Company / FCF Margin
Pagaya Technologies Ltd. FCF Margin History
FY2021-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
17.3%
FY2025
5-year range
-8.3% / 17.3%
FY2021-FY2025
Trend
+493.5%
vs FY2024
Sector context
#117 of 206
Financials
What the data says
FCF Margin changed +493% YoY in FY2025, a notable deviation from the 4-year average annual change of +111%.
Based on SEC 10-K filings.
17.3% in FY2025 with a 3-year CAGR of +25.6%.
Improved from 9.1% to 17.3% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- +25.6pp
- 5-Year Change
- -
- 10-Year Change
- -
Sector benchmark
#117 of 206 in FinancialsTop 57% of 206This company 17.3% Sector average 207.7%
▼
-91.7% below sector average
Key checks
Key Insights
- In FY2025, fcf margin increased 493.5% year-over-year.
- Currently 190.4pp below the Financials sector average.
- Lowest fcf margin in the period was in FY2022.
Company context
Key Data Points
- Altman Z-Score 1.09 (distress zone, below 1.8 threshold)
- Negative profit margin: -19.2%
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 17.3% | +493.5% |
| FY2024 | 2.9% | -68.0% |
| FY2023 | 9.1% | +209.2% |
| FY2022 | -8.3% | -191.5% |
| FY2021 | 9.1% | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026