Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the transaction process. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.
| 매출총이익률 가격 결정력·차별화 | C- | 42.85% | 섹터 49.81% | ▲ 5Y대비 +4% |
| 순이익률 최종 수익성 | B- | 7.39% | 섹터 6.00% | |
| 자기자본이익률(ROE) 자본 효율·경쟁우위 | A- | 21.74% | 섹터 7.42% | |
| 투하자본이익률(ROTC) 해자의 핵심 지표 | A | 13.46% | 섹터 4.64% | |
| 총자산이익률(ROA) 자산 효율 | B | 5.96% | 섹터 3.27% | |
| 레버드 FCF 마진 현금 창출력 | B- | 13.96% | 섹터 10.66% | ▲ 5Y대비 +53% |
| 자산회전율 자산 활용도 | B+ | 0.91x | 섹터 0.63x | ▲ 5Y대비 +11% |
| 지표 | 등급 | 종목 | 섹터중앙 | 섹터대비 |
|---|---|---|---|---|
| P/E Non-GAAP (TTM) | A+ | 5.21 | 25.95 | -80% |
| P/E Non-GAAP (FWD) | A+ | 5.40 | 24.48 | -78% |
| P/E GAAP (TTM) | A | 15.18 | 35.23 | -57% |
| P/E GAAP (FWD) | A | 12.02 | 33.12 | -64% |
| PEG GAAP (TTM) | - | NM | 0.88 | - |
| PEG Non-GAAP (FWD) | A+ | 0.04 | 1.38 | -97% |
| EV / Sales (TTM) | A | 0.86 | 3.71 | -77% |
| EV / Sales (FWD) | A | 0.78 | 3.39 | -77% |
| EV / EBITDA (TTM) | A+ | 3.79 | 19.90 | -81% |
| EV / EBITDA (FWD) | A+ | 2.63 | 14.72 | -82% |
| EV / EBIT (TTM) | A+ | 3.87 | 27.51 | -86% |
| EV / EBIT (FWD) | A+ | 3.27 | 19.35 | -83% |
| Price / Sales (TTM) | A- | 1.00 | 3.64 | -72% |
| Price / Sales (FWD) | A- | 0.93 | 3.32 | -72% |
| Price / Book (TTM) | B | 2.60 | 4.24 | -39% |
| Price / Book (FWD) | A- | 2.34 | 4.87 | -52% |
| Price / Cash Flow (TTM) | A | 5.57 | 18.87 | -70% |
| Price / Cash Flow (FWD) | - | - | 18.88 | - |
| Dividend Yield (TTM) | - | - | 1.13% | - |
| 지표 | 등급 | 종목 | 섹터중앙 | 섹터대비 |
|---|---|---|---|---|
| Revenue Growth (YoY) | B+ | 23.43% | 11.49% | +104% |
| Revenue Growth (FWD) | B | 17.79% | 11.76% | +51% |
| EBITDA Growth (YoY) | A+ | 174.98% | 14.98% | +1068% |
| EBITDA Growth (FWD) | A- | 34.43% | 18.14% | +90% |
| EBIT Growth (YoY) | A | 176.94% | 17.23% | +927% |
| EBIT Growth (FWD) | A+ | 83.73% | 20.68% | +305% |
| EPS Diluted Growth (YoY) | - | NM | 17.34% | - |
| EPS Diluted Growth (FWD) | - | NM | 17.02% | - |
| EPS GAAP Growth (YoY) | - | NM | 13.34% | - |
| EPS GAAP Growth (FWD) | - | NM | 17.45% | - |
| EPS FWD Long Term Growth (3-5Y CAGR) | A+ | 123.00% | 18.65% | +560% |
| Levered FCF Growth (YoY) | B+ | 44.28% | 8.25% | +437% |
| Free Cash Flow Per Share Growth Rate (FWD) | - | - | 16.80% | - |
| Operating Cash Flow Growth (YoY) | A+ | 283.71% | 15.57% | +1722% |
| Operating Cash Flow Growth (FWD) | A | 76.54% | 17.01% | +350% |
| ROE Growth (YoY) | - | NM | 3.35% | - |
| ROE Growth (FWD) | A- | 35.04% | 5.57% | +529% |
| Working Capital Growth (YoY) | A+ | 726.14% | 8.03% | +8937% |
| CAPEX Growth (YoY) | A- | 79.02% | 13.89% | +469% |
| Dividend Per Share Growth (FWD) | - | NM | 5.94% | - |
| 1 Year Dividend Growth Rate (TTM) | - | - | 4.77% | - |
| 지표 | 등급 | 종목 | 섹터중앙 | 섹터대비 |
|---|---|---|---|---|
| Gross Profit Margin (TTM) | C- | 42.85% | 49.81% | -14% |
| EBIT Margin (TTM) | A | 22.28% | 7.54% | +196% |
| EBITDA Margin (TTM) | A- | 22.75% | 12.01% | +89% |
| Net Income Margin (TTM) | B- | 7.39% | 6.00% | +23% |
| Levered FCF Margin (TTM) | B- | 13.96% | 10.66% | +31% |
| Return on Common Equity (TTM) | A- | 21.74% | 7.42% | +193% |
| Return on Total Capital (TTM) | A | 13.46% | 4.64% | +190% |
| Return on Total Assets (TTM) | B | 5.96% | 3.27% | +82% |
| CAPEX / Sales (TTM) | C+ | 2.20% | 2.34% | -6% |
| Asset Turnover Ratio (TTM) | B+ | 0.91x | 0.63x | +45% |
| Cash From Operations (TTM) | B | 247.38M | 150.15M | +65% |
| Cash Per Share (TTM) | B | 3.84 | 2.36 | +63% |
| Net Income Per Employee (TTM) | A | 192.15K | 13.63K | +1310% |
| 지표 | 등급 | 종목 | 섹터중앙 | 섹터대비 |
|---|---|---|---|---|
| 3M Price Performance | B | 48.88% | 23.66% | +107% |
| 6M Price Performance | D+ | -22.90% | 6.21% | - |
| 9M Price Performance | D- | -47.64% | -2.11% | - |
| 1Y Price Performance | C- | -22.25% | 12.86% | - |