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Pagaya Technologies Ltd ( (PGY) ) just unveiled an update.
Pagaya Technologies reported on February 9, 2026 that it achieved record profitability for the fourth quarter and full year ended December 31, 2025, as GAAP net income attributable to shareholders rose to $34 million for the quarter and $81 million for the year, reversing prior losses. Revenue growth of 20% in the quarter and 26% for 2025, alongside expanding network volume and higher fee revenue from personal loan and auto verticals, drove adjusted EBITDA to $98 million in Q4 and $371 million for the year.
The company highlighted operating leverage, reduced expenses and normalized impairments as key drivers, while also expanding its funding and distribution channels through $8.5 billion of asset‑backed securities issuance and new revolving structures. Pagaya further broadened its institutional support with inaugural forward flow agreements and a AAA‑rated revolving ABS deal across its three core asset classes, positioning the platform for continued scale and risk‑disciplined growth, with implications for greater resilience and deeper penetration of consumer credit markets.
The most recent analyst rating on (PGY) stock is a Hold with a $19.00 price target. To see the full list of analyst forecasts on Pagaya Technologies Ltd stock, see the PGY Stock Forecast page.
Spark’s Take on PGY Stock
According to Spark, TipRanks’ AI Analyst, PGY is a Neutral.
The score is held back primarily by weak profitability metrics and high leverage in the financial statements. Offsetting this, the latest earnings call highlighted strong growth, expanding EBITDA margins, and raised guidance, while technicals are modestly constructive but not decisively bullish. Valuation is less supportive due to a negative P/E and no indicated dividend yield.
To see Spark’s full report on PGY stock, click here.
More about Pagaya Technologies Ltd
Pagaya Technologies Ltd., listed on Nasdaq under the ticker PGY, is a global technology company that uses machine learning, a vast data network and an AI‑driven approach to power consumer credit and residential real estate solutions. Its proprietary API and capital solutions integrate with a network of partners to deliver mainstream financial products to more consumers, with operations based in New York and Tel Aviv.
Average Trading Volume: 3,469,594
Technical Sentiment Signal: Sell
Current Market Cap: $1.5B
See more insights into PGY stock on TipRanks’ Stock Analysis page.