PGY (Pagaya Technologies) Long-Term Debt: $875 Mil (As of Jun. 2026)

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PGY Pagaya Technologies Ltd PGY
75 GF Score
Price $21.92
GF Value $15.32
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Pagaya Technologies Long-Term Debt?

Pagaya Technologies PGY -1.44% 75 Long-Term Debt is $875 Mil as of Jun. 2026. GuruFocus rates PGY with a GF Score™ of 75/100 and a GF Value™ of $15.32 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Pagaya Technologies's Long-Term Debt for the quarter that ended in Jun. 2026 was $875 Mil.

Pagaya Technologies's quarterly Long-Term Debt declined from Dec. 2025 ($824 Mil) to Mar. 2026 ($781 Mil) but then increased from Mar. 2026 ($781 Mil) to Jun. 2026 ($875 Mil).

Pagaya Technologies's annual Long-Term Debt increased from Dec. 2023 ($324 Mil) to Dec. 2024 ($644 Mil) and increased from Dec. 2024 ($644 Mil) to Dec. 2025 ($824 Mil).

Pagaya Technologies  (NAS:PGY) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Pagaya Technologies Long-Term Debt Related Terms

Pagaya Technologies Long-Term Debt Historical Data

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The historical data trend for Pagaya Technologies's Long-Term Debt 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.

Pagaya Technologies Long-Term Debt Chart

Pagaya Technologies Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial 37.91 92.80 324.03 643.75 824.27

Pagaya Technologies Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 544.46 767.46 824.27 780.68 874.93
PGY
75GF Score
Pagaya Technologies Ltd PGY
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $875 Mil mean?
Pagaya Technologies (PGY) has a Long-Term Debt of $875 Mil as of Jun. 2026.
Is Pagaya Technologies' Long-Term Debt too high?
Pagaya Technologies' current Long-Term Debt is $875 Mil. Overall, Pagaya Technologies has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pagaya Technologies' Long-Term Debt compare to BRUN and GCT?
Pagaya Technologies' Long-Term Debt of $875 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Software company?
A good Long-Term Debt depends on the Software industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Pagaya Technologies's current Long-Term Debt is $875 Mil. 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 Significantly Overvalued. The stock's GF Value™ is $15.32, compared to a current price of $21.92 — trading 43% above its estimated fair value. The current Long-Term Debt is $875 Mil. Pagaya Technologies' overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Pagaya Technologies (PGY), the current Long-Term Debt is $875 Mil as of Jun. 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 $21.92 is trading 43% above its estimated GF Value™ of $15.32. GuruFocus considers Pagaya Technologies to be Significantly Overvalued.

Key valuation signals for PGY:

  • Long-Term Debt: $875 Mil
  • GF Value™: $15.32 vs. price of $21.92 (43% above fair value)
  • GF Score™: 75/100 with 6 warning signs

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 Business Description

Address 335 Madison Avenue, 16th Floor, New York, NY, USA, 10017
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.
75GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.92
Price
$15.32
GF Value