Pagaya Technologies Ltd.
Financial ratios & Valuation

Historical Multiples (2019 – 2023)

2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
-222.84110.71-27.89-1.94-7.73N/A41.40
Price/Sales ratio
51.5924.044.340.831.28N/A2.59
Price/Book Value ratio
57.93689.271.50K1.021.77N/A751.07
Price/Cash Flow ratio
-234.68518.1238.93-14.23103.77N/A19.46
Price/Free Cash Flow ratio
-216.53697.9944.90-9.12-93.65N/A22.45
Price/Earnings Growth ratio
N/A-0.360.05-0.020.10N/A0.02
Dividend Yield
N/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
22.61%46.49%47.89%34.18%34.14%N/A41.04%
Operating Profit Margin
-10.80%14.94%-7.74%-45.96%-3.15%N/A3.59%
Pretax Profit Margin
-11.14%23.10%-13.82%-40.32%-23.44%N/A4.64%
Net Profit Margin
-23.15%21.71%-15.59%-42.71%-16.61%N/A3.06%
Effective Tax Rate
-4.27%6.01%-12.77%-5.93%-8.59%N/A-3.37%
Return on Assets
-14.27%9.75%-11.77%-28.01%-10.62%N/A-1.01%
Return On Equity
-25.99%622.56%-5381.03%-52.89%-22.94%N/A-2379.23%
Return on Capital Employed
-6.85%6.85%-6.14%-34.35%-2.15%N/A0.35%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/A
Quick Ratio
12.7517.948.233.104.04N/A5.67
Cash ratio
2.941.186.652.412.48N/A4.53
Days of Sales Outstanding
43.0754.1127.5831.5337.56N/A29.56
Days of Inventory outstanding
N/A3.0416.2518.23N/AN/A17.24
Operating Cycle
43.0757.1643.8349.7737.56N/A46.80
Days of Payables Outstanding
2.004.3218.191.400.92N/A9.80
Cash Conversion Cycle
41.0652.8425.6448.3636.63N/A37.00
Debt Ratios
Debt Ratio
N/AN/A0.060.140.29N/A0.10
Debt Equity Ratio
N/AN/A29.330.270.64N/A14.80
Long-term Debt to Capitalization
N/AN/A0.960.140.36N/A0.55
Total Debt to Capitalization
N/AN/A0.960.210.39N/A0.59
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A
Cash Flow to Debt Ratio
N/AN/A1.31-0.250.02N/A0.65
Company Equity Multiplier
1.8263.83456.851.882.15N/A229.37
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-0.210.040.11-0.050.01N/A0.05
Free Cash Flow / Operating Cash Flow Ratio
1.080.740.861.56-1.10N/A1.21
Cash Flow Coverage Ratio
N/AN/A1.31-0.250.02N/A0.65
Short Term Coverage Ratio
N/AN/AN/A-0.640.25N/AN/A
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/A