Pagaya TechnologiesPGY +2.59%78 EBITDA Margin % is 21.71% as of Mar. 2026, which is 4242% above its 10-year median of 0.50. GuruFocus rates PGY with a GF Score™ of 78/100 and a GF Value™ of $15.31 (Fairly Valued). The stock has 6 warning signs investors should review. Among 2,820 Software companies, Pagaya Technologies ranks better than 79.08% on this metric.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Pagaya Technologies EBITDA Margin % Related Terms
Pagaya Technologies EBITDA Margin % Historical Data
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The historical data trend for Pagaya Technologies's EBITDA Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Infrastructure subindustry, Pagaya Technologies's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pagaya Technologies EBITDA Margin % vs Software Industry
For the Software industry and Technology sector, Pagaya Technologies's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Pagaya Technologies's EBITDA Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pagaya Technologies (PGY) has a EBITDA Margin % of 21.71% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Pagaya Technologies and its competitors. This is 4242% above median its historical median of 0.50. According to the industry distribution chart, Pagaya Technologies ranks #590 out of 2820 companies in the Software industry, placing it in the top 20.9%.
Is Pagaya Technologies' EBITDA Margin % too high?
Pagaya Technologies' current EBITDA Margin % of 21.71% is 4242% above median its 10-year median of 0.50. The Software industry median EBITDA Margin % is 8.07. Pagaya Technologies' value of 21.71% is 169% above this industry median. Based on the distribution chart, Pagaya Technologies ranks #590 out of 2820 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Pagaya Technologies has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pagaya Technologies' EBITDA Margin % compare to KDK and RDWR?
According to the Software industry distribution chart, Pagaya Technologies ranks #590 out of 2820 companies for EBITDA Margin %. This places Pagaya Technologies in the top 21% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 8.07. Pagaya Technologies' value of 21.71% is 169% above this benchmark. While the company's 10-year median is 0.50 vs. the industry median of 8.07, Pagaya Technologies has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Software company?
The median EBITDA Margin % among Software companies is 8.07, based on 2,820 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pagaya Technologies's current EBITDA Margin % of 21.71% is 169% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Pagaya Technologies and its competitors. For the Software industry, the median EBITDA Margin % is 8.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pagaya Technologies's current EBITDA Margin % is 21.71%, which is 4242% above median its own 10-year median of 0.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pagaya Technologies stock overvalued right now?
Based on GuruFocus' analysis, Pagaya Technologies (PGY) is currently considered Fairly Valued. The stock's GF Value™ is $15.31, compared to a current price of $15.89 — trading 3.8% above its estimated fair value. The current EBITDA Margin % is 21.71%, which is 4242% above median its 10-year median of 0.50 and 169% above the Software industry median of 8.07. Pagaya Technologies' overall GF Score™ is 78/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Pagaya Technologies (PGY), the current EBITDA Margin % is 21.71% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pagaya Technologies (PGY) Overvalued in 2026?
Based on GuruFocus' analysis, Pagaya Technologies stock appears to be overvalued.
The current stock price of $15.89 is trading 3.8% above its estimated GF Value™ of $15.31.
GuruFocus considers Pagaya Technologies to be Fairly Valued.
Key valuation signals for PGY:
EBITDA Margin %: 21.71% (4242% above median its 10-year median of 0.50)
GF Value™: $15.31 vs. price of $15.89 (3.8% above fair value)
Industry Position: 169% above the Software median (#590 of 2820)
No single metric tells the full story. See the PGY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pagaya Technologies Ltd is a product-focused technology company. It uses machine learning, a vast data network, and an AI-driven approach to offer comprehensive consumer credit and residential real estate products for its partners, their customers, and investors. Its suite of products includes Decline Monetization, Dual Look, First Look, Affiliate Optimizer Engine, Direct Marketing Engine, and FastPass, providing lenders with an AI-powered credit and acquisition ecosystem that helps them approve more borrowers, capture more demand, and grow without adding risk. Geographically, the company generates maximum revenue from its business in the United States.
78GF Score
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