PGYPagaya Technologies Ltd.

$19.10-31% 1Y

Is the price fair?

Good

Undemanding: modest expectations priced in and cheap vs its sector.

2 good, 1 without data
What the price assumes~−10% a year

Priced for a decline (~−10% a year). The price bakes in little to no growth.

Vs sector (EV/EBIT)4.6×

Sector median 29.4× across 209 covered peers. EV/EBIT counts debt as part of the price, so a cash-rich and a borrowed company can be compared on the same footing.

All from derived, as of Jun 30, 2026.

Against the whole market›

Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.

P/E (valuation)better than 76% of the market
FCF yieldtop 5% of the market

Where this answer is blind. The growth-implied estimate assumes a fixed discount rate; capital-heavy sectors look structurally rich on it.

What PGY's price assumes

Pagaya Technologies Ltd. trades at 13.8× earnings against 35.0× for the median Software - Infrastructure name, cheaper than its own group.

13.8

Trailing P/E · Software - Infrastructure median 35.0 · cheaper than the typical name in its group

Price / sales
1.15

Price / sales · today's price, trailing year to Jun 30, 2026

Free cash flow yield
16%

Free cash flow yield · Software - Infrastructure median 4.9%

Growth the price implies
−10%

Growth the price implies · What free cash flow would have to do every year for a decade to justify today's price, discounted at 9.0%.

Details›
Price / booktoday's price, trailing year to Jun 30, 2026
2.68
EV / EBITtoday's price, trailing year to Jun 30, 2026
4.62
EV / salestoday's price, trailing year to Jun 30, 2026
1.15
Technology median P/E450 names
34.1
Software - Infrastructure median P/E103 names
35.0
Free cash flow, trailing twelve months
$252M
Market capitalisation83.4 million shares, counted Jul 29, 2026
$1.59B

Multiples from SEC filings and end-of-day closes; implied growth from a reverse discounted cash flow. Group medians across the names Ryufin tracks.

What is it worth?

Today's price against what its own multiples, its cash flow and your growth assumption say it is worth.

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