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Pagaya Technologies PGY Earnings yield

Earnings yield at other companies

Fair IsaacFICO

3%+1.7pp

Upstart Holdings, Inc.UPST

2%+1.4pp

Open Lending CorporationLPRO

-60.3%—

Pathward Financial, Inc.CASH

9.7%-0.8pp

nCino, Inc.NCNO

0.7%+0.4pp

The BancorpTBBK

10.2%+1.6pp

Other financials

Income statement

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

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

Operating cash flow$43.2M+25.4%

CapEx$3.2M-15.9%

Free cash flow$40.0M+30.5%

Valuation

Market cap$1.28B-8.3%

Enterprise value$1.41B-7.3%

P/E13.1×—

P/S1×-0.3×

Profitability

Gross margin42.9%+0.4pp

Operating margin22.3%+12.4pp

Net margin7.4%+4.0pp

FCF margin17.6%—

Returns & leverage

Return on equity22.7%+12.8pp

Debt / equity1×-0.1×

Current ratio1.4×-0.1×

Where this comes from

Calculated from Pagaya Technologies’s reported figures.

net income/market cap=10.2%

Based on trailing twelve months.

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 earnings yield?: Pagaya Technologies (PGY) reported earnings yield of 10.2% in Q1 2026.
How has Pagaya Technologies's earnings yield changed year-over-year?: Pagaya Technologies's earnings yield increased by 121.6% year-over-year, from -47.2% to 10.2%.
What is the long-term trend for Pagaya Technologies's earnings yield?: Over 3 years (2022 to 2025), Pagaya Technologies's earnings yield has grown at a -48.7% compound annual growth rate (CAGR), from -35.8% to 4.8%.
What does earnings yield mean?: Trailing-twelve-month net income divided by market capitalization at the quarter end — the inverse of the P/E ratio, expressed as a percentage.