Pagaya Technologies Ltd. (PGY) quarterly balance sheet — complete assets, liabilities & equity history
Pagaya Technologies Ltd. (PGY) balance sheet — 7-year assets, liabilities & shareholders' equity history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Total Current Assets | 509.54M | 1.59B | 1.54B | 1.45B | 1.31B | 362.47M | 355.56M | 351.48M | 298.46M | 361.2M | 399.09M | 303.4M | 377.99M | 421.38M | 399.22M | 419.82M | 439.14M | 472.13M | 531.2K | 246.53M |
| Cash & Short-Term Investments | 305.56M | 1.29B | 1.26B | 1.19B | 1.11B | 204.5M | 206.46M | 195.72M | 158.35M | 235.26M | 275.79M | 188.97M | 252.83M | 306.19M | 292.66M | 310.8M | 330.34M | 419.14M | 150.49K | 200.94M |
| Cash Only | 305.56M | 249.26M | 317.81M | 235.33M | 218.31M | 182.99M | 186.8M | 187.92M | 147.1M | 233.59M | 274.5M | 186.48M | 252.58M | 304.05M | 289.39M | 309.79M | 327.9M | 414.97M | 150.49K | 190.78M |
| Short-Term Investments | 0 | 1.04B | 941.37M | 958.79M | 887.74M | 21.52M | 19.66M | 7.8M | 11.25M | 1.66M | 1.3M | 2.49M | 249K | 2.14M | 3.27M | 1.01M | 2.45M | 4.17M | 0 | 10.16M |
| Accounts Receivable | 203.98M | 190.47M | 170.69M | 195.81M | 154.98M | 127.88M | 123.2M | 127.4M | 98.28M | 93.46M | 94.46M | 87.42M | 71.53M | 68.03M | 58.47M | 59.22M | 52.12M | 35.07M | 0 | 32.33M |
| Days Sales Outstanding | 50.1 | 44.94 | 55.16 | 50.26 | 38.28 | 35.96 | 39.89 | 37.66 | 35.38 | 35.25 | 34.92 | 34.75 | 31.87 | 31 | 30.22 | 28.75 | 21.61 | 19.54 | - | 20.62 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26.28M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | 18.77 | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 114.27M | 114.46M | 57.7M | 46.45M | 23.84M | 25.9M | 20.8M | 33.28M | 23.88M | 28.84M | 20.3M | 27.35M | 47.16M | 22.54M | 42.7M | 34.16M | 11.71M | 0 | 9.92M |
| Total Non-Current Assets | 1.29B | 98.99M | 104.32M | 91.36M | 147.9M | 1.04B | 922.8M | 939.59M | 1.07B | 1.09B | 1.08B | 904.97M | 842.21M | 765.7M | 683.14M | 625.26M | 610.43M | 531.74M | 287.71M | 343.72M |
| Property, Plant & Equipment | 59.5M | 59.98M | 60.38M | 60.8M | 64.57M | 68.17M | 71.51M | 74.85M | 73.45M | 92.26M | 96.39M | 97.29M | 95.27M | 94.78M | 93.3M | 92.74M | 94.57M | 66.77M | 0 | 7.65M |
| Fixed Asset Turnover | 6.06x | 6.08x | 4.93x | 5.12x | 5.12x | 4.55x | 3.86x | 3.72x | 3.01x | 2.57x | 2.45x | 2.19x | 2.12x | 1.97x | 1.88x | 1.90x | 2.30x | 2.45x | - | 18.86x |
| Goodwill | 25.3M | 22.9M | 22.9M | 22.9M | 22.9M | 22.9M | 22.9M | 23.06M | 10.95M | 10.95M | 10.95M | 10.95M | 10.95M | 9.78M | 9.78M | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 4.57M | 4.8M | 6.23M | 7.66M | 9.09M | 10.52M | 11.67M | 12.82M | 638K | 1.27M | 1.91M | 2.55M | 3.19M | 3.83M | 4.47M | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 1.11B | 11.3M | 14.8M | 0 | 14.85M | 868.03M | 762.37M | 778.25M | 937.91M | 936.36M | 919.76M | 740.69M | 691.96M | 614.93M | 530.77M | 488.86M | 468.65M | 401.79M | 287.71M | 292.42M |
| Other Non-Current Assets | 87.8M | 0 | 0 | 0 | 36.48M | 66.94M | 54.35M | 50.6M | 49.38M | 50.95M | 55.08M | 53.51M | 5.46M | 42.39M | 44.82M | 37.98M | 38.72M | 36.1M | 0 | 43.65M |
| Total Assets | 1.8B | 1.69B | 1.65B | 1.55B | 1.46B | 1.4B | 1.28B | 1.29B | 1.37B | 1.45B | 1.48B | 1.21B | 1.22B | 1.19B | 1.08B | 1.05B | 1.05B | 1B | 288.24M | 590.26M |
| Asset Turnover | 0.21x | 0.22x | 0.19x | 0.21x | 0.24x | 0.24x | 0.22x | 0.21x | 0.18x | 0.17x | 0.18x | 0.17x | 0.17x | 0.16x | 0.16x | 0.17x | 0.18x | 0.25x | 0.36x | 0.33x |
| Asset Growth % | 23.56% | 21.02% | 28.97% | 19.74% | 6.17% | -3.71% | -13.81% | 6.84% | 12.34% | 22.4% | 37.03% | 15.63% | 16.26% | 18.25% | 275.51% | 77.05% | 263.73% | 102.57% | -0.24% | 188.96% |
| Total Current Liabilities | 87M | 138.51M | 238.15M | 131.47M | 82.1M | 254.47M | 198.69M | 195.49M | 254.45M | 241.25M | 169.38M | 74.92M | 81.63M | 111.71M | 95.72M | 128.02M | 88.98M | 88.98M | 8.43M | 28.67M |
| Accounts Payable | 4.57M | 4.05M | 3.8M | 3.93M | 5.06M | 9.19M | 10.01M | 6.99M | 5.83M | 7.3M | 3.14M | 1.29M | 1.3M | 3.79M | 2.74M | 1.74M | 2.48M | 2.92M | 0 | 11.58M |
| Days Payables Outstanding | 1.84 | 1.63 | 1.96 | 2.18 | 3.27 | 4.56 | 4.58 | 3.73 | 4.06 | 3.26 | 1.39 | 0.88 | 1.82 | 2.46 | 1.61 | 1.56 | 1.93 | 2.53 | - | 20.96 |
| Short-Term Debt | 0 | 0 | 114.7M | 0 | 0 | 183.17M | 135.81M | 126.83M | 208.21M | 188.97M | 120.8M | 37.69M | 44.19M | 66.11M | 45.81M | 61.83M | 26.25M | 28.01M | 0 | 0 |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 82.43M | 0 | 0 | 23.75M | 43.09M | 0 | 0 | 29.04M | 0 | 0 | 0 | 18.21M | 0 | 0 | 11.68M | 6.42M | 0 | 11.76M | 1.85M | 1.9M |
| Current Ratio | 5.86x | 11.51x | 6.48x | 11.06x | 15.93x | 1.42x | 1.79x | 1.80x | 1.17x | 1.50x | 2.36x | 4.05x | 4.63x | 3.77x | 4.17x | 3.28x | 4.94x | 5.31x | 0.06x | 8.60x |
| Quick Ratio | 5.86x | 11.51x | 6.48x | 11.06x | 15.93x | 1.42x | 1.79x | 1.80x | 1.17x | 1.50x | 2.36x | 4.05x | 4.31x | 3.77x | 4.17x | 3.28x | 4.94x | 5.31x | 0.06x | 8.60x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | - | 48.83 | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 1.04B | 905.81M | 811.34M | 859.1M | 807.34M | 676.59M | 638.87M | 654.03M | 573.55M | 596.15M | 587.89M | 467.7M | 466.73M | 298M | 270.2M | 151.64M | 166.86M | 161.44M | 25.81M | 77.19M |
| Long-Term Debt | 992.48M | 874.93M | 780.68M | 824.27M | 767.46M | 544.46M | 507.79M | 516.92M | 445.69M | 518.09M | 445.4M | 324.03M | 401.61M | 240.47M | 213.43M | 92.8M | 87.5M | 96.27M | 0 | 37.91M |
| Capital Lease Obligations | 29.71M | 0 | 0 | 0 | 32.5M | 29.15M | 28.57M | 30.61M | 27.69M | 39.53M | 41.84M | 43.94M | 41.12M | 43.92M | 46.4M | 49.1M | 53.5M | 31.91M | 0 | 0 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 26.25M | 0 | 0 | 189K | 107K | 107K | 107K | 581K | 570K | 523K | 568K | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 22.47M | 30.88M | 30.66M | 34.83M | 7.38M | 76.72M | 102.51M | 106.5M | 99.97M | 38.42M | 100.55M | 99.63M | 23.42M | 13.04M | 9.85M | 9.17M | 25.85M | 33.26M | 25.81M | 39.28M |
| Total Liabilities | 1.13B | 1.04B | 1.05B | 990.56M | 889.44M | 931.06M | 837.56M | 849.53M | 828M | 837.4M | 757.28M | 542.63M | 548.36M | 409.71M | 365.92M | 279.66M | 255.84M | 250.42M | 34.24M | 105.86M |
| Total Debt | 1.02B | 907.34M | 928M | 858.48M | 802.42M | 763.71M | 678.74M | 680.81M | 687.08M | 753.02M | 614.71M | 412.58M | 493.13M | 357.67M | 313.62M | 212.26M | 176.24M | 162.61M | 0 | 37.91M |
| Net Debt | 716.63M | 658.09M | 610.18M | 623.15M | 584.11M | 580.73M | 491.94M | 492.89M | 539.98M | 519.43M | 340.21M | 226.11M | 240.55M | 53.62M | 24.24M | -97.53M | -151.66M | -252.35M | -150.49K | -152.87M |
| Debt / Equity | 1.53x | 1.40x | 1.55x | 1.55x | 1.42x | 1.63x | 1.54x | 1.54x | 1.27x | 1.22x | 0.85x | 0.62x | 0.73x | 0.46x | 0.44x | 0.28x | 0.22x | 0.22x | - | 0.08x |
| Debt / EBITDA | 11.55x | 10.27x | 14.30x | 11.75x | 10.38x | 13.79x | 14.10x | 17.01x | 23.29x | 62.39x | 43.89x | 24.83x | 92.36x | - | - | - | - | - | - | - |
| Net Debt / EBITDA | 8.10x | 7.45x | 9.40x | 8.53x | 7.55x | 10.49x | 10.22x | 12.32x | 18.30x | 43.04x | 24.29x | 13.61x | 45.06x | - | - | - | - | - | - | - |
| Interest Coverage | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Equity | 666.56M | 648.78M | 599.15M | 555.35M | 565.94M | 467.98M | 440.8M | 441.55M | 542.77M | 615.57M | 725.91M | 665.75M | 671.85M | 777.37M | 716.44M | 765.42M | 793.73M | 753.45M | 254M | 484.4M |
| Equity Growth % | 17.78% | 38.64% | 35.92% | 25.77% | 4.27% | -23.98% | -39.28% | -33.68% | -19.21% | -20.81% | 1.32% | -13.02% | -15.36% | 3.18% | 182.07% | 58.02% | 215.19% | 66.62% | -3.85% | 149.53% |
| Book Value per Share | 6.77 | 6.67 | 6.19 | 5.45 | 6.22 | 5.87 | 5.72 | 5.94 | 7.46 | 8.58 | 11.25 | 10.55 | 10.12 | 12.89 | 12.09 | 13.35 | 26.66 | 35.39 | 14.90 | 29.39 |
| Total Shareholders' Equity | 622.38M | 594.15M | 529.31M | 480.02M | 468.4M | 366.75M | 335.49M | 326.49M | 462.31M | 525.98M | 626.83M | 559.72M | 535.93M | 597.43M | 527.92M | 553.52M | 567.18M | 581.26M | 254M | 308.34M |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 287.5M | 0 |
| Retained Earnings | -742.96M | -792.69M | -837.96M | -862.65M | -896.95M | -919.5M | -936.15M | -944.04M | -706.12M | -638.64M | -563.86M | -542.64M | -528.22M | -506.47M | -475.17M | -414.2M | -380.2M | -276.42M | -33.5M | -111.88M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -53.79M | -21.99M | -32.28M | -48.32M | -45.29M | -33.06M | -27.37M | -11.49M | -90.43M | -71.05M | -24.28M | 444K | 3.98M | 1.96M | -1.26M | -713K | 0 | 0 | 0 | 0 |
| Minority Interest | 44.18M | 54.63M | 69.84M | 75.33M | 97.54M | 101.23M | 105.31M | 115.06M | 80.47M | 89.59M | 99.08M | 106.03M | 135.92M | 179.94M | 188.52M | 211.9M | 226.55M | 172.19M | 0 | 176.06M |