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Pagaya Technologies Ltd
NASDAQ:PGY

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Pagaya Technologies Ltd
NASDAQ:PGY
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Price: 13.51 USD -6.96% Market Closed
Market Cap: $1.1B

EV/EBITDA

5.8
Current
33%
Cheaper
vs 3-y average of 8.6

Enterprise Value to EBITDA (EV/EBITDA) ratio compares a company`s total enterprise value to its earnings before interest, taxes, depreciation, and amortization. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.

EV/EBITDA
5.8
=
Enterprise Value
$1.5B
/
EBITDA
$293.9m

Enterprise Value to EBITDA (EV/EBITDA) ratio compares a company`s total enterprise value to its earnings before interest, taxes, depreciation, and amortization. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.

EV/EBITDA
5.8
=
Enterprise Value
$1.5B
/
EBITDA
$293.9m

Valuation Scenarios

Pagaya Technologies Ltd is trading below its 3-year average

If EV/EBITDA returns to its 3-Year Average (8.6), the stock would be worth $20.04 (48% upside from current price).

Statistics
Positive Scenarios
4/4
Maximum Downside
No Downside Scenarios
Maximum Upside
+237%
Average Upside
109%
Scenario EV/EBITDA Value Implied Price Upside/Downside
Current Multiple 5.8 $13.51
0%
3-Year Average 8.6 $20.04
+48%
5-Year Average 7.7 $17.99
+33%
Industry Average 19.6 $45.57
+237%
Country Average 12.7 $29.54
+119%

Forward EV/EBITDA
Today’s price vs future ebitda

Today's Enterprise Value EBITDA Forward EV/EBITDA
$1.5B
/
Jan 2026
$293.9m
=
5.8
Current
$1.5B
/
Dec 2026
$431.1m
=
3.4
Forward
$1.5B
/
Dec 2027
$506.2m
=
2.9
Forward
$1.5B
/
Dec 2028
$580.9m
=
2.5
Forward

Forward EV/EBITDA shows whether today’s EV/EBITDA still looks high or low once future ebitda are taken into account.

Peer Comparison

All Multiples
EV/EBITDA
P/E
All Countries
Close
Market Cap EV/EBITDA P/E
IL
Pagaya Technologies Ltd
NASDAQ:PGY
1.1B USD 5.8 14.1
US
Ezenia! Inc
OTC:EZEN
567B USD -182 667.2 -180 630.8
US
Palantir Technologies Inc
NASDAQ:PLTR
363.8B USD 229 207.2
DE
SAP SE
XETRA:SAP
164.1B EUR 13.7 22.4
US
Salesforce Inc
NYSE:CRM
177.8B USD 13 21.8
US
Applovin Corp
NASDAQ:APP
153.7B USD 35.6 46.1
US
Intuit Inc
NASDAQ:INTU
113.4B USD 17.2 24.5
US
Adobe Inc
NASDAQ:ADBE
103.9B USD 9.7 13.5
US
NCR Corp
LSE:0K45
93B USD 249.7 2 214.5
US
Synopsys Inc
NASDAQ:SNPS
91.4B USD 46.5 79.4
US
Cadence Design Systems Inc
NASDAQ:CDNS
85.4B USD 45 77
EV/EBITDA Multiple
EBITDA Growth EV/EBITDA to Growth
IL
P
Pagaya Technologies Ltd
NASDAQ:PGY
Average EV/EBITDA: 66.5
5.8
25%
0.2
US
Ezenia! Inc
OTC:EZEN
Negative Multiple: -182 667.2 N/A N/A
US
Palantir Technologies Inc
NASDAQ:PLTR
229
84%
2.7
DE
SAP SE
XETRA:SAP
13.7
15%
0.9
US
Salesforce Inc
NYSE:CRM
13
22%
0.6
US
Applovin Corp
NASDAQ:APP
35.6
36%
1
US
Intuit Inc
NASDAQ:INTU
17.2
27%
0.6
US
Adobe Inc
NASDAQ:ADBE
9.7
14%
0.7
US
N
NCR Corp
LSE:0K45
249.7
9%
27.7
US
Synopsys Inc
NASDAQ:SNPS
46.5
47%
1
US
Cadence Design Systems Inc
NASDAQ:CDNS
45
25%
1.8
P/E Multiple
Earnings Growth PEG
IL
P
Pagaya Technologies Ltd
NASDAQ:PGY
Average P/E: 272
14.1
46%
0.3
US
Ezenia! Inc
OTC:EZEN
Negative Multiple: -180 630.8 N/A N/A
US
Palantir Technologies Inc
NASDAQ:PLTR
207.2
58%
3.6
DE
SAP SE
XETRA:SAP
22.4
17%
1.3
US
Salesforce Inc
NYSE:CRM
21.8
29%
0.8
US
Applovin Corp
NASDAQ:APP
46.1
38%
1.2
US
Intuit Inc
NASDAQ:INTU
24.5
30%
0.8
US
Adobe Inc
NASDAQ:ADBE
13.5
20%
0.7
US
N
NCR Corp
LSE:0K45
2 214.5
52%
42.6
US
Synopsys Inc
NASDAQ:SNPS
79.4
44%
1.8
US
Cadence Design Systems Inc
NASDAQ:CDNS
77
39%
2

Market Distribution

Lower than 78% of companies in Israel
Percentile
22st
Based on 409 companies
22st percentile
5.8
Low
0 — 7.2
Typical Range
7.2 — 21.8
High
21.8 —
Distribution Statistics
Israel
Min 0
30th Percentile 7.2
Median 12.7
70th Percentile 21.8
Max 361.2

Pagaya Technologies Ltd
Glance View

Market Cap
1.1B USD
Industry
Technology

Pagaya Technologies Ltd is a IL-based company operating in Software industry. Pagaya Technologies Ltd is an Israel-based company. The company is primarily engaged in financial technology (FinTech) industry. The firm develops data science, machine learning and AI technology (Artificial Intelligence) analytics, enabling accurate, real-time customer credit assessments. Company's customers are lending companies that, by connecting to the AI Pagaya network, have the opportunity to discover and approve new customers that meet their credit criteria. Thanks to the Company's solutions, its customers gains a customer without undue risk. Pagaya Technologies Ltd delivers technology that provides loan assistance such as personal, car and credit card loans. The firm serves its clients all over the world.

PGY Intrinsic Value
36.98 USD
Undervaluation 63%
Intrinsic Value
Price $13.51
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