya's last 12 months revenue is $1.1B. |
| What is the current revenue growth of Pagaya? | Pagaya revenue growth (NTM/LTM) is 17%. |
| What is the current EV/Revenue multiple of Pagaya? | Current revenue multiple of Pagaya is 1.5x. |
| Is Pagaya profitable? | Yes, Pagaya is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Pagaya? | Pagaya's last 12 months EBITDA is $254M. |
| What is Pagaya's EBITDA margin? | Pagaya's last 12 months EBITDA margin is 23%. |
| What is the current EV/EBITDA multiple of Pagaya? | Current EBITDA multiple of Pagaya is 6.8x. |
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