FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Pagaya Technologies FCF Yield % Related Terms
Pagaya Technologies FCF Yield % Historical Data
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The historical data trend for Pagaya Technologies's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Software Industry
For the Software industry and Technology sector, Pagaya Technologies's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Pagaya Technologies's FCF Yield % 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 FCF Yield % of 15.88 as of Jul. 02, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Pagaya Technologies and its competitors. According to the industry distribution chart, Pagaya Technologies ranks #223 out of 2868 companies in the Software industry, placing it in the top 7.8%.
Is Pagaya Technologies' FCF Yield % too high?
Pagaya Technologies' current FCF Yield % is 15.88. The Software industry median FCF Yield % is 0.89. Pagaya Technologies' value of 15.88 is 1684.3% above this industry median. Based on the distribution chart, Pagaya Technologies ranks #223 out of 2868 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 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pagaya Technologies' FCF Yield % compare to PICS and AI?
According to the Software industry distribution chart, Pagaya Technologies ranks #223 out of 2868 companies for FCF Yield %. This places Pagaya Technologies in the top 8% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 0.89. Pagaya Technologies' value of 15.88 is 1684.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Software company?
The median FCF Yield % among Software companies is 0.89, based on 2,868 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pagaya Technologies's current FCF Yield % of 15.88 is 1684.3% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Pagaya Technologies and its competitors. For the Software industry, the median FCF Yield % is 0.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pagaya Technologies's current FCF Yield % is 15.88. 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 Modestly Overvalued. The stock's GF Value™ is $15.33, compared to a current price of $17.79 — trading 16% above its estimated fair value. The current FCF Yield % is 15.88 and 1684.3% above the Software industry median of 0.89. Pagaya Technologies' overall GF Score™ is 77/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Pagaya Technologies (PGY), the current FCF Yield % is 15.88 as of Jul. 02, 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 $17.79 is trading 16% above its estimated GF Value™ of $15.33.
GuruFocus considers Pagaya Technologies to be Modestly Overvalued.
Key valuation signals for PGY:
FCF Yield %: 15.88
GF Value™: $15.33 vs. price of $17.79 (16% above fair value)
Industry Position: 1684.3% above the Software median (#223 of 2868)
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.
77GF Score
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