Skip to content

Pagaya Technologies PGY Return on invested capital

Return on invested capital at other companies

Fair Isaac logo
Fair IsaacFICO
66.4%+13.8pp
Upstart Holdings, Inc. logo
Upstart Holdings, Inc.UPST
2.7%+1.5pp
nCino, Inc. logo
nCino, Inc.NCNO
2.4%+1.7pp
Dave, Inc. logo
Dave, Inc.DAVE
141.5%+110pp
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
4.4%+2.9pp
Corpay logo
CorpayCPAY
14.2%+0.2pp

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/S-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 / equity-0.1×
Current ratio1.4×-0.1×

Where this comes from

Calculated from Pagaya Technologies’s reported figures.

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 return on invested capital.

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 return on invested capital?
Pagaya Technologies (PGY) reported return on invested capital of 53.1% in Q1 2026.
How has Pagaya Technologies's return on invested capital changed year-over-year?
Pagaya Technologies's return on invested capital increased by 163.2% year-over-year, from 20.2% to 53.1%.
What is the long-term trend for Pagaya Technologies's return on invested capital?
Over 2 years (2023 to 2025), Pagaya Technologies's return on invested capital has grown at a 96.4% compound annual growth rate (CAGR), from -11.9% to 46%.
What does return on invested capital mean?
Net operating profit after tax (operating income taxed at the effective rate) divided by average invested capital (debt plus equity minus cash). Measures the after-tax return on all capital put to work in the business, independent of capital structure.