Pagaya Technologies Ltd. is a financial technology company in Israel, the United States and the Cayman Islands. The company is headquartered in Tel Aviv, Israel.
| Revenue (TTM) | $1.39B |
| Gross Profit (TTM) | $603.06M |
| EBITDA | $351.62M |
| Operating Margin | 27.30% |
| Return on Equity | 19.50% |
| Return on Assets | 14.00% |
| Revenue/Share (TTM) | $17.03 |
| Book Value | $7.13 |
| Price-to-Book | 2.63 |
| Price-to-Sales (TTM) | 1.09 |
| EV/Revenue | 0.89 |
| EV/EBITDA | 3.89 |
| Quarterly Earnings Growth (YoY) | 143.30% |
| Quarterly Revenue Growth (YoY) | 18.60% |
| Shares Outstanding | $72.14M |
| Float | $70.49M |
| % Insiders | 5.29% |
| % Institutions | 48.75% |
Volatility is currently contracting
Pagaya outshines OneMain in growth projections, ROE and stock performance, but its premium valuation and funding risks raise questions about the better pick.
NEW YORK--(BUSINESS WIRE)--Pagaya Technologies Ltd. (NASDAQ: PGY) (“Pagaya”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced the closing of RPM 2026-5, a $650 million asset-backed securitization backed by auto loans. This landmark transaction represents Pagaya's 100th ABS deal since the Company's first securitization in 2018. Since 2018, Pagaya has raised over $44 billion to fund loan originations across multiple asset classes, in.
Pagaya is expanding committed-capital funding beyond securitizations, boosting flexibility while ABS remains a core funding engine.
In the closing of the recent trading day, Pagaya Technologies Ltd. (PGY) stood at $18.4, denoting a +2.34% move from the preceding trading day.
Small-cap companies are accustomed to living in the shadow of mega-cap tech firms, but there are signs that the market backdrop could be changing for some of these companies. Investors have been looking beyond the Magnificent Seven for growth opportunities, and smaller companies with improving fundamentals, unique business models, or other noteworthy catalysts may finally have an opportunity to win investor attention.
PGY trades below peers on P/S as diversified funding, product expansion and operating leverage support growth, though margin pressures remain.
Pagaya Technologies is undervalued on a GAAP basis, trading at 11.6x 2026 earnings, with a 12-month price target of $28 (34% upside). PGY's platform demonstrates strong operating leverage: Q2 volume grew 33% year-over-year, revenue rose 19%, and core opex fell 6%. Adjusted EPS overstates true profitability; recurring fair value losses on retained securitization interests are a real, material cost.
Pagaya Technologies leverages an embedded B2B2C AI platform, enabling tier-1 financial institutions to expand loan origination at near-zero incremental CAC. PGY's pre-funded ABS and institutional capital model insulate it from balance sheet risk and macro-driven funding squeezes, supporting uninterrupted growth. Operating leverage is driving GAAP profitability.
Pagaya Technologies Ltd. (PGY) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects.
PGY's $700M Neuberger forward flow deal adds funding capacity as its auto business scales and drives a growing share of network volume.
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