Pagaya Technologies Ltd. (PGY) P/E Ratio History
Fairly ValuedTrading at 17.9x, near 5Y avg of 17.2x · 50th percentile · In line with own history · Data 2025–2026
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P/E Ratio Analysis
As of June 30, 2026, Pagaya Technologies Ltd. (PGY) trades at a price-to-earnings ratio of 17.9x, with a stock price of $16.63 and trailing twelve-month earnings per share of $1.02.
The current P/E is roughly in line with its 5-year average of 17.2x. Over the past five years, PGY's P/E has ranged from a low of 10.9x to a high of 23.6x, placing the current valuation at the 50th percentile of its historical range.
Compared to the Technology sector median P/E of 28.9x, PGY trades at a 38% discount to its sector peers. The sector includes 355 companies with P/E ratios ranging from 0.0x to 183.6x.
Relative to the broader market, PGY trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PGY DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PGY Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
PGY P/E vs Peers
Payments and fintech infrastructure peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $3B | 77.8 | 5.42 | +131% | |
| $27B | 545.3 | - | +109% | |
| $6B | 20.4 | - | +56% | |
| $27B | 44.4 | 1.62Best | +30% | |
| $2B | 16.7 | - | +156% | |
| $592M | 4.0Lowest | - | +443%Best | |
| $262M | 10.8 | - | +127% | |
| $2B | 17.5 | 2.04 | +25% | |
| $7B | 17.0 | 1.72 | +89% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
PGY Historical P/E Data (2025–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $11.65 | $1.07 | 10.9x | -37% |
| FY2025 Q4 | Dec 31 2025 | $20.90 | $0.89 | 23.6x | +37% |
Average P/E for displayed period: 17.2x
Intrinsic Valuation
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Historical Returns
1+ years return with dividends reinvested.
DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
PGY — Frequently Asked Questions
Quick answers to the most common questions about buying PGY stock.
What is PGY's P/E ratio?
Pagaya Technologies Ltd. (PGY) trailing twelve-month P/E ratio is 17.9x, based on TTM diluted EPS of $1.02. The 5-year average P/E is 17.2x and the historical range spans 10.9x to 23.6x.
Is PGY stock overvalued or undervalued?
PGY trades at 17.9x P/E, near its 5-year average of 17.2x. The 50th percentile ranking within the 10.9x–23.6x historical range places valuation within normal bounds.
Is PGY stock expensive?
PGY is fairly valued relative to its own history. The current P/E of 17.9x is near the 5-year average of 17.2x (50th percentile of historical range).
What is PGY's historical P/E range?
Over the past 5 years, PGY's P/E ratio has ranged from 10.9x to 23.6x, with a median of 23.6x and an average of 17.2x. The current P/E of 17.9x places the stock at the 50th percentile of this range. Full historical data spans 2025–2026.
How does PGY's P/E compare to the S&P 500?
PGY trades at 17.9x P/E versus the S&P 500 median of 25.1x. The 29% discount to the market suggests lower growth expectations or perceived higher risk.
How does PGY's valuation compare to Technology peers?
Pagaya Technologies Ltd. P/E of 17.9x compares to the Technology sector median of 28.9x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is PGY's PEG ratio?
PGY PEG ratio is N/A, based on a P/E of 17.9x and EPS growth of 116.4%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is PGY's earnings yield?
PGY earnings yield is 5.59%, the inverse of its 17.9x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.