Is Pagaya Technologies Ltd. (PGYWW) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | N/A | N/A | N/A | N/A | ? INSUFFICIENT DATA |
| DJIM | N/A | N/A | N/A | N/A | ? INSUFFICIENT DATA |
| MSCI | 52.7% / 33% | 15.2% / 33% | 9.9% / 33% | 3.21% / 5% | ✗ NOT HALAL |
| S&P | N/A | N/A | N/A | N/A | ? INSUFFICIENT DATA |
| FTSE | 52.7% / 33% | 15.2% / 33% | 9.9% / 50% | 3.21% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 42.4% | |
| Operating Margin | 23.8% | |
| Net Margin | 6.3% | |
| Return on Equity (ROE) | 13.0% | |
| Return on Assets (ROA) | 11.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $239M |
| Free Cash Flow | $225M |
| Total Debt | $858M |
| Debt-to-Equity | 146.6 |
| Current Ratio | 13.1 |
| Total Assets | $1.5B |
Price & Trading
| Last Close | $0.06 |
| 50-Day MA | $0.23 |
| 200-Day MA | $0.23 |
| Avg Volume | 0 |
| Beta | 5.9 |
|
52-Week Range
$0.04
| |
About Pagaya Technologies Ltd. (PGYWW)
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the transaction process. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.
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Frequently Asked Questions
Is Pagaya Technologies Ltd. (PGYWW) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Pagaya Technologies Ltd. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Pagaya Technologies Ltd.'s debt ratio?
Pagaya Technologies Ltd.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 52.7%.
What are Pagaya Technologies Ltd.'s key financial metrics?
Pagaya Technologies Ltd. has a market capitalization of N/A, and revenue of $1.3B. The company maintains a gross margin of 42.4% and a net margin of 6.3%. Return on equity stands at 13.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.