Pagaya (PGY)

Currency in USD
11.490
-0.520(-4.33%)
Closed·
11.535+0.045(+0.39%)
·
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Fair Value
Day's Range
11.17011.740
52 wk Range
8.50044.990
Key Statistics
Prev. Close
12.01
Open
11.6
Day's Range
11.17-11.74
52 wk Range
8.5-44.99
Volume
3.4M
Average Volume (3m)
3.92M
1-Year Change
8.7039%
Book Value / Share
5.97
Fair Value
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Fair Value Upside
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PGY Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
27.545
Upside
+139.73%
Members' Sentiments
Bearish
Bullish
ProTips
Net income is expected to grow this year

Pagaya News & Analysis

Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Sell

Pagaya Company Profile

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 is headquartered in New York, New York.

Pagaya SWOT Analysis


Fintech Innovato
Pagaya Technologies leverages AI-driven technology to revolutionize consumer finance, partnering with lending institutions for efficient scaling and improved margins
Growth Trajectory
Explore Pagaya's impressive revenue growth and projected profitability, with analysts forecasting a 20% CAGR and GAAP profitability by Q1 2025
Strategic Partnerships
Delve into Pagaya's collaboration with Klarna, potentially generating over $1 billion in originations and expanding into point-of-sale financing for major retailers
Market Outlook
Analysts maintain bullish ratings with price targets ranging from $13.75 to $46, citing Pagaya's unique business model and potential for significant operating leverage
Read full SWOT analysis

Pagaya Earnings Call Summary for Q4/2025

  • Pagaya (NASDAQ:PGYA) reported Q4 2025 EPS of $0.80, exceeding forecasts by 128.57%, but missed revenue expectations with $334.81M, causing shares to plummet 25.59%
  • Full-year 2025 revenue grew 26% to $1.3B, with GAAP net income of $81M reversing a $401M loss in 2024; adjusted EBITDA increased 76% year-over-year to $371M
  • For 2026, Pagaya projects network volume of $11.25B-$13B, revenue of $1.4B-$1.575B, adjusted EBITDA of $410M-$460M, and GAAP net income of $100M-$150M
  • CEO Gal Krubiner emphasized becoming 'a better Pagaya, not just a bigger one,' with the company reducing exposure to high-risk credit segments by $1.5B annually
Last Updated: 09/02/2026, 14:56
Read Full Transcript

Compare PGY to Peers and Sector

Metrics to compare
PGY
Peers
Sector
Relationship
P/E Ratio
12.3x−10.7x12.2x
PEG Ratio
0.11−0.250.01
Price/Book
2.0x2.3x2.4x
Price / LTM Sales
0.7x2.5x2.3x
Upside (Analyst Target)
161.1%62.1%28.2%
Fair Value Upside
Unlock11.2%6.7%Unlock

Analyst Ratings

10 Buy
1 Hold
0 Sell
Ratings:
11 analysts
Overall Consensus
Strong Buy

Analysts 12-Month Price Target:

Average 27.545
(+139.73% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
B.Riley
Buy32.00+178.50%54.00Maintain10/02/2026
Benchmark
Buy33.00+187.21%48.00Maintain10/02/2026
Stephens
Buy25.00+117.58%33.00Maintain10/02/2026
Citizens
Buy22.00+91.47%35.00Maintain10/02/2026
Canaccord Genuity
Buy32.00+178.50%39.00Maintain09/02/2026

Earnings

Latest Release
Feb 09, 2026
EPS / Forecast
0.80 / 0.35
Revenue / Forecast
334.81M / 348.75M
EPS Revisions
Last 90 days

Pagaya (PGY) Income Statement & Profits

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FAQ

What Is the Pagaya (PGY) Share Price Today?

The Pagaya stock price today is 11.490 USD.

What Stock Exchange Does Pagaya (PGY) Trade On?

Pagaya is listed and trades on the Nasdaq Stock Exchange.

What Is the Ticker (Stock Symbol) for Pagaya?

The stock symbol (also called a 'ticker') for Pagaya is "PGY."

What Is the Current Pagaya Market Cap?

As of today, Pagaya market cap is 948.230M USD.

What Is Pagaya's (PGY) Earnings Per Share (TTM)?

The Pagaya EPS is currently 0.930 (Trailing Twelve Months).

When Is the Next Pagaya Earnings Date?

Pagaya's next earnings report will be released on 07/05/2026.

Is PGY a Buy or Sell From a Technical Analyst Perspective?

Based on today's Pagaya moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has Pagaya Stock Split?

Pagaya has split 1 times. (See the PGY stock split history page for full effective split date and price information.)

How Many Employees Does Pagaya Have?

Pagaya has 518 employees.

What is the current trading status of Pagaya (PGY)?

As of 08/03/2026, Pagaya (PGY) is trading at a price of 11.490 USD, with a previous close of 12.010 USD. The stock has fluctuated within a day range of 11.170 USD to 11.740 USD, while its 52-week range spans from 8.500 USD to 44.990 USD.

What Is Pagaya (PGY) Price Target According to Analysts?

The average 12-month price target for Pagaya is 27.545 USD, with a high estimate of 33 USD and a low estimate of 20 USD. 10 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Strong Buy. The stock has an +139.73% Upside potential.

What Is the PGY Premarket Price?

PGY's last pre-market stock price is 11.562 USD. The pre-market share volume is 162,890.000, and the stock has decreased by -0.448, or -3.730%.

What Is the PGY After Hours Price?

PGY's last after hours stock price is 11.535 USD, the stock has decreased by 0.045, or 0.390%.
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