Pagaya Technologies Ltd - Class A risk profile
36 Normal where most of the sector sits
Measured 21 October 2026 from PGY's filed statements. Recomputed nightly.
36 (Normal), driven by Concentration at 100, over 7 weighted categories on the SOFTWARE profile.
What is measured
| Mechanism | Reading | Band | Direction | Driver |
|---|---|---|---|---|
| Market expectation | 71 | Stretched | Volatile | One-year price volatility — 73.9% |
| Operating pressure | 0 | Contained | Easing | Costs outgrowing revenue — -18.1 percentage points |
| Cash conversion | 8 | Contained | Easing | Capital spending against operating cash — 0.06x |
| Leverage and coverage | 20 | Normal | Easing | Net debt to EBITDA — 2.12x |
| Competitive position | 29 | Normal | Stable | R&D-intensity gap against peers — -7.5 percentage points |
| Concentration | 100 | Acute | Stable | Geographic concentration — 10,000 HHI |
These are descriptive readings of disclosed mechanisms, not investment advice, and not a prediction. A band says where a measured input sits, never what to do about it or what happens next.
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Financials, valuation and price history for Pagaya Technologies Ltd - Class A