Pagaya Technologies Ltd.

NASDAQ•PGY

CEO: Mr. Gal Krubiner

セクター: Technology

業種: Software - Infrastructure

上場日: 2021-04-21

Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial institutions and investors in the United States, Israel, the Cayman Islands, and internationally. The company develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include high-growth financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. Pagaya Technologies Ltd. was incorporated in 2016 and is headquartered in New York, New York.

連絡先情報

90 Park Avenue, 20th Floor, New York, NY, 10016, United States

646-710-7714

pagaya.com

時価総額

$939.02M

PER (TTM)

11.8

42.4

配当利回り

52週高値

$44.99

52週安値

$8.50

52週レンジ

順位48Top 64.4%

3.3

F-Score

改良版 Piotroski 分析

6年ファンダメンタル

弱い • 3.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2020-2025

財務ダッシュボード

Q4 2025 データ

売上高

$321.04M+0.00%

直近4四半期の推移

EPS

$0.42+0.00%

直近4四半期の推移

フリーCF

$76.71M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Profitability Reversal Achieved Net income reached $81.4M USD, successfully reversing prior year net loss of $401.4M USD through operational improvements.

Revenue from Fees Growth Revenue from fees grew 26% to $1.261B USD, primarily due to $215.2M USD increase in Network AI integration fees.

Adjusted EBITDA Strong Increase Adjusted EBITDA reached $371.0M USD, a substantial increase from $210.4M USD, reflecting improved operational efficiency initiatives.

Liquidity Restructuring Completed Issued $500M USD 2030 Notes, fully paying off outstanding Credit Agreement balance in July 2025, optimizing capital structure.

リスク要因

AI Technology Performance Dependency Heavily dependent on proprietary AI technology; errors or ineffectiveness could severely impact evaluation and growth prospects.

Partner Volume Concentration Risk Limited number of Partners account for substantial Network Volume; partner cessation severely affects revenue generation.

Macroeconomic and Credit Fluctuations High interest rates and inflation pressure borrower ability to service debt, potentially increasing defaults and reducing investor demand.

Regulatory Scrutiny on AI Use Evolving laws regarding AI technology, including bias concerns, could impose strict requirements, increasing compliance costs and legal risk.

見通し

Accelerate Product-Led Growth Strategy centers on perfecting and expanding solutions like Direct Marketing Engine and FastPass to become a necessary utility.

Deepen Partner Relationships Transitioning existing Partners to multi-product usage via cross-selling, institutionalizing relationships with long-term agreements.

Drive Capital Efficiency Committed to building through-the-cycle business by optimizing capital structure and improving unit economics for profitable growth.

Expand Enterprise Lender Network Onboarding new, high-potential Partners across Personal Loans, Auto, and Point-of-Sale asset classes using pre-built integrations.

同業比較

売上高 (TTM)

TDC

$1.66B

-5.0%

PGY

$1.26B

+25.6%

$1.25B

+25.1%

粗利益率 (最新四半期)

NTCT

81.6%

+2.1pp

EVCM

77.3%

+10.9pp

PAYO

77.3%

-0.4pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
KC	$3.35B	-23.7	-16.4%	34.1%
DAVE	$2.84B	14.5	73.9%	15.4%
TDC	$2.71B	20.5	66.4%	31.5%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

4.3%

緩やかな成長

4四半期純利益CAGR

63.2%

収益性の大幅な改善

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年5月5日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし