Last 27 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.19 | 8.33 | 9.31 | 10.04 | 14.51 | 32.27 | 26.65 | 27.26 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | -74.2% | -65.1% | -63.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 1.07 | 1.18 | 1.21 | 0.94 | 1.66 | 1.99 | 1.34 | 0.71 | 0.63 | 0.77 | 0.94 | 0.69 | 1.24 | 1.56 | 1.36 | 1.03 | 1.20 | 0.87 | 1.63 | 3.20 | 3.40 |
| — | -40.8% | -9.2% | +32.0% | +164.9% | +157.9% | +41.6% | +3.9% | -49.6% | -50.6% | -30.8% | -33.6% | +3.7% | +79.3% | -16.5% | -67.6% | -64.8% | -76.9% | -67.9% | — | — | |
| P/B Ratio | 2.62 | 2.56 | 2.74 | 1.88 | 3.84 | 4.78 | 3.63 | 1.83 | 1.56 | 1.42 | 1.49 | 0.90 | 1.57 | 1.87 | 1.30 | 1.01 | 1.11 | 0.81 | 1.42 | 7.97 | 4.05 |
| — | -46.4% | -24.6% | +2.7% | +145.3% | +237.2% | +144.0% | +104.1% | -0.4% | -24.4% | +14.1% | -11.3% | +40.9% | +129.9% | -8.0% | -87.3% | -72.5% | -89.4% | -65.8% | — | — | |
| P/FCF | 6.20 | 9.32 | 6.23 | 7.04 | 6.94 | 10.59 | 7.93 | 6.59 | 7.64 | — | 46.58 | 12.96 | 18.26 | 28.39 | — | — | — | — | — | — | 71.12 |
| — | -12.0% | -21.5% | +6.9% | -9.2% | — | -83.0% | -49.2% | -58.1% | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 6.58 | 6.84 | 6.89 | 6.69 | 9.42 | 10.63 | 10.29 | 6.75 | 7.39 | 11.09 | 29.73 | 17.70 | 19.13 | 70.18 | — | — | — | — | — | — | — |
| — | -35.6% | -33.1% | -0.9% | +27.4% | -4.2% | -65.4% | -61.9% | -61.4% | -84.2% | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | 9.26 | 7.19 | 14.75 | 15.90 | 31.19 | 101.92 | 26.45 | — | 10.56 | 22.67 | — | — | 104.71 | — | — | — | — | — | — | — | — |
| — | -92.9% | -44.3% | — | +195.3% | +349.6% | — | — | -89.9% | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 40.6% | 40.4% | 40.2% | 40.6% | 40.8% | 41.0% | 39.7% | 40.9% | 42.6% | 40.2% | 40.0% | 38.9% | 36.1% | 36.1% | 35.0% | 28.6% | 30.0% | 30.4% | 35.7% | 41.7% | 64.8% |
| — | -1.3% | +1.1% | -0.7% | -4.2% | +1.9% | -0.6% | +5.2% | +18.1% | +11.6% | +14.1% | +35.7% | +20.3% | +18.5% | -1.9% | -31.3% | -53.7% | -16.0% | +11.3% | -8.4% | +26.1% | |
| Operating Margin | 17.7% | 23.3% | 23.1% | 20.4% | 20.5% | 20.5% | 15.0% | 14.3% | 11.5% | 9.0% | 2.1% | 3.2% | 5.1% | 0.1% | -5.5% | -14.3% | -15.0% | -34.6% | -92.2% | -6.3% | -1.5% |
| — | +13.4% | +53.5% | +42.9% | +78.4% | +128.3% | +625.8% | +340.4% | +127.4% | +11068.4% | +137.6% | +122.8% | +133.8% | +100.2% | +94.0% | -125.4% | -888.8% | -399.3% | -919.9% | +37.1% | -105.9% | |
| Net Margin | 6.5% | 13.7% | 12.4% | 8.3% | 10.7% | 6.6% | 5.2% | 2.8% | -86.3% | -27.1% | -30.8% | -9.0% | -6.9% | -10.8% | -16.9% | -34.8% | -19.1% | -40.3% | -107.3% | -11.5% | -7.2% |
| — | +107.0% | +136.2% | +195.8% | +112.4% | +124.5% | +117.0% | +131.2% | -1159.6% | -150.7% | -82.9% | +74.3% | +64.1% | +73.2% | +84.3% | -201.5% | -163.3% | -83.4% | -1584.2% | +59.7% | -144.1% |
| Metric | TTM | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.3% | 7.6% | 7.3% | 4.3% | 6.1% | 4.4% | 3.7% | 1.8% | -48.3% | -11.7% | -11.1% | -3.0% | -2.2% | -3.0% | -4.2% | -8.2% | -4.4% | -9.7% | -34.8% | -4.9% | -2.8% |
| — | +73.4% | +98.0% | +139.1% | +112.7% | +137.4% | +132.9% | +158.7% | -2142.4% | -288.1% | -166.1% | +62.9% | +50.6% | +68.9% | +88.0% | -66.3% | -53.5% | -20.9% | -2021.5% | +56.8% | -192.3% | |
| ROA | 5.7% | 2.8% | 2.7% | 1.5% | 2.3% | 1.6% | 1.2% | 0.6% | -17.9% | -4.8% | -5.1% | -1.6% | -1.2% | -1.8% | -2.8% | -5.7% | -3.2% | -7.3% | -27.1% | -4.2% | -2.4% |
| — | +80.3% | +117.8% | +151.6% | +112.8% | +133.1% | +124.4% | +139.0% | -1405.5% | -164.5% | -84.7% | +72.5% | +63.4% | +75.2% | +89.8% | -37.8% | -36.4% | -1.4% | -1711.6% | +60.9% | -181.4% | |
| ROIC | 15.9% | 4.7% | 5.0% | 3.8% | 4.2% | 4.8% | 3.6% | 3.2% | 2.4% | 1.5% | 0.3% | 0.6% | 0.9% | 0.0% | -1.0% | -2.7% | -3.1% | -8.4% | -29.9% | -2.6% | -0.6% |
| — | -1.2% | +39.1% | +18.2% | +80.0% | +214.0% | +955.9% | +450.9% | +166.5% | +10792.1% | +135.1% | +122.1% | +129.0% | +100.2% | +96.7% | -3.7% | -443.5% | -350.7% | -1395.2% | +16.0% | -115.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.55 | 1.53 | 1.40 | 1.55 | 1.55 | 1.42 | 1.63 | 1.54 | 1.54 | 1.27 | 1.22 | 0.85 | 0.62 | 0.73 | 0.46 | 0.44 | 0.28 | 0.22 | 0.22 | — | 0.08 |
| — | +8.2% | -14.3% | +0.6% | +0.3% | +12.0% | +33.4% | +81.8% | +148.8% | +72.5% | +165.9% | +93.4% | +123.5% | +230.6% | +113.2% | — | +254.4% | — | — | — | — | |
| Debt / EBITDA | 3.38 | 11.55 | 10.27 | 14.30 | 11.75 | 10.38 | 13.79 | 14.10 | 17.01 | 23.29 | 62.39 | 43.89 | 24.83 | 92.36 | — | — | — | — | — | — | — |
| — | +11.3% | -25.5% | +1.4% | -30.9% | -55.4% | -77.9% | -67.9% | -31.5% | -74.8% | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 11.06 | 5.86 | 11.51 | 6.48 | 11.06 | 15.93 | 1.42 | 1.79 | 1.80 | 1.17 | 1.50 | 2.36 | 4.05 | 4.63 | 3.77 | 4.17 | 3.28 | 4.94 | 5.31 | 0.06 | 8.60 |
| — | -63.2% | +708.0% | +262.4% | +515.4% | +1257.8% | -4.9% | -24.1% | -55.6% | -74.7% | -60.3% | -43.5% | +23.5% | -6.2% | -28.9% | +6517.6% | -61.9% | +557.2% | -17.3% | -99.3% | -52.3% | |
| Quick Ratio | 11.06 | 5.86 | 11.51 | 6.48 | 11.06 | 15.93 | 1.42 | 1.79 | 1.80 | 1.17 | 1.50 | 2.36 | 4.05 | 4.31 | 3.77 | 4.17 | 3.28 | 4.94 | 5.31 | 0.06 | 8.60 |
| — | -63.2% | +708.0% | +262.4% | +515.4% | +1257.8% | -4.9% | -24.1% | -55.6% | -72.8% | -60.3% | -43.5% | +23.5% | -12.7% | -28.9% | +6517.6% | -61.9% | +557.2% | -17.3% | -99.3% | -52.3% | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 27 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying PGY stock.
Pagaya Technologies Ltd.'s current P/E is 11.2x. The average P/E over the last 4 quarters is 10.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Pagaya Technologies Ltd.'s current operating margin is 17.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Pagaya Technologies Ltd.'s business trajectory between earnings reports.