What is Pagaya Technologies's net margin?

Pagaya Technologies (PGY) reported net margin of 7.4% in Q1 2026.

How has Pagaya Technologies's net margin changed year-over-year?

Pagaya Technologies's net margin increased by 121.4% year-over-year, from -34.6% to 7.4%.

What is the long-term trend for Pagaya Technologies's net margin?

Over 4 years (2021 to 2025), Pagaya Technologies's net margin has grown at a -24.5% compound annual growth rate (CAGR), from -19.2% to 6.3%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Pagaya Technologies PGY Net margin

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4.3%+2.6pp

Pathward Financial, Inc.CASH

22.7%+0.5pp

nCino, Inc.NCNO

2.2%+1.3pp

The BancorpTBBK

33.5%-3.8pp

Atlanticus Holdings CorporationATLC

21.5%-5.9pp

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

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.

net income/total revenue=7.4%

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 net margin?: Pagaya Technologies (PGY) reported net margin of 7.4% in Q1 2026.
How has Pagaya Technologies's net margin changed year-over-year?: Pagaya Technologies's net margin increased by 121.4% year-over-year, from -34.6% to 7.4%.
What is the long-term trend for Pagaya Technologies's net margin?: Over 4 years (2021 to 2025), Pagaya Technologies's net margin has grown at a -24.5% compound annual growth rate (CAGR), from -19.2% to 6.3%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.