Pagaya Technologies Ltd. (PGY)
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- symbol PGY
- Rev/Share 15.4824
- Book/Share 7.2058
- PB 3.1255
- Debt/Equity 1.7131
- CurrentRatio 5.1128
- ROIC 0.1569
- MktCap 1498580210.0
- FreeCF/Share 2.1721
- PFCF 8.7845
- PE -7.6716
- Debt/Assets 0.5513
- DivYield 0
- ROE -0.5099
- Rating D+
- Score 1
- Recommendation Strong Sell
- P/E Score 1
- DCF Score 1
- P/B Score 2
- D/E Score 1
Recent Analyst Ratings
| Type | Ticker | Analyst Firm | Previous Rating | Current Rating | Previous Price Target | Current Price Target | Date |
|---|---|---|---|---|---|---|---|
| Initiation | PGY | Stephens | -- | Overweight | -- | $22 | June 12, 2025 |
| Upgrade | PGY | Citigroup | Neutral | Buy | $13 | $14.5 | Feb. 7, 2025 |
| Resumed | PGY | UBS | -- | Neutral | -- | $11 | Dec. 20, 2024 |
| Initiation | PGY | Oppenheimer | -- | Outperform | -- | $12 | Oct. 1, 2024 |
| Resumed | PGY | The Benchmark Company | -- | Buy | -- | $21 | Aug. 26, 2024 |
News
Can Pagaya Scale Faster Using Its AI-Led Credit Platform?
Published: February 06, 2026 by: Zacks Investment Research
Sentiment: Positive
PGY hits a 2025 inflection, with profitable quarters, a capital-light ABS model and a growing partner network driving scale.
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Pagaya: Likely Q4 Beat To Drive A Re-Rating Beyond Deep-Value Levels
Published: February 06, 2026 by: Seeking Alpha
Sentiment: Positive
I expect Pagaya to beat analysts' revenue and EPS estimates when it reports Q4 earnings on February 9th. PGY's estimated network volume growth and operating leverage could help offset a potential sequential CNL rate expansion, in light of the higher NCOs reported by SoFi and Ally during Q4. I expect Pagaya to report YoY revenue and EPS growth of 25% and 138%, respectively, in FY 2026, driven by accelerated onboarding of 8 new partners and take rate expansion.
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KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2026-R1 and Pagaya AI Debt Trust 2026-R1
Published: February 05, 2026 by: Business Wire
Sentiment: Neutral
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to eight classes of notes issued by Pagaya AI Debt Grantor Trust 2026-R1 and Pagaya AI Debt Trust 2026-R1 (collectively “PAID 2026-R1”), an unsecured consumer loan ABS transaction. PAID 2026-R1 has initial hard credit enhancement levels of 47.00% for the Class A Notes to 5.85% for the Class E Notes. Credit enhancement is comprised of overcollateralization, subordination (except for the Class E Notes), cash reserve accounts funded at cl.
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Pagaya Technologies: Investor Misunderstanding Has Created A Launchpad
Published: February 04, 2026 by: Seeking Alpha
Sentiment: Positive
Pagaya Technologies Ltd. is deeply undervalued following a 44.6% selloff despite robust growth. PGY's business model is misunderstood; it is asset-light, B2B, and not as exposed to credit market cycles. Strong catalysts include expanding partnerships, rapid onboarding, and diversification into auto and POS lending, driving network volume and margin expansion.
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Should You Buy, Hold or Sell Pagaya Stock Ahead of Q4 Earnings?
Published: February 03, 2026 by: Zacks Investment Research
Sentiment: Negative
PGY reports Q4 results on Feb. 9 as revenue growth, guidance and rising expenses shape whether investors should buy, hold or stay cautious.
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Pagaya Technologies Ltd. (PGY) Rises Higher Than Market: Key Facts
Published: February 02, 2026 by: Zacks Investment Research
Sentiment: Neutral
Pagaya Technologies Ltd. (PGY) concluded the recent trading session at $19.73, signifying a +1.75% move from its prior day's close.
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PGY vs. OMF: Which Stock Wins the Consumer Credit Battle?
Published: January 30, 2026 by: Zacks Investment Research
Sentiment: Positive
Can Pagaya's AI-powered, capital-light platform outshine a traditional non-prime rival like OneMain on growth potential? Let us find out.
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Does Pagaya's Asset-Light Strategy Help Reduce Credit Risk?
Published: January 29, 2026 by: Zacks Investment Research
Sentiment: Neutral
PGY's asset-light model keeps most loans off its balance sheet, using ABS and forward flows to curb credit risk and stay resilient in volatile markets.
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Pagaya Technologies: Sustainable Growth Backed By Solid Market Expansion
Published: January 20, 2026 by: Seeking Alpha
Sentiment: Positive
Pagaya Technologies is rated a buy, offering triple-digit upside potential driven by robust AI-powered lending and strong partner ramp. PGY consistently delivers double-digit revenue growth, surpassing industry averages, with Q3 2025 revenue at $350.1M and improving profitability. The B2B2C model and multi-product adoption position PGY for scalable growth, with 8 new partners and a raised FY 2025 GAAP net income guidance.
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Pagaya Shines in 2025: How Should Investors Play the Fintech Stock?
Published: January 09, 2026 by: Zacks Investment Research
Sentiment: Positive
PGY hit a 2025 inflection point with three straight GAAP profits, shrinking credit losses and a 125% share surge amid stronger fundamentals.
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3 Top Ranked Stocks to Buy for 2026 (LLY, WFRD, PGY)
Published: January 05, 2026 by: Zacks Investment Research
Sentiment: Positive
Eli Lilly, Pagaya Technologies Ltd. and Weatherford International stocks all boast numerous bullish tailwinds heading into this new year.
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The Great 2026 Rotation - 3 Small-Cap Picks For The Mean-Reversion Cycle
Published: January 01, 2026 by: Seeking Alpha
Sentiment: Positive
Stretched valuations of large-cap tech stocks, namely the Mag 7, are likely to drive a rotation to small caps in 2026. The S&P 500's run in 2025 has seen it trump the S&P SmallCap 600's annualized price return since 1994, which could be a sign of a mean-reversion cycle in 2026. The Fed's expectations of GDP growth acceleration and interest rate cuts create a favorable environment for small caps.
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Pagaya's Credit Trends Are Improving: Here's What it Means
Published: December 30, 2025 by: Zacks Investment Research
Sentiment: Positive
PGY's credit quality is stabilizing in 2025, with impairments down sharply from 2024 as seasoning, funding and AI underwriting gains take hold.
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Are Finance Stocks Lagging Pagaya Technologies Ltd. (PGY) This Year?
Published: December 30, 2025 by: Zacks Investment Research
Sentiment: Negative
Here is how Pagaya Technologies Ltd. (PGY) and Banco De Chile (BCH) have performed compared to their sector so far this year.
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PGY vs. TREE: Which Fintech Is Poised Better for Sustainable Profits?
Published: December 26, 2025 by: Zacks Investment Research
Sentiment: Positive
Pagaya and LendingTree target digital lending profits, but AI-driven underwriting and funding scale put PGY's growth story against TREE's mature marketplace.
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Pagaya Technologies After The Reset: Growth Still Works, Price Finally Does Too
Published: December 22, 2025 by: Seeking Alpha
Sentiment: Positive
Pagaya Technologies (PGY) is now a more attractive Buy following a valuation reset and continued strong execution on growth and margins. PGY's AI-driven platform, partner expansion, and data flywheel provide structural growth and reduce cyclicality compared to B2C lenders. Q3 saw network volume up 19% YoY, revenue up 36% YoY, and adjusted EBITDA margins expand 900 bps to 30.6%.
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How to Play Pagaya Stock as It Remains Resilient Through Cycles?
Published: December 10, 2025 by: Zacks Investment Research
Sentiment: Positive
PGY's AI-driven, cycle-resilient model, rising volumes and capital flexibility underpin its strong 2025 momentum and attract investor interest.
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Surging Earnings Estimates Signal Upside for Pagaya Technologies Ltd. (PGY) Stock
Published: December 05, 2025 by: Zacks Investment Research
Sentiment: Positive
Pagaya Technologies Ltd. (PGY) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
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Wall Street Analysts See a 63.99% Upside in Pagaya Technologies Ltd. (PGY): Can the Stock Really Move This High?
Published: December 05, 2025 by: Zacks Investment Research
Sentiment: Positive
The average of price targets set by Wall Street analysts indicates a potential upside of 64% in Pagaya Technologies Ltd. (PGY). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.
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KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2025-8 & Pagaya AI Debt Trust 2025-8
Published: December 02, 2025 by: Business Wire
Sentiment: Neutral
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to 15 classes of notes issued by Pagaya AI Debt Grantor Trust 2025-8 & Pagaya AI Debt Trust 2025-8 (collectively “PAID 2025-8”), an unsecured consumer loan ABS transaction. PAID 2025-8 has initial hard credit enhancement levels of 83.40% for the Class A-1 Notes to 1.83% for the Class F Notes. Credit enhancement is comprised of overcollateralization, subordination (except for the Class F Notes), cash reserve accounts funded at closi.
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PGY vs. UPST: Which AI Credit Platform Has Stronger Growth Setup?
Published: November 25, 2025 by: Zacks Investment Research
Sentiment: Positive
Pagaya's capital-light model, expanding AI lending reach and stronger valuation set the stage for a compelling long-term growth outlook.
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PGY's Network Volume Grows So Far in 2025: Will the Trend Continue?
Published: November 24, 2025 by: Zacks Investment Research
Sentiment: Positive
Pagaya's expanding lending verticals and improving credit trends power strong network volume growth toward its 2025 target.
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Pagaya: Its Operating Results Are Stellar: Its Stock Price Less So!
Published: November 21, 2025 by: Seeking Alpha
Sentiment: Positive
Pagaya (PGY) reported a strong quarter with robust outlook, yet shares remain deeply undervalued due to market sentiment and a 13 G/A filing that I believe to be misinterpreted. PGY's business model leverages AI for 'second look' sub-prime lending, with expanding partnerships, multi-product growth, and improving credit performance. Valuation is compelling: EV/S of 1.4x, P/E just greater than 5x, and projected 27% revenue growth, while operational efficiency and free cash flow are rising.
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Pagaya Shares Gain 56.8% in 6 Months: How to Play the Stock?
Published: November 20, 2025 by: Zacks Investment Research
Sentiment: Positive
PGY's 56.8% six-month surge highlights its diversified model, AI-driven network and funding strength as investors weigh rising expenses.
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Pagaya Technologies Ltd. (PGY) Upgraded to Buy: Here's Why
Published: November 20, 2025 by: Zacks Investment Research
Sentiment: Positive
Pagaya Technologies Ltd. (PGY) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
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KBRA Assigns Preliminary Ratings to Research-Driven Pagaya Motor Asset Trust 2025-6 and Research-Driven Pagaya Motor Trust 2025-6
Published: November 18, 2025 by: Business Wire
Sentiment: Neutral
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to seven classes of notes issued by Research-Driven Pagaya Motor Asset Trust 2025-6 and Research-Driven Pagaya Motor Trust 2025-6 (collectively “RPM 2025-6”), an auto loan ABS transaction. RPM 2025-6 has initial credit enhancement levels of 89.26% for the Class A-1 notes to 1.86% for the Class E notes. Credit enhancement is comprised of overcollateralization, subordination of junior note classes (except for the Class E notes), a cash r.
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Pagaya Technologies Understands The Role Of AI In Credit Underwriting
Published: November 18, 2025 by: Seeking Alpha
Sentiment: Positive
I rate Pagaya Technologies Ltd. a Strong Buy as it emerges as a leading AI-driven lending infrastructure provider for banks and fintechs. PGY acts as a 'picks and shovels' supplier, enabling lenders to automate underwriting, expand credit, and reach new borrower segments efficiently. Q3 2025 results highlight PGY's momentum: record revenue, profit, expanding margins, and a 19% year-over-year increase in network volume to $2.8 billion.
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Is Pagaya Stock's Low Valuation a Bargain or a Warning Sign?
Published: November 11, 2025 by: Zacks Investment Research
Sentiment: Positive
PGY's strong rally, resilient AI-driven model and discounted valuation highlight upside potential, though rising costs may cloud near-term growth.
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Pagaya Technologies: Q3 2025 Beat, Guidance Raised, Bull Case Strengthened
Published: November 10, 2025 by: Seeking Alpha
Sentiment: Positive
Pagaya Technologies Ltd. delivered a beat-and-raise Q3, with record revenue, profit, and expanding margins, reinforcing the Strong Buy thesis. PGY's fundamentals improved despite sector-wide credit fears, driven by product diversification, partner momentum, and strong credit performance. Funding costs dropped as PGY executed $1.8B in ABS deals, raised $500M in debt, and expanded its revolver, boosting liquidity and confidence.
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Pagaya Technologies Ltd. (PGY) Q3 2025 Earnings Call Transcript
Published: November 10, 2025 by: Seeking Alpha
Sentiment: Neutral
Pagaya Technologies Ltd. ( PGY ) Q3 2025 Earnings Call November 10, 2025 8:30 AM EST Company Participants Josh Fagen - Head of Investor Relations & COO of Finance Gal Krubiner - CEO, Co-Founder & Director Sanjiv Das - Co-Founder & President Evangelos Perros - Chief Financial Officer Conference Call Participants John Hecht - Jefferies LLC, Research Division Peter Christiansen - Citigroup Inc., Research Division Harold Goetsch - B.
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About Pagaya Technologies Ltd. (PGY)
- IPO Date 2021-04-21
- Website https://www.pagaya.com
- Industry Software - Infrastructure
- CEO Gal Krubiner
- Employees 527