PGY Valuation

Pagaya Technologies Ltd

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28.670

-1.95(-6.368%)1D

Overview
Forecast
Valuation
Earnings

PGY Relative Valuation

PGY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PGY is overvalued; if below, it's undervalued.

Historical Valuation

Pagaya Technologies Ltd (PGY) is now in the Overvalued zone, suggesting that its current forward PS ratio of 1.59 is considered Overvalued compared with the five-year average of -43.26. The fair price of Pagaya Technologies Ltd (PGY) is between 18.95 to 27.83 according to relative valuation methord. Compared to the current price of 28.67 USD , Pagaya Technologies Ltd is Overvalued By 3.03%.

Relative Value

Fair Zone

18.95-27.83

Current Price：28.67

3.03%

Overvalued

10.56

Trailing

Forward

7.84

EV/EBITDA

Pagaya Technologies Ltd. (PGY) has a current EV/EBITDA of 7.84. The 5-year average EV/EBITDA is -24.64. The thresholds are as follows: Strongly Undervalued below -292.64, Undervalued between -292.64 and -158.64, Fairly Valued between 109.36 and -158.64, Overvalued between 109.36 and 243.36, and Strongly Overvalued above 243.36. The current Forward EV/EBITDA of 7.84 falls within the Historic Trend Line -Fairly Valued range.

10.23

EV/EBIT

Pagaya Technologies Ltd. (PGY) has a current EV/EBIT of 10.23. The 5-year average EV/EBIT is -9.36. The thresholds are as follows: Strongly Undervalued below -80.68, Undervalued between -80.68 and -45.02, Fairly Valued between 26.29 and -45.02, Overvalued between 26.29 and 61.95, and Strongly Overvalued above 61.95. The current Forward EV/EBIT of 10.23 falls within the Historic Trend Line -Fairly Valued range.

1.59

Pagaya Technologies Ltd. (PGY) has a current PS of 1.59. The 5-year average PS is 1.51. The thresholds are as follows: Strongly Undervalued below -4.94, Undervalued between -4.94 and -1.71, Fairly Valued between 4.74 and -1.71, Overvalued between 4.74 and 7.96, and Strongly Overvalued above 7.96. The current Forward PS of 1.59 falls within the Historic Trend Line -Fairly Valued range.

9.10

P/OCF

Pagaya Technologies Ltd. (PGY) has a current P/OCF of 9.10. The 5-year average P/OCF is 20.10. The thresholds are as follows: Strongly Undervalued below -104.91, Undervalued between -104.91 and -42.40, Fairly Valued between 82.61 and -42.40, Overvalued between 82.61 and 145.11, and Strongly Overvalued above 145.11. The current Forward P/OCF of 9.10 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/FCF

Pagaya Technologies Ltd. (PGY) has a current P/FCF of 0.00. The 5-year average P/FCF is -89.17. The thresholds are as follows: Strongly Undervalued below -786.72, Undervalued between -786.72 and -437.95, Fairly Valued between 259.60 and -437.95, Overvalued between 259.60 and 608.37, and Strongly Overvalued above 608.37. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

Pagaya Technologies Ltd (PGY) has a current Price-to-Book (P/B) ratio of 5.95. Compared to its 3-year average P/B ratio of 2.12 , the current P/B ratio is approximately 180.98% higher. Relative to its 5-year average P/B ratio of 2342.72, the current P/B ratio is about -99.75% higher. Pagaya Technologies Ltd (PGY) has a Forward Free Cash Flow (FCF) yield of approximately 5.04%. Compared to its 3-year average FCF yield of -0.77%, the current FCF yield is approximately -754.84% lower. Relative to its 5-year average FCF yield of -0.72% , the current FCF yield is about -797.80% lower.

5.95

P/B

Median3y

2.12

Median5y

2342.72

5.04

FCF Yield

Median3y

-0.77

Median5y

-0.72

Competitors Valuation Multiple

The average P/S ratio for PGY's competitors is 4.23, providing a benchmark for relative valuation. Pagaya Technologies Ltd Corp (PGY) exhibits a P/S ratio of 1.59, which is -62.44% above the industry average. Given its robust revenue growth of 30.97%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PGY.O

Pagaya Technologies Ltd

Slide Insurance Holdings Inc

Alkami Technology Inc

BigBear.ai Holdings Inc

12.12

4.94%

2.08B

Performance Decomposition

Market capitalization of PGY increased by 90.37% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -2.77 to -7.61.

The secondary factor is the Revenue Growth, contributed 30.97%to the performance.

Overall, the performance of PGY in the past 1 year is driven by P/E Change. Which is more unsustainable.

30.97%

242.59M → 317.71M

Revenue Growth

-115.29%

-34.08 → 5.21

Margin Expansion

174.69%

-2.77 → -7.61

P/E Change

90.37%