What is Pagaya Technologies's market cap?

Pagaya Technologies (PGY) has a market capitalization of $1.4B and trades on NASDAQ.

What is Pagaya Technologies's revenue and profitability?

Pagaya Technologies generated $1.3B in trailing twelve-month revenue with net income of $98.2M, representing a net margin of 7.4%. Gross margin stands at 42.9%, with free cash flow of $234.1M. These figures are based on the Q1 2026 filing.

Who are Pagaya Technologies's competitors?

Pagaya Technologies's key competitors include Upstart Holdings, Inc., Fair Isaac Corporation, Repay Holdings Corporation Class A Common Stock, and others. These companies compete in similar markets and product categories.

What subsidiaries does Pagaya Technologies have?

Pagaya Technologies's subsidiaries include Pagaya US Holding Company LLC.

Where is Pagaya Technologies headquartered?

Pagaya Technologies is headquartered in Israel and employs approximately 712 people. It has been publicly traded since 2022.

Pagaya Technologies

PGY

Pagaya Technologies is a financial technology company that operates an AI-powered network connecting financial institutions with institutional investors.

Market cap

$1.41B-37.8%

Revenue$1.3B+23.4%

Net income$98.2M+126%

Free cash flow$234.1M+225%

EPS (diluted)$1.09+121%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q1 2026 report

May 7, 2026

Revenue$317.9MMiss by $5.9M EPS$0.28Miss by $0.04

Read the full report

Next report

Jul 30, 2026 (Tomorrow)

Revenue estimate$356.5M

EPS estimate$0.32

Financials

Q1 2026

Income statement

See full

Revenue$317.9M+9.6%

Gross profit$140.4M+14.2%

Operating income$80.0M+67.8%

Net income$24.7M+213%

EPS (diluted)$0.28+180%

Balance sheet

See full

Cash & equivalents$380.0M+65.5%

Total debt$507.6M+43.8%

Total equity$529.3M+57.8%

Total assets$1.6B+29.0%

Cash flow

See full

Operating cash flow$43.2M+25.4%

CapEx$3.2M-15.9%

Free cash flow$40.0M+30.5%

Valuation & ratios

Valuation

See full

Market cap$1.41B-37.8%

Enterprise value$1.54B-37.1%

P/E14.4×—

P/S1.1×-1.0×

Profitability

See full

Gross margin42.9%+0.4pp

Operating margin22.3%+12.4pp

Net margin7.4%+4.0pp

FCF margin17.6%—

Returns & leverage

See full

Return on equity22.7%+12.8pp

Debt / equity1×-0.1×

Segments

By product

See full

Network AI Fees$266.9M+6.1%

Financial Service$32.1M+2.9%

Competitors

By market cap

Fair Isaac$29.7B-19.4%

Affirm Holdings, Inc.$24.5B+12.3%

The Bancorp$2.8B-5.3%

Upstart Holdings, Inc.$2.6B-66.4%

nCino, Inc.$1.9B-45.1%

Pagaya Technologies$1.4B-40.1%

Repay Holdings Corporation$334.5M-29.8%

NetSol Technologies$51.1M-1.8%

By revenue growth

Upstart Holdings, Inc.+57.7%

Affirm Holdings, Inc.+32.1%

Pagaya Technologies+23.4%

Fair Isaac+22.6%

The Bancorp+17.8%

nCino, Inc.+9.6%

NetSol Technologies+9.0%

By net margin

Fair Isaac33.67%+2.3pp

The Bancorp33.5%-3.8pp

Affirm Holdings, Inc.9.63%+11.7pp

Pagaya Technologies7.39%+42.0pp

Upstart Holdings, Inc.4.34%+13.5pp

NetSol Technologies2.45%+1.2pp

nCino, Inc.2.17%+7.4pp

Profile

Pagaya Technologies is a financial technology company that operates an AI-powered network connecting financial institutions with institutional investors. The company utilizes sophisticated data science and proprietary machine learning models to enhance credit underwriting and facilitate greater access to financial products. Its core value proposition lies in its ability to provide real-time credit decisioning, allowing lenders to approve more customers without increasing their own risk profile.

Competitive position

Pagaya positions itself as a comprehensive utility for lenders, leveraging a massive data set of over $3.6 trillion in processed applications to maintain a competitive edge in predictive underwriting.

GeographiesUnited States, Israel

Customer segmentsFinancial Institutions, Institutional Investors

Business modelB2B2C, Transaction-based, AI-as-a-Service, Asset Management

SuppliersData Providers, Cloud Infrastructure Providers, Capital Markets

CustomersBank Partners, Non-bank Lenders, Institutional Asset Managers, Retail Consumers (indirectly)

CountryIsrael

Listed2022

Employees712.0

CEOGal Krubiner

SectorTechnology

IndustrySoftware - Infrastructure

Websitepagaya.com

FilingsSEC EDGAR

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Questions, answered.

What is Pagaya Technologies's market cap?: Pagaya Technologies (PGY) has a market capitalization of $1.4B and trades on NASDAQ.
What is Pagaya Technologies's revenue and profitability?: Pagaya Technologies generated $1.3B in trailing twelve-month revenue with net income of $98.2M, representing a net margin of 7.4%. Gross margin stands at 42.9%, with free cash flow of $234.1M. These figures are based on the Q1 2026 filing.
Who are Pagaya Technologies's competitors?: Pagaya Technologies's key competitors include Upstart Holdings, Inc., Fair Isaac Corporation, Repay Holdings Corporation Class A Common Stock, and others. These companies compete in similar markets and product categories.
What subsidiaries does Pagaya Technologies have?: Pagaya Technologies's subsidiaries include Pagaya US Holding Company LLC.
Where is Pagaya Technologies headquartered?: Pagaya Technologies is headquartered in Israel and employs approximately 712 people. It has been publicly traded since 2022.