SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Pagaya Technologies Ltd. (PGY) trades at a trailing P/E of 11.6, forward P/E of 10.5. Trailing earnings yield is 8.59%, forward earnings yield 9.51%. PEG 0.32 (Peter Lynch undervalued ≤1.0). Graham Number is $12.31.
Criteria proven by this page:
- VALUE (100/100, Pass) — P/E is below market average (11.6); PEG ≤ 1.0 — Peter Lynch undervalued (0.32); analyst target implies upside (+139.8%); earnings yield beats bond yields (8.59%).
- Forward P/E 10.5 (down from trailing 11.6) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.32 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 8.59% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 9.51% as earnings recover.
- Analyst consensus target $31.25 (+139.8% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 62/100 with 2/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
100/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — PGY
Valuation Multiples
P/E (TTM)11.6
Forward P/E10.5
PEG Ratio0.32
Forward PEG0.32
P/B Ratio1.97
P/S Ratio0.76
EV/EBITDA10.7
Per Share Data
EPS (TTM)$0.99
Forward EPS (Est.)$1.24
Book Value / Share$6.78
Revenue / Share$15.39
FCF / Share$2.74
Yields & Fair Value
Earnings Yield8.59%
Forward Earnings Yield9.51%
Dividend Yield0.00%
Graham Number$12.31
SharesGrow IV$98.92 (+659.2%)
Analyst Target$31.25 (+139.8%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2019 |
-331.8 |
0.00 |
57.94 |
51.60 |
- |
| 2020 |
152.4 |
-0.51 |
20.20 |
24.04 |
- |
| 2021 |
-21.3 |
0.04 |
6.29 |
4.35 |
- |
| 2022 |
-1.9 |
-0.02 |
1.03 |
0.83 |
- |
| 2023 |
-7.7 |
0.11 |
1.78 |
1.29 |
- |
| 2024 |
-1.6 |
-0.01 |
2.02 |
0.66 |
- |
| 2025 |
20.1 |
-0.17 |
3.41 |
1.30 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2019 |
$-0.53 |
$36.14M |
$-8.37M |
-23.2% |
| 2020 |
$1.08 |
$91.74M |
$19.92M |
21.7% |
| 2021 |
$-4.27 |
$445.87M |
$-69.52M |
-15.6% |
| 2022 |
$-7.65 |
$685.41M |
$-292.77M |
-42.7% |
| 2023 |
$-2.14 |
$772.81M |
$-128.44M |
-16.6% |
| 2024 |
$-5.54 |
$1B |
$-401.41M |
-40% |
| 2025 |
$0.93 |
$1.26B |
$81.39M |
6.5% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$1.24 |
$1.16 – $1.30 |
$1.48B |
$1.46B – $1.5B |
6 |
| 2027 |
$1.78 |
$1.66 – $1.86 |
$1.69B |
$1.66B – $1.73B |
5 |
| 2028 |
$2.47 |
$2.30 – $2.58 |
$1.88B |
$1.88B – $1.88B |
1 |
