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Pagaya Technologies Ltd. (PGY) Total Return Calculator with Dividends Reinvested

Pagaya Technologies Ltd.

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The total return for Pagaya Technologies Ltd. (PGY) stock is +29.07% over the past 12 months. So far it's down 33.44% this year. The 5-year total return is -87.32%, meaning $10,000 invested in PGY stock 5 years ago would be worth $1,268 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in PGY 1 year ago, it would be worth $13,182 today — you'd have gained $3,182.

With Dividends Reinvested$13,182+31.82%

Price Only (No DRIP)$13,182+31.82%

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in PGY

1Y$12,907+$2,907 (+29.1%)29.1% CAGR

3Y$14,950+$4,950 (+49.5%)14.3% CAGR

5Y$1,268-$8,732 (-87.3%)-33.8% CAGR

10Y$1,236-$8,764 (-87.6%)-18.9% CAGR

15Y$1,236-$8,764 (-87.6%)-13.0% CAGR

20Y$1,236-$8,764 (-87.6%)-9.9% CAGR

30Y$1,236-$8,764 (-87.6%)-6.7% CAGR

Pagaya Technologies Ltd. did not pay dividends during this period. Total return = price return.

Loading PGY total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-33.44%	—	-33.44%	—	$6,656
1Y	+29.07%	29.07%	+29.07%	—	$12,907
3Y	+49.50%	14.34%	+49.50%	—	$14,950
5Y	-87.32%	-33.84%	-87.32%	—	$1,268
10Y	-87.64%	-18.87%	-87.64%	—	$1,236
15Y	-87.64%	-13.01%	-87.64%	—	$1,236
20Y	-87.64%	-9.93%	-87.64%	—	$1,236
30Y	-87.64%	-6.73%	-87.64%	—	$1,236

Risk & Highlights

Best Year+117.03%2025

Worst Year-87.54%2022

Max Drawdown-75.71%2025-09-18 → 2026-02-23

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-49.78%	-49.78%	—	+0.41%	-50.2pp
2025	+117.03%	+117.03%	—	+16.64%	+100.4pp
2024	-40.45%	-40.45%	—	+24.00%	-64.4pp
2023	+25.45%	+25.45%	—	+24.81%	+0.6pp
2022	-87.54%	-87.54%	—	-19.95%	-67.6pp

PGY underperformed the S&P 500 by 2.25pp over the past year (+29.07% vs +31.32%).

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PGY Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
PGYPagaya Technologies Ltd.	$1.1B	+22.2%	-33.4%	+29.1%	—	+49.5%	-87.3%	-87.6%
UPSTUpstart Holdings, Inc.	$2.7B	+6.6%	-37.4%	-44.2%	—	+114.3%	-68.8%	-2.7%
AFRMAffirm Holdings, Inc.	$21.8B	+35.4%	-11.4%	+28.6%	—	+449.2%	+20.5%	-32.6%
PRAAPRA Group, Inc.	$819M	+18.0%	+21.8%	+56.9%	—	-38.1%	-46.8%	-32.6%
ENVAEnova International, Inc.	$4.3B	+24.4%	+6.6%	+86.5%	—	+302.2%	+388.0%	+2009.7%
FICOFair Isaac Corporation	$24.7B	-2.5%	-35.1%	-48.2%	—	+44.9%	+115.9%	+906.5%
LCLendingClub Corporation	$2.0B	+15.7%	-10.8%	+70.6%	—	+148.3%	+20.8%	-51.9%
TREELendingTree, Inc.	$550M	-4.7%	-23.0%	+7.4%	—	+111.1%	-79.3%	-47.5%
OPRTOportun Financial Corporation	$266M	+23.1%	+14.8%	+6.8%	—	+34.5%	-70.6%	-64.1%
ATLCAtlanticus Holdings Corporation	$1.2B	+40.6%	+17.3%	+42.9%	—	+177.4%	+136.2%	+2476.8%
CACCCredit Acceptance Corporation	$5.6B	+22.4%	+18.9%	+8.6%	—	+21.0%	+29.4%	+191.3%

Compare:PGY vs UPST PGY vs AFRM PGY vs PRAA PGY vs UPST vs AFRM

About PGY Dividend Returns

Pagaya Technologies Ltd. (PGY) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of PGY over the past year?

Pagaya Technologies Ltd. (PGY) delivered a return of 29.07% over the past year. Since PGY does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in PGY be worth today?

A $10,000 investment in Pagaya Technologies Ltd. one year ago would be worth $12,907 today, representing a gain of $2,907.

Q3Does PGY pay dividends?

Pagaya Technologies Ltd. (PGY) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For PGY, the total return equals the price-only return.

Q4Did PGY beat the S&P 500?

No, Pagaya Technologies Ltd. (PGY) underperformed the S&P 500 by 2.25 percentage points over the past year. PGY delivered a total return of 29.07%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed PGY by 2.25pp during this period.

Q5What is PGY's worst drawdown?

Pagaya Technologies Ltd. (PGY) experienced a maximum drawdown of -75.71% over the past year, declining from its peak on 2025-09-18 to its trough on 2026-02-23. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is PGY's long-term total return over 10, 20, or 30 years?

Here are Pagaya Technologies Ltd. (PGY)'s long-term returns with dividends reinvested. Over 10 years, the total return is -87.6% (-18.9% CAGR) — $10,000 would have grown to $1,236. Over 20 years: -87.6% total return (-9.9% CAGR) — $10,000 → $1,236. Over 30 years: -87.6% total return (-6.7% CAGR) — $10,000 → $1,236. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was PGY's best and worst year?

Pagaya Technologies Ltd.'s best calendar year was 2025 with a total return of 117.0%. Its worst year was 2022 with a total return of -87.5%. This range shows the volatility investors should expect — the difference between the best and worst year is 204.6 percentage points.