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Pagaya Technologies PGY Gross margin

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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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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

Calculated from Pagaya Technologies’s reported figures.

gross profit/total revenue=42.9%

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 gross margin?
Pagaya Technologies (PGY) reported gross margin of 42.9% in Q1 2026.
How has Pagaya Technologies's gross margin changed year-over-year?
Pagaya Technologies's gross margin increased by 1.0% year-over-year, from 42.4% to 42.9%.
What is the long-term trend for Pagaya Technologies's gross margin?
Over 4 years (2021 to 2025), Pagaya Technologies's gross margin has grown at a -4.5% compound annual growth rate (CAGR), from 51% to 42.4%.
What does gross margin mean?
Gross profit (revenue minus cost of revenue) as a percentage of revenue, on a trailing-twelve-month basis. Measures how much of each sales dollar survives the direct cost of producing the goods or services sold.