PGY (Pagaya Technologies) ROCE %: 17.29% (As of Mar. 2026)


PGY Pagaya Technologies Ltd PGY
77 GF Score
Price $15.89
GF Value $15.31
Valuation Fairly Valued
! 6 Warning Signs
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What is Pagaya Technologies ROCE %?

Pagaya Technologies PGY +2.59% 77 ROCE % is 17.29% as of Mar. 2026. GuruFocus rates PGY with a GF Score™ of 77/100 and a GF Value™ of $15.31 (Fairly Valued). The stock has 6 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Pagaya Technologies's annualized ROCE % for the quarter that ended in Mar. 2026 was 17.29%.

Pagaya Technologies  (NAS:PGY) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Pagaya Technologies ROCE % Related Terms

Pagaya Technologies ROCE % Historical Data

* Premium members only.

The historical data trend for Pagaya Technologies's ROCE % 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 ROCE % Chart

Pagaya Technologies Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROCE %
Get a 7-Day Free Trial -9.07 -42.61 -6.21 3.41 17.38

Pagaya Technologies Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % 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 14.43 17.19 22.43 19.15 17.29
PGY
77GF Score
Pagaya Technologies Ltd PGY
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Pagaya Technologies ROCE % Calculation

Pagaya Technologies's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=223.808/( ( (1291.072 - 130.635) + (1545.914 - 131.465) )/ 2 )
=223.808/( (1160.437+1414.449)/ 2 )
=223.808/1287.443
=17.38 %

Pagaya Technologies's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=244.208/( ( (1545.914 - 131.465) + (1648.643 - 238.148) )/ 2 )
=244.208/( ( 1414.449 + 1410.495 )/ 2 )
=244.208/1412.472
=17.29 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

* 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 ROCE % →
What does a ROCE % of 17.29% mean?
Pagaya Technologies (PGY) has a ROCE % of 17.29% as of Mar. 2026.
Is Pagaya Technologies' ROCE % too high?
Pagaya Technologies' current ROCE % is 17.29%. The Software industry median ROCE % is 5.18. Pagaya Technologies' value of 17.29% is 234.1% above this industry median. Overall, Pagaya Technologies has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pagaya Technologies' ROCE % compare to KDK and RDWR?
Pagaya Technologies' ROCE % of 17.29% can be compared against companies in the Software industry. The industry median ROCE % is 5.18. Pagaya Technologies' value of 17.29% is 234.1% 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 ROCE % for a Software company?
The median ROCE % among Software companies is 5.18, based on 2,710 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pagaya Technologies's current ROCE % of 17.29% is 234.1% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median ROCE % is 5.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pagaya Technologies's current ROCE % is 17.29%. 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 ROCE % is 17.29% and 234.1% above the Software industry median of 5.18. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Pagaya Technologies (PGY), the current ROCE % is 17.29% 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:

  • ROCE %: 17.29%
  • GF Value™: $15.31 vs. price of $15.89 (3.8% above fair value)
  • GF Score™: 77/100 with 6 warning signs
  • Industry Position: 234.1% above the Software median

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.
77GF Score

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

$15.89
Price
$15.31
GF Value