Pagaya Technologies Ltd. (PGY) P/E Ratio History
UndervaluedTrading at 11.2x vs 5Y avg 14.5x · 50th percentile · Below historical baseline · Data 2025–2026
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P/E Ratio Analysis
As of November 8, 2026, Pagaya Technologies Ltd. (PGY) trades at a price-to-earnings ratio of 11.2x, with a stock price of $17.50 and trailing twelve-month earnings per share of $1.56.
The current P/E is 23% below its 5-year average of 14.5x. Over the past five years, PGY's P/E has ranged from a low of 10.4x to a high of 23.6x, placing the current valuation at the 50th percentile of its historical range.
Compared to the Financial Services sector median P/E of 12.1x, PGY is roughly in line with its sector peers. The sector includes 763 companies with P/E ratios ranging from 0.0x to 190.1x.
The PEG ratio of 0.40 (P/E divided by 116% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, PGY trades at a notable discount to the S&P 500 median P/E of 21.8x. 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
Card Issuers and Fintech Lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 42.2 | 2.94 | +131% | |
| $23B | 11.9 | - | +3587%Best | |
| $493M | 3.1Lowest | - | -535% | |
| $4B | 11.9 | - | +56% | |
| $15B | 18.2 | 0.82Best | +37% | |
| $2B | 8.9 | - | +156% | |
| $516M | 5.2 | - | +443% | |
| $519M | 15.5 | - | +127% | |
| $1B | 7.8 | 0.91 | +25% | |
| $6B | 16.4 | 1.66 | +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 Q3 | Sep 30 2026 | $17.32 | $1.66 | 10.4x | -28% |
| FY2026 Q2 | - | $18.25 | $1.37 | 13.3x | -8% |
| FY2026 Q1 | - | $11.65 | $1.08 | 10.8x | -26% |
| FY2025 Q4 | Dec 31 2025 | $20.90 | $0.89 | 23.6x | +62% |
Average P/E for displayed period: 14.5x
PGY Chart Terminal
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Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
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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 11.2x, based on TTM diluted EPS of $1.56. The 5-year average P/E is 14.5x and the historical range spans 10.4x to 23.6x.
Is PGY stock overvalued or undervalued?
PGY trades at 11.2x P/E, below its 5-year average of 14.5x. At the 50th percentile of its historical range (10.4x–23.6x), the stock is priced at a discount to its own history.
Is PGY stock expensive?
No, PGY is not expensive on a historical basis. The current P/E of 11.2x is below the 5-year average of 14.5x and sits at the 50th percentile of its valuation range.
What is PGY's historical P/E range?
Over the past 5 years, PGY's P/E ratio has ranged from 10.4x to 23.6x, with a median of 13.3x and an average of 14.5x. The current P/E of 11.2x 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 11.2x P/E versus the S&P 500 median of 21.8x. The 49% discount to the market suggests lower growth expectations or perceived higher risk.
How does PGY's valuation compare to Financial Services peers?
Pagaya Technologies Ltd. P/E of 11.2x compares to the Financial Services sector median of 12.1x. 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 0.40, based on a P/E of 11.2x and EPS growth of 116.4%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is PGY's earnings yield?
PGY earnings yield is 8.94%, the inverse of its 11.2x 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.