What is Pagaya Technologies Ltd. (PGYWW)'s fair-value range?

EvidInvest reads Pagaya Technologies Ltd. (PGYWW)'s market price back into the assumptions behind it — the implied P/E, growth rate and cash yield — using its latest filed financials, then lets you set your own. See the full DCF, Graham number, EPV and multiple-based methods at https://evidinvest.com/valuation/PGYWW.

How is Pagaya Technologies Ltd. (PGYWW)'s fair value calculated?

Pagaya Technologies Ltd. (PGYWW)'s fair value is computed with several independent methods — a discounted cash flow (DCF) model, the Graham number, earnings power value (EPV), and valuation multiples such as PE and EV/EBITDA — using data from SEC filings. P/B is optional for non-financial companies and included in the preset range for financial sectors.

Which filing are Pagaya Technologies Ltd. (PGYWW)'s valuation inputs based on?

Inputs come from the FY2025 10-K filed 2026-03-02 (accession 0001883085-26-000018). Source: https://www.sec.gov/Archives/edgar/data/1883085/000188308526000018/

Fair value · Pagaya Technologies Ltd. (PGYWW) · updated 2026-10-30 · from 10-K FY2025

Pagaya Technologies trades at $0.01. That price implies a P/E of 0.0×.

Name: Pagaya Technologies Ltd. (PGYWW) valuation inputs and fair-value methods
Creator: EvidInvest
License: https://evidinvest.com/subscription-terms

Cboe · delayed 15 min · as of 20:05 ET

Are those assumptions reasonable? Use PGYWW’s filed growth history and the AI chat to decide, then set your own inputs below — the range you build is yours.

What the price implies

P/E: 0.0×

Prices and market caps: Cboe delayed data, at least 15 minutes delayed. Not real-time. Fundamentals from company filings. This price: Cboe · delayed 15 min · as of 20:05 ET.

Set your own assumptions ↓See how each method got its number Check another stock

Inputs come from the FY2025 10-K filed 2026-03-02 (accession 0001883085-26-000018); set your own on the sliders below. Research, not investment advice.

The filing behind these numbers

Pagaya Technologies Ltd.

Revenue: $1.3B
Diluted EPS: $0.93
Free cash flow: $224.7M; operating cash flow − capital expenditure
Diluted shares: 83.1M; weighted average

10-K FY2025 · fiscal year ended 2025-12-31 · filed 2026-03-02 · accession 0001883085-26-000018

Trailing-twelve-month EPS also uses the quarterly 10-Qs through Q2 FY2026 (filed 2026-07-30).

Open this filing on sec.gov

Valuation tool: build your own PGYWW range

Fair Value Summary

Daily Price — PGYWW

$0.01 -97.9% (1Y)

Your range0 of 8 methods

At least two methods need a usable value to draw a range with these inputs.

Range with preset inputs

No preset range for this company yet.

The two ranges are identical because every input sits on a preset.

We don’t tell you what PGYWW is worth. Every tab OPENS on what today’s price implies for that method’s key assumption; you decide whether that assumption is reasonable — the growth matrix has PGYWW’s filed history and the AI chat will reason it through with you — and the range you build is yours. Our presets are filed history and reference settings, never a recommendation.

Discounted cash flow

$9.41per share

78285% above the $0.01 price· outside the ±300% band, left out of the range

Preset inputs — revenue-driven DCF from the latest filing

Two-stage FCF model at the same filed inputs: $12.67 — move any slider below and that model takes over.

Implied by today’s price

The price implies stage-1 FCF growth of -50.0%. Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show.

Not solvable from the price — Even free cash flow shrinking 50% a year lands above today’s price with the other inputs held; −50% is the edge of what this model can show. Showing preset inputs.

That is the assumption the market is making — not ours, and not a recommendation. Decide whether it is reasonable: the growth matrix shows what PGYWW has actually filed, and the AI chat will reason it through with you.

Your inputs

Free cash flow grows at your stage-1 rate, then your stage-2 rate, then a terminal rate; everything is discounted at your WACC.

Stage-1 growth5.0%

Yearly free-cash-flow growth for the first stage. Starts below zero so a shrinking-cash-flow case — and the rate today’s price implies — can be set.

-20.0%400.0%

Stage-1 years5 yrs

How long stage-1 growth lasts.

1 yrs10 yrs

Stage-2 growth2.5%

Slower growth after stage 1, before the terminal phase.

-20.0%30.0%

Stage-2 years5 yrs

0 yrs10 yrs

Terminal growth2.5%

Growth forever after the two stages. Above ~3% is rarely justified.

0.0%5.0%

Discount rate (WACC)34.11%

The return you require. Default is the WACC EvidInvest computed for this company. Higher discount rate, lower value.

3.00%51.20%

Net debt ($M)Debt minus cash, from the balance sheet. Subtracted from enterprise value.

Starting FCF ($M)Latest free cash flow from the filing (operating cash flow minus capex).

Shares (M)Diluted shares, from the filing.

Year by year (two-stage model, $M)

PV explicit $731M · PV terminal $56M · EV $787M · equity $988M

Year	Stage	FCF	Present value
1	Stage 1	$236M	$176M
2	Stage 1	$248M	$138M
3	Stage 1	$260M	$108M
4	Stage 1	$273M	$85M
5	Stage 1	$287M	$66M
6	Stage 2	$294M	$51M
7	Stage 2	$302M	$39M
8	Stage 2	$309M	$30M
9	Stage 2	$317M	$23M
10	Stage 2	$325M	$17M

Inputs from the filing

Free cash flow: $251.8M; sum of the last four quarters
EBIT: $263.8M; latest annual
Shares: 83.2M
Total debt: $34.2M
Cash: $235.3M
Net debt: $-201.1M; debt − cash

10-K FY2025 · period ended 2025-12-31 · filed 2026-03-02 · accession 0001883085-26-000018 · sec.gov

Prefer a blank slate with reverse DCF? Open the standalone DCF / reverse DCF for PGYWW

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Pagaya Technologies trades at $0.01. That price implies a P/E of 0.0×.

The filing behind these numbers

Valuation tool: build your own PGYWW range

Daily Price — PGYWW

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Your inputs

Year by year (two-stage model, $M)

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Valuation tool: build your own PGYWW range

Daily Price — PGYWW

Your range0 of 8 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

More on PGYWW

Compare with peers

Explore