Pagaya (PGY)

Currency in USD
21.720
-0.200(-0.91%)
Real-time Data·
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Fair Value
Day's Range
21.24122.280
52 wk Range
10.40044.990
Key Statistics
Prev. Close
21.92
Open
22.28
Day's Range
21.241-22.28
52 wk Range
10.4-44.99
Volume
1.45M
Average Volume (3m)
3.96M
1-Year Change
-33.6083%
Book Value / Share
7.16
Fair Value
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Fair Value Upside
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PGY Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
28.500
Upside
+31.22%
Members' Sentiments
Bearish
Bullish
ProTips
Net income is expected to grow this year

Pagaya News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Neutral
Technical Indicators
Strong Sell
Moving Averages
Buy

Analyst Ratings

10 Buy
0 Hold
0 Sell
Ratings:
10 analysts
Overall Consensus
Strong Buy

Analysts 12-Month Price Target:

Average 28.500
(+31.22% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
B.Riley
Buy36.00+66.20%32.00MaintainJul 31, 2026
Citizens
Buy25.00+15.42%22.00MaintainJul 31, 2026
Benchmark
Buy33.00+52.35%33.00MaintainJul 27, 2026
B.Riley
Buy32.00+47.74%-MaintainJun 30, 2026
Texas Capital Securities
Buy27.00+24.65%-New CoverageJun 10, 2026

Pagaya SWOT Analysis


Fintech Innovato
Pagaya Technologies leverages AI-driven technology to revolutionize consumer finance, partnering with lending institutions for efficient scaling and improved margins
Growth Trajectory
Explore Pagaya's impressive revenue growth and projected profitability, with analysts forecasting a 20% CAGR and GAAP profitability by Q1 2025
Strategic Partnerships
Delve into Pagaya's collaboration with Klarna, potentially generating over $1 billion in originations and expanding into point-of-sale financing for major retailers
Market Outlook
Analysts maintain bullish ratings with price targets ranging from $13.75 to $46, citing Pagaya's unique business model and potential for significant operating leverage
Read full SWOT analysis

Pagaya Earnings Call Summary for Q2/2026

  • Pagaya reported record Q2 results with adjusted EPS of $1.07 vs. $0.33 estimate and revenue of $365.6M, beating forecasts by 224%.
  • Network volume surged 33% YoY to $3.5B; operating income jumped 87% to $106M with adjusted EBITDA margin expanding to 32%.
  • Company raised full-year 2026 net income guidance by ~25% at midpoint to $155M-$180M, citing strong partner-led growth strategy.
  • Core operating expenses fell 6% YoY despite volume growth, demonstrating significant operating leverage and improved unit economics.
  • Stock traded down 0.43% to $16.12 despite beat, remaining 64% below 52-week high amid investor caution on funding costs and credit cycle risks.
Last Updated: 2026/07/30, 15:54
Read Full Transcript

Earnings

Latest Release
Jul 30, 2026
EPS / Forecast
1,07 / 0,33
Revenue / Forecast
365,63M / 356,54M
EPS Revisions
Last 90 days

PGY Income Statement

Compare PGY to Peers and Sector

Metrics to compare
PGY
Peers
Sector
Relationship
P/E Ratio
14.8x27.9x12.5x
PEG Ratio
0.110.050.01
Price/Book
3.0x2.5x2.4x
Price / LTM Sales
1.3x3.3x2.2x
Upside (Analyst Target)
27.7%19.5%33.2%
Fair Value Upside
Unlock12.8%4.7%Unlock

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. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
8,02M9,67%178,38M
Other Institutional Investors
39,83M48,03%885,57M
Public Companies & Retail Investors
35,07M42,30%779,88M
Total
82,92M100,00%1,84B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.5,39%4 470 91099 411
Saro, L.P3,32%2 749 85361 143

FAQ

What Is the Pagaya (PGY) Stock Price Today?

The Pagaya stock price today is 21,720 USD.

What Stock Exchange Does Pagaya Trade On?

Pagaya is listed and trades on the Nasdaq Stock Exchange.

What Is the Stock Symbol for Pagaya?

The stock symbol for Pagaya is "PGY."

What Is the Pagaya Market Cap?

As of today, Pagaya market cap is 1,800B USD.

What Is Pagaya's Earnings Per Share (TTM)?

The Pagaya EPS (TTM) is 1,395.

When Is the Next Pagaya Earnings Date?

Pagaya will release its next earnings report on Nov 17, 2026.

From a Technical Analysis Perspective, Is PGY a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Pagaya Stock Split?

Pagaya has split 1 times.

How Many Employees Does Pagaya Have?

Pagaya has 493 employees.

What is the current trading status of Pagaya (PGY)?

As of Aug 05, 2026, Pagaya (PGY) is trading at a price of 21,720 USD, with a previous close of 21,920 USD. The stock has fluctuated within a day range of 21,241 USD to 22,280 USD, while its 52-week range spans from 10,400 USD to 44,990 USD.

What Is Pagaya (PGY) Price Target According to Analysts?

The average 12-month price target for Pagaya is 28,500 USD, with a high estimate of 36 USD and a low estimate of 21 USD. 10 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Strong Buy. The stock has an +31,22% Upside potential.

What Is the PGY Premarket Price?

PGY's last pre-market stock price is 22,010 USD. The pre-market share volume is 22 410,000, and the stock has decreased by 0,090, or 0,410%.

What Is the PGY After Hours Price?

PGY's last after hours stock price is 21,980 USD, the stock has decreased by 0,060, or 0,270%.
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