Price
$20.93+17.32%Social Signal Score
Analyst Ratings
14 analysts52-week range
- Last close
- $20.93
- Off 52w high
- -52.2%
- 200-day average
- $17.57
- vs 200-day
- +19.2%
Revenue
$365.64M+2685.08%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Gal Krubiner
- Sector
- Technology
- Industry
- Software - Infrastructure
- Employees
- 493
- Beta
- 5.37
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 2.21
Financials
Revenue
$365.64M+2685.1%Net Income
$45.27M+3486.0%EBITDA
$45.16M+3126.9%Free Cash Flow
$71.25MEPS (diluted)
$0.49+2799.4%Shares Outstanding (diluted)
97.25M+429.1%Operating Expenses
$62.53MCash & Debt
$1.29BRevenue by Segment (annual)
$130.00MQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.26B | $81.39M | $0.99 |
| 2024 | $1.00B | $-401.41M | $-5.66 |
| 2023 | $772.81M | $-128.44M | $-2.14 |
| 2022 | $685.41M | $-302.32M | $-8.28 |
| 2021 | $445.87M | $-91.15M | $-8.25 |
| 2020 | $91.74M | $14.47M | $0.31 |
| 2019 | $36.14M | $-5.62M | $-0.54 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $1.53
- Implied price
- $32.06
- Return from $17.98
- 12.3% a year
To earn 15.0% a year on these assumptions you'd need to buy at $15.94 — -11.4% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 15 | 18 | 21 | 24 | 27 |
|---|---|---|---|---|---|
| -2.0% | -4.8% | -1.2% | 1.9% | 4.6% | 7.1% |
| 3.0% | 0.1% | 3.8% | 7.1% | 10.0% | 12.6% |
| 8.0% | 5.0% | 8.9% | 12.3% | 15.3% | 18.0% |
| 13.0% | 9.8% | 13.9% | 17.5% | 20.6% | 23.5% |
| 18.0% | 14.7% | 18.9% | 22.7% | 26.0% | 29.0% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
30-60.00%Social Signal Score
Mentions (29)
- Newszacks.com·12h ago·Negative
Why Pagaya Technologies Ltd. (PGY) Outpaced the Stock Market Today 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.
View source ↗ - Newszacks.com·5d ago·Neutral
Pagaya Trades at a Discount: Is the Stock Worth Investing In? PGY trades below peers on P/S as diversified funding, product expansion and operating leverage support growth, though margin pressures remain.
View source ↗ - Newsbusinesswire.com·6d ago·Negative
KBRA Assigns Preliminary Ratings to Research-Driven Pagaya Motor Asset Trust 2026-5 and Research-Driven Pagaya Motor Trust 2026-5 NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to 16 classes of notes issued by Research-Driven Pagaya Motor Asset Trust 2026-5 and Research-Driven Pagaya Motor Trust 2026-5 (collectively “RPM 2026-5”), an auto loan ABS transaction. RPM 2026-5 has initial credit enhancement levels of 94.54% for the Class A-1 notes to 5.19% for the Cl
View source ↗ - Newsseekingalpha.com·6d ago·Neutral
Pagaya: The 5x P/E Is The Wrong Reason To Own This Stock 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.
View source ↗ - Newszacks.com·10d ago·Positive
Pagaya Technologies Ltd. (PGY) Stock Dips While Market Gains: Key Facts Pagaya Technologies Ltd. (PGY) concluded the recent trading session at $17.62, signifying a -5.88% move from its prior day's close.
View source ↗ - Newsseekingalpha.com·12d ago·Positive
Pagaya Technologies: A High-Conviction Satellite Bet With 20%+ Projected IRR 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.
View source ↗ - Newsbusinesswire.com·14d ago·Negative
KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2026-6 and Pagaya AI Debt Trust 2026-6 NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to 13 classes of notes issued by Pagaya AI Debt Grantor Trust 2026-6 and Pagaya AI Debt Trust 2026-6, collectively “PAID 2026-6,” an unsecured consumer loan ABS transaction. PAID 2026-6 has initial hard credit enhancement levels ranging from 80.57% for the Class A-1 Notes to 3.72% for the Class F-2 Notes. Credit
View source ↗ - Newsseekingalpha.com·17d ago·Positive
Pagaya: The Growth Narrative Is Getting Harder To Ignore Pagaya Technologies is rated Strong Buy due to rapid profit growth outpacing revenue and an attractive 5x 2027 forward P/E valuation. Q2 results highlight 19% revenue growth, 43% adjusted EBITDA growth, and 172% GAAP net profit growth, with core costs nearly flat. Auto lending is the primary growth engine, with 140% YoY Auto Network Volume growth and significant runway via new bank partnerships and product expansion.
View source ↗ - Newszacks.com·17d ago·Positive
Pagaya Technologies Ltd. (PGY) Upgraded to Strong Buy: Here's What You Should Know Pagaya Technologies Ltd. (PGY) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects.
View source ↗ - Newszacks.com·17d ago·Neutral
Will Pagaya's $700M Neuberger Deal Help Accelerate Auto Growth? PGY's $700M Neuberger forward flow deal adds funding capacity as its auto business scales and drives a growing share of network volume.
View source ↗ - Newsseekingalpha.com·18d ago·Positive
Pagaya: A Round Trip To Nowhere Hides A Doubling In Profits Pagaya Technologies retains a Buy rating, with conviction increased due to doubling of core earning power despite stock volatility. Q2 2026 results highlight 33% YoY network volume growth, 20% revenue growth, and operating income up 87%, with net income margin inflecting to 12%. Take rate compression is attributed to prudent securitization pricing and partner/product expansion, while operating leverage shields earnings from margin press
View source ↗ - Newsseekingalpha.com·18d ago·Positive
Pagaya Technologies Is A Buy Despite The Rising Interest Rate Environment Pagaya Technologies Ltd. (PGY) demonstrates strong Q2/2026 revenue re-acceleration, profit growth, and robust partner network expansion. PGY's AI-driven lending model delivers stable performance and operating leverage, with over 45% of flow now from non-decline products. Despite exceptional profitability and resilience, PGY trades at a significant valuation discount to peers, with a forward P/E of 5.1 and PEG of 0.09.
View source ↗ - Newszacks.com·18d ago·Positive
Pagaya Technologies Ltd. (PGY) is a Top-Ranked Growth Stock: Should You Buy? The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
View source ↗ - Newsbusinesswire.com·20d ago·Positive
… Forward Flow Agreement with Neuberger Specialty Finance Expanding Long-Term, Committed Capital Strategy 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 a new forward flow agreement with Neuberger Specialty Finance (“NBSF”), the Asset Based Finance arm of Neuberger, for the purchase of up to $700 million of auto loans sourced through Pagaya's network of au…
View source ↗ - Newszacks.com·20d ago·Neutral
Pagaya Technologies Ltd. (PGY) Falls More Steeply Than Broader Market: What Investors Need to Know Pagaya Technologies Ltd. (PGY) closed at $21.03 in the latest trading session, marking a -2.16% move from the prior day.
View source ↗ - Newszacks.com·35d ago·Positive
PGY Shares Surge 93.8% in 6 Months: Should You Buy It Now? Pagaya shares soar 93.8% in six months as stronger growth, rising profitability and institutional funding support a sharp rebound.
View source ↗ - Newszacks.com·40d ago·Neutral
Wall Street Analysts See a 30.86% Upside in Pagaya Technologies Ltd. (PGY): Can the Stock Really Move This High? The mean of analysts' price targets for Pagaya Technologies Ltd. (PGY) points to a 30.9% upside in the stock.
View source ↗ - Newszacks.com·47d ago·Positive
Can Network Volume Strength Keep PGY's Top-Line Growth on Track? Pagaya's record network volume, fueled by auto, personal loans and new products, is supporting revenue growth as funding access remains strong.
View source ↗ - Newsseekingalpha.com·47d ago·Positive
Pagaya Technologies: A Fast-Growing Industry Disruptor Trading At A P/E Of 6.6x Pagaya Technologies Ltd. is my highest conviction GARP holding, rated Strong Buy, now representing 25% of my portfolio. PGY has transitioned from high growth but unprofitable to profitable, with six consecutive quarters of profitability and accelerating network volume. Q2 2026 results showed a network volume of $3.54B (vs. $2.97B estimate), +19% revenue, +99% adjusted net income, and -6% core operating expenses.
View source ↗ - Newsseekingalpha.com·49d ago·Positive
…get Falls I'm reiterating Pagaya Technologies as a Strong Buy, with the price target adjusted to $67 due to higher share count and net debt. Q2 2026 results validate PGY's AI-driven lending platform, showing 33% network volume growth, 43% adjusted EBITDA growth, and expanding operating leverage. Core operating expenses declined 6% while network volume surged, driving adjusted EBITDA margin to 32% and reinforcing confidence in scalable profitability.
View source ↗ - Newszacks.com·49d ago·Negative
PGY vs. UPST: Which AI Credit Stock Is the Better Investment Option? The artificial intelligence (AI)-driven lending landscape has gained momentum as financial institutions increasingly turn to technology to improve credit underwriting, expand borrower access and manage risk. Pagaya Technologies Ltd.
View source ↗ - Newsmarketbeat.com·51d ago·Positive
Pagaya Targets $200M Net Income Run Rate as Lending Network Expands Pagaya Technologies NASDAQ: PGY CFO Jonathan Dobres outlined the company's growth strategy, funding model and profitability trajectory at the 46th Annual Canaccord Growth Conference, emphasizing expansion with existing lending partners as well as new partner additions.
View source ↗ - Newszacks.com·55d ago·Positive
Pagaya's Q2 Earnings Beat and Higher Guidance Strengthen Growth Case PGY's Q2 beat, record network volume and higher 2026 guidance strengthen its growth case, but execution remains key.
View source ↗ - Newszacks.com·55d ago·Positive
Pagaya Stock Rose 10.4% in a Week, But Can the Rally Continue Now? PGY's 10.4% weekly gain follows stronger earnings, deeper funding and partner growth, but rising costs and concentration risks could test the rally.
View source ↗ - Newszacks.com·55d ago·Neutral
PGY Looks Cheap, But Can Growth Outpace Execution and Funding Risks? Pagaya trades below its industry P/B average, while rising earnings estimates and growth face funding-cost and execution risks.
View source ↗ - Newszacks.com·55d ago·Positive
Why Pagaya Technologies Ltd. (PGY) is a Top Growth Stock for the Long-Term The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
View source ↗ - Newsseekingalpha.com·56d ago·Positive
Pagaya: The Profit Machine Is Awake In Auto Lending, But Wall Street Is Still Asleep - Strong Buy Pagaya continues its transformation into a deeply integrated player across the loan approval process, driving partner entrenchment and influence over loan quality. Q2 2026 saw record network volume of $3.5B (+33% YoY), with auto lending accounting for over 75% of growth and auto loan volume up 140% YoY. The company's profit and volume growth outpaced revenue, while operating expenses remained nearly
View source ↗ - Newszacks.com·56d ago·Neutral
Earnings Estimates Rising for Pagaya Technologies Ltd. (PGY): Will It Gain? Pagaya Technologies Ltd. (PGY) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
View source ↗ - Newszacks.com·56d ago·Neutral
Wall Street Analysts Think Pagaya Technologies Ltd. (PGY) Could Surge 30.03%: Read This Before Placing a Bet The average of price targets set by Wall Street analysts indicates a potential upside of 30% 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.
View source ↗
Earnings
Mon, Nov 9(in 5 weeks)
Consensus estimate $0.47 per share
Typical surprise -9.4% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 30$0.49 vs $0.32beat
- Thu, May 7$0.29 vs $0.32miss
- Mon, Feb 9$0.36 vs $0.34beat
- Mon, Nov 10$0.23 vs $0.21beat
- Thu, Aug 7$0.20 vs $0.47miss
- Wed, May 7$0.10 vs $0.19miss
Estimates and results for PGY via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by PGY officers and directors.
- Bought
- $250k
- Sold
- $4.6m
1 trade
32 trades
- Vieira Corysold
- Das Sanjivsold
- Dobres Jonathansold
- Rosen Tamisold
- Dobres Jonathansold
- Rosen Tamisold
- Das Sanjivsold
- Dobres Jonathansold
67 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in PGY.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.