Pagaya TechnologiesPGY -5.22%77 OCF Yield % is 16.78 as of Jul. 06, 2026, which is 1310% above its 10-year median of 1.19. GuruFocus rates PGY with a GF Score™ of 77/100 and a GF Value™ of $15.33 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 2,862 Software companies, Pagaya Technologies ranks better than 89.76% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF 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 operating 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 OCF Yield % Related Terms
Pagaya Technologies OCF Yield % Historical Data
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The historical data trend for Pagaya Technologies's OCF 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 OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Software Industry
For the Software industry and Technology sector, Pagaya Technologies's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Pagaya Technologies's OCF 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 OCF Yield % of 16.78 as of Jul. 06, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Pagaya Technologies and its competitors. This is 1310% above median its historical median of 1.19. According to the industry distribution chart, Pagaya Technologies ranks #293 out of 2862 companies in the Software industry, placing it in the top 10.2%.
Is Pagaya Technologies' OCF Yield % too high?
Pagaya Technologies' current OCF Yield % of 16.78 is 1310% above median its 10-year median of 1.19. The Software industry median OCF Yield % is 3.07. Pagaya Technologies' value of 16.78 is 446.6% above this industry median. Based on the distribution chart, Pagaya Technologies ranks #293 out of 2862 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' OCF Yield % compare to PICS and AI?
According to the Software industry distribution chart, Pagaya Technologies ranks #293 out of 2862 companies for OCF Yield %. This places Pagaya Technologies in the top 10% of its industry — outperforming the majority of peers. The industry median OCF Yield % is 3.07. Pagaya Technologies' value of 16.78 is 446.6% above this benchmark. While the company's 10-year median is 1.19 vs. the industry median of 3.07, 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 OCF Yield % for a Software company?
The median OCF Yield % among Software companies is 3.07, based on 2,862 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pagaya Technologies's current OCF Yield % of 16.78 is 446.6% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Pagaya Technologies and its competitors. For the Software industry, the median OCF Yield % is 3.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pagaya Technologies's current OCF Yield % is 16.78, which is 1310% above median its own 10-year median of 1.19. 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 OCF Yield % is 16.78, which is 1310% above median its 10-year median of 1.19 and 446.6% above the Software industry median of 3.07. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Pagaya Technologies (PGY), the current OCF Yield % is 16.78 as of Jul. 06, 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:
OCF Yield %: 16.78 (1310% above median its 10-year median of 1.19)
GF Value™: $15.33 vs. price of $17.79 (16% above fair value)
Industry Position: 446.6% above the Software median (#293 of 2862)
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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