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Pagaya Technologies Ltd.
PGY
NASDAQ·Technology·Software - Infrastructure·Mkt cap $1.6B
$17.79
▼ -5.22%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$10.40 - $44.99
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 15.4% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
3 reasons
- Proprietary AI and machine learning technology developed over years of data accumulation
- Diversified partner ecosystem spanning traditional banks, fintech companies, and alternative lenders
- Global operational presence with expertise in multiple regulatory environments
Bear Case
1 risk
- Very high volatility (beta 5.4). Expect 3x market swings. Position size accordingly.
Growth
Strong growth ahead
Increasing digital transformation of lending and credit origination processes
Value
Attractively priced below Cybersecurity Software peer average
Momentum
Hot
+59.5% over 3m
Quality
Strong
Excellent business quality
Dividend
None
No dividend
Smart-money signal
Who's buying PGY right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: May 5, 2026
MAY 7, 2026
Reported EPS of $0.28 vs $0.20 consensus (+40.0% surprise). Revenue of $317.9M vs $323.8M expected (-1.8%).
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+40.0%
Next: May 5, 2026
Revenue trend · last 8Q
—
—
+31%
+19%
+31%
+36%
+16%
+12%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$84.4M
$86.7M
$95.9M
$98.3M
$110.5M
$118.2M
$111.6M
$110.6M
Margins · last 8Q
Gross
—
Operating
—
Profit
7.8%
Wall Street consensus
4 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Citi · Jun 4, 2026