USD 10.18
↓ -0.7 (-6.43%)
| ticker | 1 day return % | 1 week return % | 1 month return % | 3 months return % | 6 months return % | 1 year return % | 3 years return % | 5 years return % | 10 years return % | maximum return % |
|---|---|---|---|---|---|---|---|---|---|---|
| PGY | -6.4 | -22.6 | -5.6 | -18.6 | -14.7 | -31.0 | -91.6 | -91.5 | -91.5 | -91.5 |
| S&P 500 | 0.0 | 0.1 | 2.9 | 10.1 | 14.6 | 35.7 | 27.8 | 93.4 | 193.5 | 33792.3 |
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| Attribute | Value |
|---|---|
| symbol | PGY |
| name | Pagaya Technologies Ltd. |
| price | 10.18 |
| changes percentage | -6.43 |
| change | -0.70 |
| day low | 10.11 |
| day high | 11.60 |
| year high | 20.51 |
| year low | 8.56 |
| market cap | 740596354 |
| price avg 50 | 11.68 |
| price avg 200 | 12.52 |
| exchange | NASDAQ |
| volume | 5134899 |
| avg volume | 1832018 |
| open | 11.19 |
| previous close | 10.88 |
| eps | -2 |
| pe | -5.09 |
| earnings announcement | 2024-11-12T05:00:00.000+0000 |
| shares outstanding | 72750133 |
| timestamp | 2024-11-13 21:00:01 |
We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001883085 | |||
| revenue | 772814000 | 685414000 | 12.75 |
| gross profit | 263870000 | 234330000 | 12.61 |
| gross profit ratio | 0.34 | 0.34 | -0.13 |
| research and development expenses | 74383000 | 150933000 | -50.72 |
| operating expenses | 327507000 | 549349000 | -40.38 |
| interest income | 38748000 | 57758000 | -32.91 |
| interest expense | 0 | 57758000 | -100.00 |
| ebitda | -24400000 | -270080000 | 90.97 |
| ebitdaratio | -0.03 | -0.46 | 93.12 |
| operating income | -24400000 | -315019000 | 92.25 |
| operating income ratio | -0.03 | -0.46 | 93.13 |
| net income | -128437999 | -292774000 | 56.13 |
| net income ratio | -0.17 | -0.43 | 61.09 |
| eps | -2.14 | -7.65 | 72.03 |
Revenue Growth: revenue increased to 773 million in 2023 from 685 million in 2022 representing a change of 12.75%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 264 million in 2023 from 234 million in 2022 representing a change of 12.61%. This indicates a sales profitability growth, which is a positive sign for the company.
Research and Development (R&D) Expenses: R&D Expenses increased to 74 million in 2023 from 151 million in 2022 representing a change of -50.72%. This shows that the company continues to invest in innovation and product development, which is crucial for long-term growth.
Operating Expenses: Operating Expenses decreased to 328 million in 2023 from 549 million in 2022 representing a change of -40.38%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
Earnings per Share (EPS): EPS increased to -2.14 in 2023 from -2.14 in 2022 representing a change of 72.03%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to -24 million in 2023 from -270 million in 2022 representing a change of 90.97%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Operating Income: Operating income decreased to -24 million in 2023 from -315 million in 2022 representing a change of 92.25%. The decrease in operating income indicates worse operational performance and decreased profitability.
Net Income: Net income decreased to -128 million in 2023 from -293 million in 2022 representing a change of 56.13%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001883085 | |||
| revenue | 257234000 | 242594000 | 6.03 |
| gross profit | 257234000 | 96992000 | 165.21 |
| gross profit ratio | 1 | 0.4 | 150.12 |
| research and development expenses | 16655000 | 21935000 | -24.07 |
| operating expenses | 85885000 | 99715000 | -13.87 |
| interest income | 8735000 | 8193000 | 6.62 |
| interest expense | 0 | 0 | NaN |
| ebitda | 22384000 | 4319000 | 418.27 |
| ebitdaratio | 0.09 | 0.02 | 388.77 |
| operating income | 22384000 | 5027000 | 345.28 |
| operating income ratio | 0.09 | 0.02 | 319.93 |
| net income | -67476000 | -74785000 | 9.77 |
| net income ratio | -0.26 | -0.31 | 14.91 |
| eps | -0.93 | -1.04 | 10.58 |
Revenue Growth: revenue increased to 257 million in 2024Q3 from 243 million in 2024Q2 representing a change of 6.03%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 257 million in 2024Q3 from 97 million in 2024Q2 representing a change of 165.21%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Expenses: Operating Expenses decreased to 86 million in 2024Q3 from 100 million in 2024Q2 representing a change of -13.87%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
Earnings per Share (EPS): EPS increased to -0.93 in 2024Q3 from -0.93 in 2024Q2 representing a change of 10.58%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
Research and Development (R&D) Expenses: R&D Expenses decreased to 17 million in 2024Q3 from 22 million in 2024Q2 representing a change of -24.07%. This shows that the company decreased investment in innovation and product development, which is not a good sign for long-term growth.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 22 million in 2024Q3 from 4 million in 2024Q2 representing a change of 418.27%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Operating Income: Operating income decreased to 22 million in 2024Q3 from 5 million in 2024Q2 representing a change of 345.28%. The decrease in operating income indicates worse operational performance and decreased profitability.
Net Income: Net income decreased to -67 million in 2024Q3 from -75 million in 2024Q2 representing a change of 9.77%. The decrease in net income shows worsen profitability and indicates that the company is generating less profit for each dollar of revenue.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001883085 | |||
| total assets | 1208376000 | 1045079000 | 15.63 |
| total liabilities | 542627000 | 279656000 | 94.03 |
| total equity | 665749000 | 765423000 | -13.02 |
| cash and cash equivalents | 186478000 | 309793000 | -39.81 |
| short term investments | 2490000 | 1007000 | 147.27 |
| long term investments | 794056000 | 488863000 | 62.43 |
| total current assets | 303402000 | 419816000 | -27.73 |
| total non current assets | 904974000 | 625263000 | 44.73 |
| total current liabilities | 74925000 | 128018000 | -41.47 |
| total non current liabilities | 393452000 | 151638000 | 159.47 |
| common stock | 0 | 0 | NaN |
| retained earnings | -542637000 | -414199000 | -31.01 |
| total debt | 486834000 | 212258000 | 129.36 |
Total Assets: Total Assets increased to 1,208 million in 2023 from 1,045 million in 2022 representing a change of 15.63%. Suggesting a growth in asset holdings.
Short Term Investments: Short Term Investments increased to 2 million in 2023 from 1 million in 2022 representing a change of 147.27%. This indicates an increase in short-term investment holdings.
Total Current Liabilities: Total Current Liabilities decreased to 75 million in 2023 from 128 million in 2022 representing a change of -41.47%. This indicates a lower short-term debt burden.
Total Liabilities: Total Liabilities increased to 543 million in 2023 from 280 million in 2022 representing a change of 94.03%. This indicates an increase in overall liabilities.
Total Equity: Total Equity decreased to 666 million in 2023 from 765 million in 2022 representing a change of -13.02%. This indicates a decrease in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 186 million in 2023 from 310 million in 2022 representing a change of -39.81%. This indicates a decrease in available liquid assets.
Total Current Assets: Total Current Assets decreased to 303 million in 2023 from 420 million in 2022 representing a change of -27.73%. This indicates a worsen liquidity position.
Retained Earnings: Retained Earnings decreased to -543 million in 2023 from -414 million in 2022 representing a change of -31.01%. This indicates an accumulated losses.
Total Debt: Total Debt increased to 487 million in 2023 from 212 million in 2022 representing a change of 129.36%. This indicates an increase in overall debt burden.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001883085 | |||
| total assets | 1370775000 | 1452977000 | -5.66 |
| total liabilities | 753750000 | 837403000 | -9.99 |
| total equity | 542775000 | 615574000 | -11.83 |
| cash and cash equivalents | 147099000 | 233593000 | -37.03 |
| short term investments | 0 | 1663000 | -100.00 |
| long term investments | 912131000 | 909762000 | 0.26 |
| total current assets | 298461000 | 361197000 | -17.37 |
| total non current assets | 1072314000 | 1091780000 | -1.78 |
| total current liabilities | 254453000 | 241254000 | 5.47 |
| total non current liabilities | 499297000 | 596149000 | -16.25 |
| common stock | 0 | 0 | NaN |
| retained earnings | -706121000 | -638645000 | -10.57 |
| total debt | 263358000 | 753019000 | -65.03 |
Total Assets: Total Assets decreased to 1,371 million in 2024Q3 from 1,453 million in 2024Q2 representing a change of -5.66%. Suggesting a decrease in asset holdings.
Total Equity: Total Equity decreased to 543 million in 2024Q3 from 616 million in 2024Q2 representing a change of -11.83%. This indicates a decrease in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 147 million in 2024Q3 from 234 million in 2024Q2 representing a change of -37.03%. This indicates a decrease in available liquid assets.
Short Term Investments: Short Term Investments decreased to 0 million in 2024Q3 from 2 million in 2024Q2 representing a change of -100.0%. This indicates a decrease in short-term investment holdings.
Total Current Assets: Total Current Assets decreased to 298 million in 2024Q3 from 361 million in 2024Q2 representing a change of -17.37%. This indicates a worsen liquidity position.
Total Current Liabilities: Total Current Liabilities increased to 254 million in 2024Q3 from 241 million in 2024Q2 representing a change of 5.47%. This indicates a higher short-term debt burden.
Retained Earnings: Retained Earnings decreased to -706 million in 2024Q3 from -639 million in 2024Q2 representing a change of -10.57%. This indicates an accumulated losses.
Total Liabilities: Total Liabilities decreased to 754 million in 2024Q3 from 837 million in 2024Q2 representing a change of -9.99%. This indicates a decrease in overall liabilities.
Total Debt: Total Debt decreased to 263 million in 2024Q3 from 753 million in 2024Q2 representing a change of -65.03%. This indicates a reduction in overall debt burden.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001883085 | |||
| net change in cash | -114535000 | 132501000 | -186.44 |
| operating cash flow | 9577000 | -40000000 | 123.94 |
| free cash flow | -10612000 | -62406000 | 83.00 |
| capital expenditure | -20189000 | -22406000 | 9.89 |
| depreciation and amortization | 19127000 | 6294000 | 203.89 |
| deferred income tax | 0 | 0 | NaN |
| stock based compensation | 71055000 | 241689000 | -70.60 |
| accounts payables | -448000 | -9841000 | 95.45 |
| inventory | 0 | 46453000 | -100.00 |
| acquisitions net | 0 | -5297000 | 100.00 |
| investments in property plant and equipment | -20189000 | -22406000 | 9.89 |
| net cash used for investing activites | -412693000 | -265419000 | -55.49 |
| debt repayment | 207082000 | 116726000 | 77.41 |
| common stock issued | 27892000 | 291872000 | -90.44 |
| common stock repurchased | 0 | 0 | NaN |
| dividends paid | 0 | 0 | NaN |
| net cash used provided by financing activities | 289096000 | 437920000 | -33.98 |
| cash at end of period | 222541000 | 337076000 | -33.98 |
| accounts receivables | 0 | -46453000 | 100.00 |
| cash at beginning of period | 337076000 | 204575000 | 64.77 |
Net Change in Cash: Net Change in Cash decreased to -115 million in 2023 from 133 million in 2022 representing a change of -186.44%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.
Capital Expenditure: Capital Expenditure increased to -20 million in 2023 from -22 million in 2022 representing a change of 9.89%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Accounts Receivables: Accounts Receivables increased to 0 in 2023 from -46 million in 2022 representing a change of 100.0%. This suggests that the company is less capable of collecting payments from its customers.
Operating Cash Flow: Operating Cash Flow increased to 10 million in 2023 from -40 million in 2022 representing a change of 123.94%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to -11 million in 2023 from -62 million in 2022 representing a change of 83.0%. This indicates an increase in cash generated after accounting for capital expenditures.
Stock-Based Compensation: Stock-Based Compensation decreased to 71 million in 2023 from 242 million in 2022 representing a change of -70.6%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.
Accounts Payables: The absolute value of Accounts Payables decreased to 0 million in 2023 from 10 million in 2022 representing a change of 95.45%. This indicates that the company has reduced its outstanding obligations to its suppliers.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001883085 | |||
| operating cash flow | -1504000 | 15491000 | -109.71 |
| free cash flow | 8021000 | 11111000 | -27.81 |
| capital expenditure | 9525000 | -4380000 | 317.47 |
| depreciation and amortization | 7116000 | 7042000 | 1.05 |
| deferred income tax | 82000 | 0 | NaN |
| stock based compensation | 12333000 | 18044000 | -31.65 |
| accounts receivables | 12725000 | 0 | NaN |
| accounts payables | -1464000 | 4186000 | -134.97 |
| inventory | 0 | 0 | NaN |
| acquisitions net | -2815000 | 0 | NaN |
| investments in property plant and equipment | 9525000 | -4380000 | 317.47 |
| net cash used for investing activites | -114205000 | -120401000 | 5.15 |
| debt repayment | 0 | 65878000 | -100.00 |
| common stock issued | -96053000 | 18000 | -533,727.78 |
| common stock repurchased | 0 | 0 | NaN |
| dividends paid | 0 | 0 | NaN |
| net cash used provided by financing activities | -359619000 | 63691000 | -664.63 |
| net change in cash | 0 | -42122000 | 100.00 |
| cash at end of period | 0 | 251062000 | -100.00 |
| cash at beginning of period | 251062000 | 291367000 | -13.83 |
Net Change in Cash: Net Change in Cash increased to 0 million in 2024Q3 from -42 million in 2024Q2 representing a change of 100.0%. Indicating an increased ability to generate cash from the company's operations or its cash flow position.
Stock-Based Compensation: Stock-Based Compensation decreased to 12 million in 2024Q3 from 18 million in 2024Q2 representing a change of -31.65%. This indicates decreased expenses, which is generally considered a positive sign from a financial perspective.
Accounts Payables: The absolute value of Accounts Payables decreased to 1 million in 2024Q3 from 4 million in 2024Q2 representing a change of -134.97%. This indicates that the company has reduced its outstanding obligations to its suppliers.
Operating Cash Flow: Operating Cash Flow decreased to -2 million in 2024Q3 from 15 million in 2024Q2 representing a change of -109.71%. This indicates that the company generated less cash from its core business operations.
Free Cash Flow: Free Cash Flow decreased to 8 million in 2024Q3 from 11 million in 2024Q2 representing a change of -27.81%. This indicates a decrease in cash generated after accounting for capital expenditures.
Capital Expenditure: Capital Expenditure increased to 10 million in 2024Q3 from -4 million in 2024Q2 representing a change of 317.47%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Deferred Income Tax: Deferred Income Tax increased to 0 million in 2024Q3 from 0 million in 2024Q2 representing a change of nan%. This indicates that the company's tax liability for future periods has increased.
Accounts Receivables: Accounts Receivables increased to 13 in 2024Q3 from 0 million in 2024Q2 representing a change of nan%. This suggests that the company is less capable of collecting payments from its customers.
We save you time by utilizing Generative AI to summarize earnings transcripts. Our summaries provide a clear insight into the company's current performance, future outlook, and overall sentiment expressed during the call. Click on below links to explore more.
Note: The years mentioned below are fiscal years in accounting.
Q3 2024 Earnings call transcript
EPS represents the portion of a company's profit allocated to each outstanding share of common stock. A higher EPS is generally favorable, indicating stronger profitability on a per-share basis.
Positive EPS: A positive EPS signifies that a company is profitable, it is generally viewed positively, supporting stock value and investor confidence.
Negative EPS: Indicates that a company is operating at a loss, which could lead to negative sentiment, potential stock depreciation, and concerns about the company's financial health.
The Next Earning Date represents when the company plans to release its next set of financial results.
An upward trend in EPS suggests consistent growth in earnings, often leading to increased investor confidence. A downward trend may indicate a decline in earnings, potentially decreasing investor confidence and stock value. Fluctuating EPS suggests unpredictable financial performance, warranting cautious investor analysis.
Earnings surprise occurs when a company's actual earnings differ from analysts' expectations. A positive earnings surprise typically reflects better-than-expected performance, potentially leading to stock appreciation. Conversely, a negative earnings surprise can result in stock depreciation. An earnings surprise of zero means the earnings met expectations, which typically has a neutral impact on stock price.
Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.
| 2023-12-31 | 2022-12-31 | Y/Y change % | |
|---|---|---|---|
| FY | |||
| calendar year | 2023 | 2022 | NaN |
| revenue per share | 12.88 | 17.92 | -28.14 |
| net income per share | -2.14 | -7.65 | 72.04 |
| operating cash flow per share | 0.16 | -1.05 | 115.26 |
| free cash flow per share | -0.18 | -1.63 | 89.16 |
| cash per share | 3.15 | 8.12 | -61.25 |
| book value per share | 11.09 | 20.01 | -44.56 |
| tangible book value per share | 10.87 | 20.01 | -45.69 |
| shareholders equity per share | 9.33 | 14.47 | -35.55 |
| interest debt per share | 7.26 | 5.55 | 30.83 |
| market cap | 993894503.04 | 569215651.2 | 74.61 |
| enterprise value | 1294250503.04 | 471680651.2 | 174.39 |
| pe ratio | -7.74 | -1.94 | -298.02 |
| price to sales ratio | 1.29 | 0.83 | 54.86 |
| pocfratio | 103.78 | -14.23 | 829.28 |
| pfcf ratio | -93.66 | -9.12 | -926.82 |
| pb ratio | 1.78 | 1.03 | 72.67 |
| ptb ratio | 1.78 | 1.03 | 72.67 |
| ev to sales | 1.67 | 0.69 | 143.36 |
| enterprise value over ebitda | -53.04 | -1.75 | -2,937.20 |
| ev to operating cash flow | 135.14 | -11.79 | 1,246.04 |
| ev to free cash flow | -121.96 | -7.56 | -1,513.61 |
| earnings yield | -0.13 | -0.51 | 74.88 |
| free cash flow yield | -0.01 | -0.11 | 90.26 |
| debt to equity | 0.78 | 0.28 | 178.81 |
| debt to assets | 0.36 | 0.15 | 143.84 |
| net debt to ebitda | -12.31 | 0.36 | -3,508.62 |
| current ratio | 4.05 | 3.28 | 23.48 |
| interest coverage | 0 | -5.45 | 100.00 |
| income quality | -0.07 | 0.14 | -154.58 |
| dividend yield | 0 | 0 | NaN |
| payout ratio | 0 | 0 | NaN |
| sales general and administrative to revenue | 0.26 | 0.43 | -38.70 |
| research and ddevelopement to revenue | 0.1 | 0.22 | -56.29 |
| intangibles to total assets | 0.01 | 0 | NaN |
| capex to operating cash flow | 2.11 | -0.56 | 476.34 |
| capex to revenue | 0.03 | 0.03 | -20.08 |
| capex to depreciation | 1.06 | 3.56 | -70.35 |
| stock based compensation to revenue | 0.09 | 0.35 | -73.93 |
| graham number | 21.19 | 49.92 | -57.55 |
| roic | -0.03 | -0.47 | 94.35 |
| return on tangible assets | -0.11 | -0.28 | 61.63 |
| graham net net | -4.9 | 2.27 | -315.83 |
| working capital | 228477000 | 291798000 | -21.70 |
| tangible asset value | 652254000 | 765423000 | -14.79 |
| net current asset value | -239225000 | 140160000 | -270.68 |
| invested capital | 339258000 | 384538000 | -11.78 |
| average receivables | 69372500 | 46459000 | 49.32 |
| average payables | 1512500 | 6659500 | -77.29 |
| average inventory | 11269500 | 16442000 | -31.46 |
| days sales outstanding | 37.56 | 31.54 | 19.10 |
| days payables outstanding | 0.92 | 1.41 | -34.46 |
| days of inventory on hand | 0 | 18.24 | -100.00 |
| receivables turnover | 9.72 | 11.57 | -16.04 |
| payables turnover | 395.76 | 259.39 | 52.57 |
| inventory turnover | 0 | 20.01 | -100.00 |
| roe | -0.23 | -0.53 | 56.62 |
| capex per share | 0.34 | 0.59 | -42.57 |
ROE: Return on Equity (ROE) increased to -0.23 on 2023-12-31 from -0.53 on 2022-12-31, representing a change of 56.62%. However, ROE is <= 5%, suggesting that the company has not been generating high returns for its shareholders.
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to -7.74 on 2023-12-31 from -1.94 on 2022-12-31, representing a change of -298.02%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio increased to 4.05 on 2023-12-31 from 3.28 on 2022-12-31, representing a change of 23.48%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
Debt-to-Equity Ratio: Debt-to-Equity Ratio increased to 0.78 on 2023-12-31 from 0.28 on 2022-12-31, representing a change of 178.81%. The debt-to-equity ratio has been increasing, indicating that the company has been relying more on debt financing. Higher leverage may increase financial risk. However, a ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
| 2024-09-30 Q3 | 2024-06-30 Q2 | Q/Q change % | |
|---|---|---|---|
| PGY | |||
| calendar year | 2024 | 2024 | NaN |
| revenue per share | 3.54 | 3.38 | 4.63 |
| net income per share | -0.93 | -1.04 | 10.97 |
| operating cash flow per share | -0.02 | 0.22 | -109.58 |
| free cash flow per share | 0.11 | 0.15 | -28.77 |
| cash per share | 2.02 | 3.28 | -38.30 |
| book value per share | 8.48 | 8.58 | -1.09 |
| tangible book value per share | 8.32 | 8.41 | -0.98 |
| shareholders equity per share | 6.36 | 7.33 | -13.27 |
| interest debt per share | 3.62 | 9.85 | -63.25 |
| market cap | 768742010.19 | 956639233.72 | -19.64 |
| enterprise value | 885001010.19 | 1476065233.72 | -40.04 |
| pe ratio | -2.85 | -3.2 | 10.94 |
| price to sales ratio | 2.99 | 3.94 | -24.21 |
| pocfratio | -511.13 | 61.75 | -927.68 |
| pfcf ratio | 95.84 | 86.1 | 11.32 |
| pb ratio | 1.66 | 1.82 | -8.57 |
| ptb ratio | 1.66 | 1.82 | -8.57 |
| ev to sales | 3.44 | 6.08 | -43.46 |
| enterprise value over ebitda | 39.54 | 341.76 | -88.43 |
| ev to operating cash flow | -588.43 | 95.29 | -717.55 |
| ev to free cash flow | 110.34 | 132.85 | -16.95 |
| earnings yield | -0.09 | -0.08 | -12.28 |
| free cash flow yield | 0.01 | 0.01 | -10.17 |
| debt to equity | 0.57 | 1.34 | -57.62 |
| debt to assets | 0.19 | 0.49 | -60.52 |
| net debt to ebitda | 5.19 | 120.27 | -95.68 |
| current ratio | 1.17 | 1.5 | -21.66 |
| interest coverage | 0 | 0 | NaN |
| income quality | 0.02 | -0.21 | 107.84 |
| dividend yield | 0 | 0 | NaN |
| payout ratio | 0 | 0 | NaN |
| sales general and administrative to revenue | 0.22 | 0.27 | -15.44 |
| research and ddevelopement to revenue | 0.06 | 0.09 | -28.39 |
| intangibles to total assets | 0.01 | 0.01 | 0.47 |
| capex to operating cash flow | -6.33 | 0.28 | -2,339.87 |
| capex to revenue | 0.04 | 0.02 | 105.09 |
| capex to depreciation | 1.34 | 0.62 | 115.20 |
| stock based compensation to revenue | 0.05 | 0.07 | -35.54 |
| graham number | 11.52 | 13.11 | -12.13 |
| roic | 0.03 | 0.0 | 439.98 |
| return on tangible assets | -0.05 | -0.05 | 4.36 |
| graham net net | -8.34 | -7.41 | -12.51 |
| working capital | 44008000 | 119943000 | -63.31 |
| tangible asset value | 605442000 | 603354000 | 0.35 |
| net current asset value | -455289000 | -476206000 | 4.39 |
| invested capital | 129037000 | 224422000 | -42.50 |
| average receivables | 46730000 | 93960000 | -50.27 |
| average payables | 6569000 | 5219500 | 25.85 |
| average inventory | 0 | 0.5 | -100.00 |
| days sales outstanding | 0 | 34.67 | -100.00 |
| days payables outstanding | 0 | 4.51 | -100.00 |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 0 | 2.6 | -100.00 |
| payables turnover | 0 | 19.94 | -100.00 |
| inventory turnover | 0 | 0 | NaN |
| roe | -0.15 | -0.14 | -2.65 |
| capex per share | 0.13 | 0.06 | 114.59 |
ROE: Return on Equity (ROE) decreased to -0.15 on 2024-09-30 Q3 from -0.14 on 2024-06-30 Q2, representing a change of -2.65%. Suggesting that the company has not been generating high returns for its shareholders.
PE Ratio: Price-to-Earnings (P/E) Ratio increased to -2.85 on 2024-09-30 Q3 from -3.20 on 2024-06-30 Q2, representing a change of 10.94%. Indicating an increase in the relative valuation of the company's stock.
Debt-to-Equity Ratio: Debt-to-Equity Ratio decreased to 0.57 on 2024-09-30 Q3 from 1.34 on 2024-06-30 Q2, representing a change of -57.62%. The debt-to-equity ratio has been decreasing, indicating that the company has been relying less on debt financing. A ratio of 1 or below is often considered healthy and indicates that the company's total debt is equal to or less than its total equity.
Current Ratio: Current Ratio decreased to 1.17 on 2024-09-30 Q3 from 1.50 on 2024-06-30 Q2, representing a change of -21.66%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. However, it is still above 1, indicating the ability to cover short-term obligations.
None
| Market Capitalization | Enterprise Value | |
|---|---|---|
| Definition | The total market value of a company's outstanding shares | The total market value of a company, including its debt and other liabilities |
| Calculation | Current share price * Total number of outstanding shares | Market capitalization + Total debt - Cash and cash equivalents |
| Focus | Equity component of a company's value | Total economic value of a company |
| Usefulness | Assesses a company's size and growth potential based on investor sentiment | Provides a more comprehensive valuation that considers both equity and debt |
Analyzing dividends is a crucial aspect of investment evaluation, offering valuable insights into a company's financial health and its commitment to shareholder returns. Dividends represent a portion of a company's profits distributed to its shareholders, providing a steady income stream. We help you analyze dividends based on the indicators mentioned below:
• Investors often assess the average dividend amount, observing trends over time to gauge the company's stability and growth potential. A positive trend in average dividends indicates a consistent and potentially lucrative investment. Additionally, evaluating the trend of dividend increases provides insight into the company's financial strength and management's confidence in future earnings.
• Consistency in paying dividends is a reassuring sign, reflecting a company's reliability and commitment to shareholder value. For investors, dividends not only offer income but also contribute to the overall total return on investment.
• Companies with a history of regular and increasing dividends can attract income-focused investors seeking stable returns, making dividends a critical factor in building a well-rounded investment portfolio.
Interested in the overall sentiment for a particular period? Check out our news sentiment analysis tool.
Sentiment: Neutral
Publish Date: 2024-11-13 11:00:53
The mean of analysts' price targets for Pagaya Technologies Ltd. (PGY) points to an 110.4% upside in the stock.
Sentiment: Positive
Publish Date: 2024-11-12 12:33:40
Pagaya Technologies Ltd. is a fintech company leveraging AI and data analytics to enhance consumer credit and real estate solutions, showing significant growth despite recent stock volatility. The company reported a record Q3 revenue of $257 million, driven by a 24% increase in fee revenue and 11% network volume growth. Despite a net loss due to non-cash items, Pagaya achieved a record adjusted EBITDA of $56 million, with a margin surge to 21.8%.
Sentiment: Positive
Publish Date: 2024-11-12 11:00:44
While the top- and bottom-line numbers for Pagaya Technologies Ltd. (PGY) give a sense of how the business performed in the quarter ended September 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Sentiment: Neutral
Publish Date: 2024-11-12 10:56:02
Pagaya Technologies Ltd. (NASDAQ:PGY ) Q3 2024 Earnings Conference Call November 12, 2024 8:30 AM ET Company Participants Josh Fagen - Head of Investor Relations Gal Krubiner - Chief Executive Officer Sanjiv Das - President Evangelos Perros - Chief Financial Officer Conference Call Participants Joseph Vafi - Canaccord Genuity Mark Palmer - Benchmark John Hecht - Jefferies Steven Kwok - KBW David Scharf - Citizens JMP Hal Goetsch - B.
Sentiment: Positive
Publish Date: 2024-11-12 09:45:35
Pagaya Technologies Ltd. (PGY) came out with quarterly earnings of $0.44 per share, beating the Zacks Consensus Estimate of $0.25 per share.
Sentiment: Positive
Publish Date: 2024-11-12 07:19:00
NEW YORK & TEL AVIV, Israel--(BUSINESS WIRE)--Pagaya Technologies Ltd. (NASDAQ: PGY) (“Pagaya”, the “Company” or “we”), a global technology company delivering artificial intelligence infrastructure for the financial ecosystem, today announced financial results for the third quarter and nine months ended 2024. For additional information, view Pagaya's third quarter 2024 letter to shareholders here. "We delivered another set of strong results, with a laser-focus on profitable, sustainable growth,.
Sentiment: Positive
Publish Date: 2024-11-11 12:45:19
Pagaya Technologies Ltd. (PGY) saw its shares surge in the last session with trading volume being higher than average.
Sentiment: Positive
Publish Date: 2024-11-07 09:50:28
If you are looking for stocks that have gained strong momentum recently but are still trading at reasonable prices, Pagaya Technologies Ltd. (PGY) could be a great choice.
Sentiment: Positive
Publish Date: 2024-11-06 08:30:00
NEW YORK--(BUSINESS WIRE)--Pagaya Technologies LTD. (NASDAQ: PGY) ("Pagaya" or “the Company”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced the closing of PAID 2024-10 and RPM 2024-3, totaling $1 billion in size across both deals. This represents the Company's fourth AAA-rated personal loan ABS transaction and its first AA-rated auto ABS transaction. A total of 28 unique investors participated across these two transactions, the.
Sentiment: Neutral
Publish Date: 2024-11-01 19:16:23
The latest trading day saw Pagaya Technologies Ltd. (PGY) settling at $11.68, representing a +1.39% change from its previous close.
Sentiment: Positive
Publish Date: 2024-11-01 05:00:00
This disruptive tech stock is making waves in the financial industry.
Sentiment: Negative
Publish Date: 2024-10-31 16:38:00
NEW YORK--(BUSINESS WIRE)--Pagaya Technologies Ltd. (“Pagaya” or the “Company”), a global technology company delivering AI-driven product solutions for the financial ecosystem, announced today that the Company's management team will participate in the following investor conferences: Citizens JMP Financial Services Conference Date: November 12, 2024 Location: New York, NY KBW Fintech Conference Date: November 14, 2024 Location: New York, NY Wedbush Disruptive Finance Conference Date: November 22.
Sentiment: Positive
Publish Date: 2024-10-29 18:18:00
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to nine classes of notes issued by Pagaya AI Debt Grantor Trust 2024-10 and Pagaya AI Debt Trust 2024-10 (collectively “PAID 2024-10”), an unsecured consumer loan ABS transaction. PAID 2024-10 has initial hard credit enhancement levels of 71.28% for the Class A Notes to 2.51% for the Class F Notes. Credit enhancement is comprised of overcollateralization, subordination (except for the Class F Notes), a cash reserve account funded at cl.
Sentiment: Positive
Publish Date: 2024-10-28 08:30:00
NEW YORK--(BUSINESS WIRE)--Pagaya Technologies LTD. (NASDAQ: PGY) ("Pagaya" or “the Company”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced the completion of its acquisition of Theorem Technology, Inc. (“Theorem”), a machine-learning underwriting technology company that has powered billions of dollars of credit across its network since its founding in 2014. With a combined credit fund platform exceeding $3 billion in AUM, the tr.
Sentiment: Positive
Publish Date: 2024-10-25 13:47:00
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to five classes of notes issued by Research-Driven Pagaya Motor Asset Trust 2024-3 and Research-Driven Pagaya Motor Trust 2024-3 (collectively “RPM 2024-3”), an auto loan ABS transaction. RPM 2024-3 has initial credit enhancement levels of 45.05% for the Class A notes to 0.45% for the Class E notes. Credit enhancement is comprised of overcollateralization, subordination of junior note classes (except for the Class E notes), a cash rese.
Sentiment: Positive
Publish Date: 2024-10-25 10:56:12
The consensus price target hints at a 97.7% upside potential for Pagaya Technologies Ltd. (PGY). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.
Sentiment: Neutral
Publish Date: 2024-10-22 16:30:00
NEW YORK--(BUSINESS WIRE)--Pagaya Technologies (NASDAQ: PGY) intends to announce its third quarter 2024 earnings on November 12, 2024. A conference call to discuss those earnings will be held on the same day at 8:30 a.m. ET / 3:30 p.m. IST. Details to register for the live webcast presentation will be available on Pagaya's IR website located at investor.pagaya.com. The webcast replay will be available on the IR website following the conclusion of the event. About Pagaya Technologies Pagaya (NAS.
Sentiment: Positive
Publish Date: 2024-10-09 13:46:23
LendingClub and AI lending network Pagaya have acquired Tally Technologies' intellectual property. Tally, a FinTech that helped consumers manage credit card debt, closed its doors in August.
Sentiment: Positive
Publish Date: 2024-10-09 09:00:00
LendingClub to leverage Tally's credit management solutions to benefit the bank's 5 million members Pagaya adds Tally's B2B credit management solution to its product suite offering for its over 30 lending partners SAN FRANCISCO and NEW YORK , Oct. 9, 2024 /PRNewswire/ -- LendingClub Corporation (NYSE: LC), operator of America's leading digital marketplace bank, and Pagaya Technologies LTD (NASDAQ: PGY), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced that they partnered together to acquire the intellectual property behind Tally Technologies, Inc. ("Tally"). Tally's innovative technology simplified credit card management, helping users optimize payments, reduce interest, and improve credit health.
Sentiment: Positive
Publish Date: 2024-10-01 13:50:17
Pagaya Technologies Ltd. (PGY) witnessed a jump in share price last session on above-average trading volume.
* The sentiment analysis presented is generated through an algorithm and may be subject to inaccuracies. Users are advised to corroborate key information and employ further analytical methods prior to making critical decisions.
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| Indicator | Bullish | Bearish |
|---|---|---|
| Price and EMA ⓘ | Price crosses above EMA | Price crosses below EMA |
| Short-Term vs Long-Term EMA ⓘ | Short EMA crosses above Long EMA | Short EMA crosses below Long EMA |
| Volume ⓘ | Increasing volume during price uptrend | Increasing volume during price downtrend |
| MACD ⓘ | MACD crosses above Signal Line | MACD crosses below Signal Line |
| RSI ⓘ | RSI is below 30 (oversold) and starts to rise above 30 | RSI is above 70 (overbought) and starts to decline below 70 |
| Candlestick Patterns ⓘ | Bullish candlestick patterns | Bearish candlestick patterns |
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