PGY (Pagaya Technologies) LT-Debt-to-Total-Asset: 0.47 (As of Mar. 2026)

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PGY Pagaya Technologies Ltd PGY
76 GF Score
Price $17.06
GF Value $15.37
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Pagaya Technologies LT-Debt-to-Total-Asset?

Pagaya Technologies PGY -2.46% 76 LT-Debt-to-Total-Asset is 0.47 as of Mar. 2026. GuruFocus rates PGY with a GF Score™ of 76/100 and a GF Value™ of $15.37 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Pagaya Technologies's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.47.

Pagaya Technologies's long-term debt to total assets ratio increased from Mar. 2025 (0.42) to Mar. 2026 (0.47). It may suggest that Pagaya Technologies is progressively becoming more dependent on debt to grow their business.

Pagaya Technologies  (NAS:PGY) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Pagaya Technologies LT-Debt-to-Total-Asset Related Terms

Pagaya Technologies LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Pagaya Technologies's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Pagaya Technologies Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.06 0.14 0.31 0.50 0.53

Pagaya Technologies Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.42 0.41 0.53 0.53 0.47
PGY
76GF Score
Pagaya Technologies Ltd PGY
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Pagaya Technologies LT-Debt-to-Total-Asset Calculation

Pagaya Technologies's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=824.272/1545.914
=0.53

Pagaya Technologies's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=780.679/1648.643
=0.47

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.47 mean?
Pagaya Technologies (PGY) has a LT-Debt-to-Total-Asset of 0.47 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Pagaya Technologies and its competitors.
Is Pagaya Technologies' LT-Debt-to-Total-Asset too high?
Pagaya Technologies' current LT-Debt-to-Total-Asset is 0.47. Overall, Pagaya Technologies has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pagaya Technologies' LT-Debt-to-Total-Asset compare to PICS and AI?
Pagaya Technologies' LT-Debt-to-Total-Asset of 0.47 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 LT-Debt-to-Total-Asset for a Software company?
A good LT-Debt-to-Total-Asset depends on the Software industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Pagaya Technologies and its competitors. Pagaya Technologies's current LT-Debt-to-Total-Asset is 0.47. 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 $15.37, compared to a current price of $17.06 — trading 11% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.47. Pagaya Technologies' overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Pagaya Technologies (PGY), the current LT-Debt-to-Total-Asset is 0.47 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 $17.06 is trading 11% above its estimated GF Value™ of $15.37. GuruFocus considers Pagaya Technologies to be Modestly Overvalued.

Key valuation signals for PGY:

  • LT-Debt-to-Total-Asset: 0.47
  • GF Value™: $15.37 vs. price of $17.06 (11% above fair value)
  • GF Score™: 76/100 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.
76GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.06
Price
$15.37
GF Value