📈 Net Income History (11 Quarters)
🧮 PGY Net Income Breakdown
Understanding Net Income
Net income, also called the "bottom line" or net profit, is the money a company keeps after paying all expenses including cost of goods, operating costs, interest, and taxes. For PGY, the trailing twelve month net income is $126.8M.
Why Net Income Matters
Net income is the ultimate measure of accounting profitability. It determines earnings per share (EPS), affects stock valuations through the P/E ratio, and represents the theoretical amount available to shareholders. However, net income can be influenced by accounting choices, which is why value investors often look at cash flow metrics alongside it.
PGY's net income growth rate of 100.00% (based on log-linear regression of 11 quarters) indicates exceptional profit growth, often valued at premium multiples.
Net Income vs Cash Flow Metrics
Free Cash Flow: $234.1M →
Actual cash generated after capital expenditures. FCF often differs from net income due to depreciation, working capital changes, and capex timing.
Owner Earnings: $234.1M →
Buffett's preferred metric that adds back depreciation but subtracts maintenance capex. Often considered more accurate than net income.
EPS (Diluted): $1.40 →
Net income divided by diluted shares outstanding. The primary driver of the P/E ratio used in valuations.
Revenue: $1.4B →
The top line that net income is derived from. Net margin shows what percentage of revenue becomes profit.
P/E Ratio Analysis
PGY's P/E ratio of 15.7x means investors pay $15.70 for every $1 of annual earnings. A P/E between 15-25 is average for the market, reflecting moderate growth expectations.
Net Margin: Profitability Efficiency
Net margin of 9.12% shows what percentage of PGY's revenue converts to profit after all costs. Net margins between 5-10% are common in competitive industries with thinner profits.
Summary: PGY Net Income Trend
Pagaya Technologies Ltd. (PGY) has a net margin of 9.12%, which Zyberno classifies as acceptable for a Financials company — within the 5–12% range Zyberno considers typical for financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at 100.00% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses. For complete financial analysis, view the full PGY stock report on Zyberno.
Frequently Asked Questions
What is PGY's current net income?
Pagaya Technologies Ltd.'s TTM net income is $126.8M, growing at 100.00% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses.
Is PGY's net income growing?
Pagaya Technologies Ltd. (PGY) has a net margin of 9.12%, which Zyberno classifies as acceptable for a Financials company — within the 5–12% range Zyberno considers typical for financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at 100.00% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses.
What is PGY's net profit margin?
Pagaya Technologies Ltd. (PGY) has a net margin of 9.12%, which Zyberno classifies as acceptable for a Financials company — within the 5–12% range Zyberno considers typical for financial businesses where net margins reflect balance sheet efficiency and credit quality. Net income grew at 100.00% annually — significantly above the 20% threshold Zyberno associates with high-growth businesses.
What is PGY's P/E ratio?
PGY's P/E ratio is 15.7x, meaning the market values the company at 15.7 times its annual earnings.
How does net income differ from free cash flow?
Net income is an accounting measure that includes non-cash items like depreciation, while free cash flow shows actual cash generated. PGY's net income is $126.8M versus free cash flow of $234.1M. Large differences often indicate significant capital expenditures or working capital changes.
📊 Full PGY Stock Report →
See PGY's intrinsic value, margin of safety, DCF valuation, and complete financial analysis with 250+ metrics.
💵 PGY Free Cash Flow →
Compare to Free Cash Flow which subtracts all capital expenditures, not just maintenance CapEx.
💰 PGY Owner Earnings →
Compare to Buffett's Owner Earnings metric which uses maintenance CapEx instead of total capital expenditures.
📈 PGY Earnings Per Share →
Analyze EPS trends, P/E ratio, earnings yield, and per-share profitability metrics.
🎯 PGY Earnings Surprise (SUE) →
See whether PGY is beating or missing its own earnings trend — Standardized Unexpected Earnings and post-earnings drift.
📊 PGY Revenue →
Analyze revenue trends, growth rate, P/S ratio, and top-line sales performance.
💰 PGY Net Income →
Analyze the bottom-line profit, P/E ratio, and net profit margin trends.
🔶 PGY Operating Income →
Analyze EBIT, operating margin, and core business profitability before interest and taxes.
💜 PGY Gross Profit →
Analyze gross margin, pricing power, and profitability before operating expenses.