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Pagaya Technologies PGY Debt-to-equity

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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+21.8%
Enterprise value$1.39B+19.3%
P/E12.8×—
P/S1×0.0×

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
Current ratio1.4×-0.1×

Where this comes from

Calculated from Pagaya Technologies’s reported figures.

total debt/total stockholders equity=1×

Based on the most recent quarter.

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 debt-to-equity?
Pagaya Technologies (PGY) reported debt-to-equity of 1× in Q1 2026.
How has Pagaya Technologies's debt-to-equity changed year-over-year?
Pagaya Technologies's debt-to-equity decreased by 8.9% year-over-year, from 1.1× to 1×.
What is the long-term trend for Pagaya Technologies's debt-to-equity?
Over 3 years (2022 to 2025), Pagaya Technologies's debt-to-equity has grown at a 44.5% compound annual growth rate (CAGR), from 0.4× to 1.1×.
What does debt-to-equity mean?
Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.