PGYPagaya Technologies Ltd.

Technology

$19.10-31% 1Y

$19.10

$10.6452 weeks$29.52

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%.