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PGY Stock Chart & Stats
$15.89
$1.36(8.53%)
At close: 4:00 PM EDT
$15.89
$1.36(8.53%)
Day’s Range― - ―
52-Week Range$10.40 - $44.99
Previous CloseN/A
Volume113.52K
Average Volume (3M)3.34M
Market Cap
$1.60B
Enterprise Value$2.46K
Total Cash (Recent Filing)$1.29B
Total Debt (Recent Filing)$907.34M
Price to Earnings (P/E)12.8
Beta2.35
Next Earnings
Nov 17, 2026EPS Estimate
0.47Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.50
Shares Outstanding71,635,860
10 Day Avg. Volume2,103,672
30 Day Avg. Volume3,341,405
Financial Highlights & Ratios
PEG Ratio-0.18
Price to Book (P/B)3.41
Price to Sales (P/S)1.30
P/FCF Ratio7.29
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$28.71Price Target Upside80.71% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering7
EPS Forecast (FY)1.38
Revenue Forecast (FY)$1.47B
Bulls Say, Bears Say
Bulls Say
Cash GenerationPagaya’s operating cash flow and free cash flow have grown materially and track closely with net income (≈0.95x), indicating high-quality cash conversion. Durable FCF supports reinvestment, capital recycling and gives the firm flexibility to fund growth or pay down liabilities over the coming months.
Profitability TurnaroundThe company moved from multi-year losses to sustained GAAP profitability (positive net income in 2025 and TTM, margin improvement to ~7.6–8%), showing structural operating improvements and leverage. Consistent profitability across quarters supports reinvestment and reduces reliance on external funding over a 2–6 month horizon.
Funding & Capital Markets AccessPagaya’s demonstrated ability to access diversified ABS markets, secure top ratings (Fitch AAA), attract many institutional partners and recycle capital via resecuritizations materially strengthens its funding model. This durable funding flexibility underpins origination scale and reduces single-channel funding risk.
Bears Say
Elevated LeveragePagaya’s meaningful debt relative to equity (~1.75x) constrains financial flexibility and amplifies downside risk if earnings or funding conditions deteriorate. Even with ROE improvement, elevated leverage increases refinancing and interest sensitivity over the medium term and limits strategic optionality.
FRLPC Margin PressureFee revenue less production costs (FRLPC) is under structural pressure from higher cost of capital and tighter ABS pricing, which lowers take-rates. Persistent repricing in credit markets can keep unit economics muted and compress revenue per dollar of volume over several quarters unless funding spreads normalize.
Investment/Mark-to-Market VolatilityMaterial investment losses and downward fair-value adjustments underscore exposure to asset-price swings and mark-to-market volatility in Pagaya’s investment positions. Recurring portfolio volatility can erode capital, increase earnings variability and strain funding if adverse marks persist across quarters.
Pagaya Technologies Ltd News
PGY FAQ
What was Pagaya Technologies Ltd.’s price range in the past 12 months?
Pagaya Technologies Ltd. lowest stock price was $10.40 and its highest was $44.99 in the past 12 months.
What is Pagaya Technologies Ltd.’s market cap?
Pagaya Technologies Ltd.’s market cap is $1.60B.
When is Pagaya Technologies Ltd.’s upcoming earnings report date?
Pagaya Technologies Ltd.’s upcoming earnings report date is Nov 17, 2026 which is in 103 days.
How were Pagaya Technologies Ltd.’s earnings last quarter?
Pagaya Technologies Ltd. released its earnings results on Jul 30, 2026. The company reported $0.49 earnings per share for the quarter, beating the consensus estimate of $0.322 by $0.168.
Is Pagaya Technologies Ltd. overvalued?
According to Wall Street analysts Pagaya Technologies Ltd.’s price is currently Undervalued.
Does Pagaya Technologies Ltd. pay dividends?
Pagaya Technologies Ltd. does not currently pay dividends.
What is Pagaya Technologies Ltd.’s EPS estimate?
Pagaya Technologies Ltd.’s EPS estimate is 0.47.
How many shares outstanding does Pagaya Technologies Ltd. have?
Pagaya Technologies Ltd. has 71,635,860 shares outstanding.
What happened to Pagaya Technologies Ltd.’s price movement after its last earnings report?
Pagaya Technologies Ltd. reported an EPS of $0.49 in its last earnings report, beating expectations of $0.322. Following the earnings report the stock price went up 8.956%.
Which hedge fund is a major shareholder of Pagaya Technologies Ltd.?
Currently, no hedge funds are holding shares in PGY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Pagaya Technologies Ltd Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$28.71 (80.71% Upside)
$28.71 (80.71% Upside)
Blogger Sentiment
Bullish
PGY Sentiment 95%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 27.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $737.6K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 0.6%
Last 30 Days ▼ 0.8%
Last 30 Days ▼ 0.8%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-50.65%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
21.02%
Trailing 12-Months
Company Description
Pagaya Technologies Ltd.
Pagaya Technologies Ltd. is a financial technology enterprise operating across Israel, the United States, and the Cayman Islands. The company specializes in developing and implementing its proprietary artificial intelligence systems and associated software platforms. These advanced solutions are designed to assist its diverse range of partners – including rapidly growing fintech companies, traditional financial institutions, auto finance providers, and brokers – in originating various loans and other financial assets. Founded in 2016, Pagaya Technologies Ltd. is headquartered in Tel Aviv, Israel.
PGY Company Deck
PGY Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a largely positive operational and financial momentum: sustained GAAP profitability (fifth consecutive quarter), double-digit revenue growth, improved margins and strong adjusted EBITDA, record auto performance, successful capital raises and important capital‑market milestones (Fitch AAA, first auto securitization, resecuritizations providing recycleable capital), and an active partner onboarding pipeline. The company is managing market volatility prudently by diversifying funding across ABS and other channels and maintaining disciplined underwriting. Notable negatives include a $38M investment loss, downward fair‑value adjustments, FRLPC margin compression driven by higher cost of capital, ongoing private credit market repricing risk, and intentionally tighter underwriting that keeps application-to-volume conversion below 1%. Overall, the positive operational and capital‑markets achievements and upgraded guidance outweigh the financial and market headwinds discussed.View all PGY earnings summariesPGY Stock 12 Month Forecast
Average Price Target
$28.71
▲(80.71% Upside)
Technical Analysis
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Ownership Overview
9.18% Insiders
10.25% Mutual Funds
2.50% Other Institutional Investors
71.54% Public Companies and Individual Investors