Pagaya Technologies Ltd. cash flow to debt ratio of 27.80% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Pagaya Technologies Ltd.'s free cash flow has increased 419.18% from $43.28M last year to $224.72M, signaling increasing performance

Pagaya Technologies Ltd.'s debt to equity ratio is 1.53, which means that the company's assets are unhealthy financed, signaling financial risk.

Pagaya Technologies Ltd.'s debt has decreased relative to shareholder equity from 2.09 last year to 1.53 today, signaling strengthened financials

Pagaya Technologies Ltd. has a net cash position, so leverage is healthy.

Pagaya Technologies Ltd. earns at least as much interest as it pays. Interest obligations are fully covered.

Pagaya Technologies Ltd.'s profit margin was -39.96% last year and is 9.57% this year, signaling increasing performance

Pagaya Technologies Ltd.'s short-term assets of $1.45B exceed its short-term liabilities of $131.47M

Pagaya Technologies Ltd.'s return on assets of 7.49% is higher than the 5.00% threshold, indicating efficient asset utilization

Pagaya Technologies Ltd.'s return on equity of 24.48%, is higher than 15.00%, indicating good performance

Pagaya Technologies Ltd.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Pagaya Technologies Ltd. had positive net income in only 1 out of 5 years, indicating unstable earnings

Pagaya Technologies Ltd. has positive free cash flow, indicating the company generates cash after capital expenditures

Pagaya Technologies Ltd. has a free cash flow yield of 15.29%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Pagaya Technologies Ltd.'s yearly earnings has increased 120.28% since last year from $-401.41M to $81.39M, signaling increasing performance

Pagaya Technologies Ltd.'s yearly revenue has increased 25.56% since last year from $1.00B to $1.26B, signaling increasing performance

ROIC 17.71% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Pagaya Technologies Ltd.'s 3-year revenue CAGR of 22.54% is positive, indicating growing revenue over the past 3 years

Pagaya Technologies Ltd. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Pagaya Technologies Ltd. had positive ROE in only 1 out of 5 years, indicating inconsistent returns on equity

Pagaya Technologies Ltd. is undervalued relative to its fair value price of 52.04 based on Base Cash Flow Valuation (DCF) model

Pagaya Technologies Ltd. has an earnings yield of 8.65%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Pagaya Technologies Ltd. is overvalued relative to its fair value price of 10.93 based on Base EBITDA Valuation model

Pagaya Technologies Ltd. has an EV/EBITDA ratio of 13.88x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Pagaya Technologies Ltd. has insufficient data to evaluate this check.

Pagaya Technologies Ltd. has a PEG-ratio under 1 which is considered undervalued

Pagaya Technologies Ltd. has a price-to-book ratio of 2.26x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Pagaya Technologies Ltd. has a price-to-sales ratio of 1.11x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue