Pagaya Technologies Ltd. (PGY) Earnings History
Annual and quarterly earnings data from 2019 to 2025
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PGY EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
PGY Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 40.6% | 17.7% | 6.5% |
| 2024 | 40.5% | 6.7% | -40.0% |
| 2023 | 34.1% | -3.2% | -16.6% |
| 2022 | 34.2% | -36.7% | -44.1% |
| 2021 | 47.9% | -1.3% | -20.4% |
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Pagaya Technologies Ltd. (PGY) Earnings Overview
As of May 8, 2026, Pagaya Technologies Ltd. (PGY) reported trailing twelve-month net income of $98M, reflecting +116.4% year-over-year growth. The company earned $1.01 per diluted share over the past four quarters, with a net profit margin of 6.5%.
Looking at the long-term picture, PGY's 5-year EPS compound annual growth rate (CAGR) stands at -2.9%, signaling declining earnings. The company achieved its highest annual net income of $81M in fiscal 2025, representing a new all-time high.
Pagaya Technologies Ltd. maintains positive profitability with a gross margin of 40.6%, operating margin of 17.7%, and net margin of 6.5%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including UPST ($49M net income, 5.0% margin), AFRM ($382M net income, 1.6% margin), PRAA (-$305M net income, -24.6% margin), PGY has outperformed on profitability metrics. Compare PGY vs UPST →
PGY Earnings vs Peers
Earnings metrics vs comparable public companies
PGY Historical Earnings Data (2019–2025)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $81M | +120.3% | $224M | $0.93 | 6.5% | 17.7% |
| 2024 | -$401M | -212.5% | $67M | $-5.66 | -40.0% | 6.7% |
| 2023 | -$128M | +57.5% | -$24M | $-2.14 | -16.6% | -3.2% |
| 2022 | -$302M | -231.7% | -$252M | $-7.65 | -44.1% | -36.7% |
| 2021 | -$91M | -729.9% | -$6M | $-4.27 | -20.4% | -1.3% |
| 2020 | $14M | +357.5% | $21M | $1.08 | 15.8% | 23.2% |
| 2019 | -$6M | - | -$4M | $-0.53 | -15.6% | -10.8% |
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Start ComparisonPGY — Frequently Asked Questions
Quick answers to the most common questions about buying PGY stock.
Is PGY growing earnings?
PGY EPS is $1.01, with earnings growth accelerating to +116.4%. This exceeds the 5-year CAGR of -2.9%. TTM net income reached $98M.
What are PGY's profit margins?
Pagaya Technologies Ltd. net margin is +6.5%, with operating margin at +17.7%. Margins sit within typical range for the sector.
How consistent are PGY's earnings?
PGY earnings data spans 2019-2025. The accelerating earnings trend is +116.4% YoY. Historical data enables comparison across business cycles.