Stocktoria
Pagaya Technologies Ltd. PGY
Nasdaq · XNAS · stock · Finance Services · website · IPO 2022-06-23
Chart by TradingView
5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $1.3B | $1.0B | $772.8M | $685.4M | $474.6M |
| Operating income | $263.8M | $66.8M | -$24.4M | -$251.5M | -$5.8M |
| Net income | $81.4M | -$401.4M | -$128.4M | -$302.3M | -$91.2M |
| Operating cash flow | $238.6M | $47.8M | -$21.7M | -$40.0M | $49.8M |
| Free cash flow | $224.7M | $30.0M | -$41.8M | -$62.4M | $43.2M |
| Total assets | $1.5B | $1.3B | $1.2B | $1.0B | $590.3M |
| Total liabilities | $960.5M | $775.3M | $468.4M | $279.7M | $105.9M |
| Shareholders' equity | $480.0M | $441.5M | $665.7M | $765.4M | $177.4M |
| Ratios | |||||
| Operating margin | 20.9% | 6.5% | -3.2% | -36.7% | -1.2% |
| Net margin | 6.5% | -38.9% | -16.6% | -44.1% | -19.2% |
| FCF margin | 17.8% | 2.9% | -5.4% | -9.1% | 9.1% |
| Return on assets | 5.3% | -31.1% | -10.6% | -28.9% | -15.4% |
| Return on equity | 17.0% | -90.9% | -19.3% | -39.5% | -51.4% |
| Debt / equity | — | 0.73× | — | — | — |
| Current ratio | — | 1.80 | 4.05 | 3.28 | 8.60 |
| Revenue growth | 22.2% | 33.6% | 12.8% | 44.4% | — |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001883085 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.