What is Pagaya Technologies's price / book?

Pagaya Technologies (PGY) reported price / book of 1.8× in Q1 2026.

How has Pagaya Technologies's price / book changed year-over-year?

Pagaya Technologies's price / book decreased by 22.8% year-over-year, from 2.4× to 1.8×.

What is the long-term trend for Pagaya Technologies's price / book?

Over 3 years (2022 to 2025), Pagaya Technologies's price / book has grown at a 31.9% compound annual growth rate (CAGR), from 1.5× to 3.5×.

What does price / book mean?

Market capitalization at the quarter end divided by shareholders' equity. The premium (or discount) the market assigns to the company's book equity.

Pagaya Technologies PGY Price / book

Price / book at other companies

Upstart Holdings, Inc.UPST

3.3×-3.1×

Pathward Financial, Inc.CASH

2.3×+0.1×

nCino, Inc.NCNO

2.1×-0.5×

The BancorpTBBK

3.3×+0.2×

OppFiOPFI

2.7×-7.3×

Atlanticus Holdings CorporationATLC

1.2×—

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-9.9%

Enterprise value$1.39B-8.8%

P/E12.8×—

P/S1×-0.4×

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

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.

market cap/total stockholders equity=1.8×

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 price / book?: Pagaya Technologies (PGY) reported price / book of 1.8× in Q1 2026.
How has Pagaya Technologies's price / book changed year-over-year?: Pagaya Technologies's price / book decreased by 22.8% year-over-year, from 2.4× to 1.8×.
What is the long-term trend for Pagaya Technologies's price / book?: Over 3 years (2022 to 2025), Pagaya Technologies's price / book has grown at a 31.9% compound annual growth rate (CAGR), from 1.5× to 3.5×.
What does price / book mean?: Market capitalization at the quarter end divided by shareholders' equity. The premium (or discount) the market assigns to the company's book equity.