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PGY Stock Chart & Stats
$22.26
$1.36(8.53%)
At close: 4:00 PM EDT
$22.26
$1.36(8.53%)
Day’s Range― - ―
52-Week Range$10.40 - $31.06
Previous CloseN/A
Volume113.52K
Average Volume (3M)2.37M
Market Cap
$1.53B
Enterprise Value$2.46B
Total Cash (Recent Filing)$1.29B
Total Debt (Recent Filing)$907.34M
Price to Earnings (P/E)12.7
Beta2.51
Next Earnings
Oct 29, 2026EPS Estimate
0.47Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.50
Shares Outstanding72,137,270
10 Day Avg. Volume2,012,819
30 Day Avg. Volume2,366,815
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 Cap1.61
Enterprise Value/Revenue1.86
Enterprise Value/Gross Profit4.57
Enterprise Value/Ebitda20.31
Forecast
1Y Price Target
$28.38Price Target Upside27.47% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering8
EPS Forecast (FY)1.66
Revenue Forecast (FY)$1.46B
Bulls Say, Bears Say
Bulls Say
Revenue Growth And Profitability TurnaroundThe long-term revenue ramp demonstrates expanding platform scale, while the shift to positive and growing net income shows improved operating leverage. A larger earnings base can support reinvestment, strengthen partner confidence, and improve resilience over the next several quarters.
Strong And Rising Cash GenerationRising operating and free cash flow provide internally generated funding for growth and help reduce reliance on external capital. Free cash flow is also roughly in line with net income, indicating that recent profitability is converting into cash rather than remaining primarily accounting-based.
Expanding Institutional Funding AccessRecord securitization volume and participation from new investors indicate broad institutional demand for Pagaya-facilitated assets. A deeper funding network can support partner origination growth, diversify capital sources, and reinforce the platform’s role in consumer-credit markets.
Bears Say
Elevated Balance-sheet LeverageMeaningful leverage can amplify the impact of weaker earnings or funding conditions by increasing financial obligations and reducing balance-sheet flexibility. It may constrain capital allocation and make it harder for Pagaya to absorb volatility while continuing to invest in platform growth.
Historical Cash-flow VolatilityThe recent cash-generation improvement is encouraging, but the earlier weak or negative cash flow record shows that conversion has not yet been proven across a full cycle. Continued monitoring is important because volatility could limit funding flexibility during credit or origination stress.
Margin Pressure And Funding-cost SensitivityAs Pagaya expands origination and securitization volume, higher funding costs or weaker execution margins could prevent revenue growth from translating proportionally into earnings. The modest current net margin leaves less cushion if capital-market economics deteriorate.
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 $31.06 in the past 12 months.
What is Pagaya Technologies Ltd’s market cap?
Pagaya Technologies Ltd’s market cap is $1.53B.
When is Pagaya Technologies Ltd’s upcoming earnings report date?
Pagaya Technologies Ltd’s upcoming earnings report date is Oct 29, 2026 which is in 7 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 72,137,270 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:
$28.38 (27.47% Upside)
$28.38 (27.47% Upside)
Blogger Sentiment
Bullish
PGY Sentiment 91%
Sector Average 65%
Sector Average 65%
Hedge Fund Trend
Increased
By 173.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.3M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 0.2%
Last 30 Days ▼ 0.8%
Last 30 Days ▼ 0.8%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-34.77%
12-Months-Change
Fundamentals
Return on Equity
24.48%
Trailing 12-Months
Asset Growth
21.02%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
$28.38
▲(27.47% Upside)
Technical Analysis
Ownership Overview
9.20% Insiders
10.18% Mutual Funds
0.87% Other Institutional Investors
70.33% Public Companies and Individual Investors