What is Pagaya Technologies's change in AP?

Pagaya Technologies (PGY) reported change in AP of $598K in Q1 2026.

How has Pagaya Technologies's change in AP changed year-over-year?

Pagaya Technologies's change in AP decreased by 80.2% year-over-year, from $3.02M to $598K.

What is the long-term trend for Pagaya Technologies's change in AP?

Over 2 years (2021 to 2023), Pagaya Technologies's change in AP has grown at a -79.8% compound annual growth rate (CAGR), from $11M to -$448K.

What does change in AP mean?

Increase or decrease in amounts owed to suppliers — a key working capital component affecting operating cash flow.

Pagaya Technologies PGY Change in AP

Change in AP at other companies

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nCino, Inc.NCNO

$1.15M+140%

OppFiOPFI

-$929K-186%

Atlanticus Holdings CorporationATLC

-$8.2M-240%

Dave, Inc.DAVE

-$1.64M-252%

Affirm Holdings, Inc.AFRM

-$791K—

Other financials

Income statement

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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

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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

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Operating cash flow$43.2M+25.4%

CapEx$3.2M-15.9%

Free cash flow$40.0M+30.5%

Valuation

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Market cap$1.26B-9.9%

Enterprise value$1.39B-8.8%

P/E12.8×—

P/S1×-0.4×

Profitability

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Gross margin42.9%+0.4pp

Operating margin22.3%+12.4pp

Net margin7.4%+4.0pp

FCF margin17.6%—

Returns & leverage

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Return on equity22.7%+12.8pp

Debt / equity1×-0.1×

Current ratio1.4×-0.1×

Where this comes from

Reported directly by Pagaya Technologies in its filing.

Tagged under the XBRL concept us-gaap:IncreaseDecreaseInAccountsPayable.

The official record: Pagaya Technologies’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pagaya Technologies's change in AP?: Pagaya Technologies (PGY) reported change in AP of $598K in Q1 2026.
How has Pagaya Technologies's change in AP changed year-over-year?: Pagaya Technologies's change in AP decreased by 80.2% year-over-year, from $3.02M to $598K.
What is the long-term trend for Pagaya Technologies's change in AP?: Over 2 years (2021 to 2023), Pagaya Technologies's change in AP has grown at a -79.8% compound annual growth rate (CAGR), from $11M to -$448K.
What does change in AP mean?: Increase or decrease in amounts owed to suppliers — a key working capital component affecting operating cash flow.