Skip to content
OpenCapital
Get started

Pagaya Technologies PGY EBITDA margin

EBITDA margin at other companies

Fair Isaac logo
Fair IsaacFICO
51.1%+6.1pp
Upstart Holdings, Inc. logo
Upstart Holdings, Inc.UPST
5.6%+3.3pp
nCino, Inc. logo
nCino, Inc.NCNO
11.1%+7.1pp
OppFi logo
OppFiOPFI
43.3%+3.1pp
Dave, Inc. logo
Dave, Inc.DAVE
36.1%+17.3pp
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
18.3%+18.1pp

Other financials

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

See full
Market cap$1.26B-9.9%
Enterprise value$1.39B-8.8%
P/E12.8×—
P/S1×-0.4×

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×
Current ratio1.4×-0.1×

Where this comes from

Calculated from Pagaya Technologies’s reported figures.

ebitda/total revenue=24.3%

Based on trailing twelve months.

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

Ask your AI about Pagaya Technologies's ebitda margin.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Pagaya Technologies's EBITDA margin?
Pagaya Technologies (PGY) reported EBITDA margin of 24.3% in Q1 2026.
How has Pagaya Technologies's EBITDA margin changed year-over-year?
Pagaya Technologies's EBITDA margin increased by 90.6% year-over-year, from 12.7% to 24.3%.
What is the long-term trend for Pagaya Technologies's EBITDA margin?
Over 4 years (2021 to 2025), Pagaya Technologies's EBITDA margin has grown at a 115.2% compound annual growth rate (CAGR), from -1.1% to 22.6%.
What does EBITDA margin mean?
EBITDA (earnings before interest, taxes, depreciation, and amortization) as a percentage of revenue, trailing twelve months. A proxy for cash operating profitability that strips out capital-structure and non-cash charges.