Pagaya Technologies (PGY) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 5/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
PGY Community Fair Values
Create NarrativeSee what 137 others think this stock is worth. Follow their fair value or set your own to get alerts.
Pagaya Technologies Ltd. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$10.96 |
| 52 Week High | US$44.99 |
| 52 Week Low | US$8.50 |
| Beta | 5.94 |
| 1 Month Change | -11.83% |
| 3 Month Change | -50.87% |
| 1 Year Change | -4.53% |
| 3 Year Change | -8.67% |
| 5 Year Change | n/a |
| Change since IPO | -90.87% |
Recent News & Updates
Recent updates
Pagaya Technologies Ltd.'s (NASDAQ:PGY) 28% Dip In Price Shows Sentiment Is Matching Revenues
Feb 09
Pagaya's Selloff Looks Detached From Reality
Dec 19Positive Sentiment Still Eludes Pagaya Technologies Ltd. (NASDAQ:PGY) Following 29% Share Price Slump
Oct 16The Market Lifts Pagaya Technologies Ltd. (NASDAQ:PGY) Shares 27% But It Can Do More
Aug 31Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Leap 27% Yet They're Still Not Telling The Full Story
Jul 07
Digital Transformation And AI Will Broaden Lending Channels
AI-enhanced products, network effects, and diversified asset classes support sustained revenue growth and improved margins amid ongoing digital transformation in the lending sector.A Piece Of The Puzzle Missing From Pagaya Technologies Ltd.'s (NASDAQ:PGY) 56% Share Price Climb
May 22Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Bounce 74% But Its Business Still Trails The Industry
Feb 15Pagaya: 2025 Will Be A Year Of Clarity, Strong Buy
Jan 24Is Pagaya Technologies (NASDAQ:PGY) Using Too Much Debt?
Jan 22PGY is a Buy
Core Product: Pagaya’s AI-powered platform for financial underwriting and risk assessment is a key driver of revenue. As financial institutions increasingly adopt AI solutions for more accurate and efPagaya Technologies Ltd. (NASDAQ:PGY) Just Reported, And Analysts Assigned A US$20.75 Price Target
Nov 15Pagaya Technologies Ltd.'s (NASDAQ:PGY) Price Is Right But Growth Is Lacking After Shares Rocket 28%
Nov 08Pagaya Technologies (NASDAQ:PGY) May Have Issues Allocating Its Capital
Oct 24Pagaya Technologies: The Writing Is On The Wall (Rating Downgrade)
Sep 26Little Excitement Around Pagaya Technologies Ltd.'s (NASDAQ:PGY) Revenues
Sep 18Shareholder Returns
| PGY | US Software | US Market | |
|---|---|---|---|
| 7D | -5.4% | -3.2% | -2.4% |
| 1Y | -4.5% | -3.9% | 16.8% |
Return vs Industry: PGY matched the US Software industry which returned -3.9% over the past year.
Return vs Market: PGY underperformed the US Market which returned 16.8% over the past year.
Price Volatility
| PGY volatility | |
|---|---|
| PGY Average Weekly Movement | 11.8% |
| Software Industry Average Movement | 9.0% |
| Market Average Movement | 6.8% |
| 10% most volatile stocks in US Market | 15.9% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: PGY's share price has been volatile over the past 3 months compared to the US market.
Volatility Over Time: PGY's weekly volatility (12%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2016 | 518 | Gal Krubiner | pagaya.com |
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.
Pagaya Technologies Ltd. Fundamentals Summary
| PGY fundamental statistics | |
|---|---|
| Market cap | US$904.49m |
| Earnings (TTM) | US$77.28m |
| Revenue (TTM) | US$1.30b |
Is PGY overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PGY income statement (TTM) | |
|---|---|
| Revenue | US$1.30b |
| Cost of Revenue | US$749.17m |
| Gross Profit | US$552.19m |
| Other Expenses | US$474.91m |
| Earnings | US$77.28m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.94 |
| Gross Margin | 42.43% |
| Net Profit Margin | 5.94% |
| Debt/Equity Ratio | 140.8% |
How did PGY perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/03/16 07:38 |
| End of Day Share Price | 2026/03/13 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Pagaya Technologies Ltd. is covered by 13 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Mark Palmer | Benchmark Company |
| Michael Legg | Benchmark Company |
| Harold Goetsch | B. Riley Securities, Inc. |