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Pagaya Technologies Ltd.

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
$996.91M
PER (TTM)
12.5
39.5
配当利回り
--
52週高値
$44.99
52週安値
$8.50
52週レンジ
11%
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 Q3 決算ハイライト

主なハイライト

Revenue Fees Jump 29% Revenue from fees reached $940.3M for nine months ended September 30, 2025, marking a strong 29% increase over prior year.
Net Income Swing Profitable Net income attributable to ordinary shareholders was $47.1M YTD, reversing prior period loss of $(163.5M).
Operating Cash Flow Soars Net cash provided by operating activities increased substantially to $158.8M YTD, up from $19.9M last year.
Network Volume Growth Continues Network Volume grew 11% to $7.85B for nine months ended September 30, 2025, highlighting platform scalability.

リスク要因

Macroeconomic Pressures Persist Elevated interest rates and inflation may strain borrower debt service ability, potentially reducing investor returns and asset demand.
Loss of EGC Status Imminent Loss of Emerging Growth Company status by year-end 2025 subjects company to mandatory auditor attestation requirements.
Geopolitical Uncertainty Remains Ongoing conflict in Middle East adds uncertainty, potentially exacerbating inflationary pressures and supply chain challenges globally.
Funding Availability Critical Growth depends on continued availability and favorable pricing of funding from investors through Financing Vehicles.

見通し

Transitioning Filer Status Company transitions to Large Accelerated Filer status for 2026 filings, aligning reporting with major US companies for transparency.
AI Technology Improvements Continued investment in proprietary AI technology and data network expansion drives efficiency and new asset class scaling.
Debt Structure Optimization Completed issuance of $500.0M Senior Notes and refinanced revolving credit facility, reducing higher-cost debt balances.
Warrant Proceeds Potential Exercise of outstanding warrants could yield up to $169.6M in cash proceeds for general corporate purposes.

同業比較

売上高 (TTM)

Teradata CorporationTDC
$1.66B
-5.0%
Pagaya Technologies Ltd.PGY
$1.26B
+25.6%
Kingsoft Cloud Holdings LimitedKC
$1.25B
+25.1%

粗利益率 (最新四半期)

Payoneer Global Inc.PAYO
84.3%
-0.4pp
NetScout Systems, Inc.NTCT
81.6%
+2.1pp
EverCommerce Inc.EVCM
77.3%
+10.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
KC$4.09B-29.1-16.4%34.1%
TDC$3.17B26.868.8%32.5%
DAVE$2.30B15.665.9%17.4%

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:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月10日|
    売上高: $339.89M+36.3%
    |
    EPS: $0.27-129.0%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $317.71M+31.0%
    |
    EPS: $0.20-119.2%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月7日|
    売上高: $282.70M+19.3%
    |
    EPS: $0.10-129.6%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月12日|
    売上高: $1.00B+30.0%
    |
    EPS: $-5.66-164.5%
    予想を下回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月12日|
    売上高: $249.28M+23.7%
    |
    EPS: $-0.93+158.3%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $242.59M+30.6%
    |
    EPS: $-1.04+96.2%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $237.00M+35.2%
    |
    EPS: $-0.33-80.1%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年4月25日|
    売上高: $772.81M+12.8%
    |
    EPS: $-2.14+72.0%
    予想を下回る