Pagaya Technologies Ltd (PGY)

Currency in USD
19.300
+0.070(+0.36%)
Real-time Data·
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Fair Value
Day's Range
19.04019.600
52 wk Range
10.40029.750
Key Statistics
Prev. Close
19.23
Open
19.19
Day's Range
19.04-19.6
52 wk Range
10.4-29.75
Volume
595.06K
Average Vol. (3m)
2.45M
1-Year Change
-28.2633%
Book Value / Share
7.46
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
29.273
Upside
+51.67%
Members' Sentiments
Bearish
Bullish
ProTips
Net income is expected to grow this year

Pagaya Technologies Ltd News & Analysis

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Technical Analysis

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

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 29.273
(+51.67% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
TD Cowen
Buy27.00+40.08%25.00MaintainOct 30, 2026
B.Riley
Buy38.00+97.15%36.00MaintainOct 30, 2026
StoneX
Buy33.00+71.21%33.00MaintainSep 29, 2026
Citizens
Buy25.00+29.70%-MaintainSep 23, 2026
TD Cowen
Buy---New CoverageSep 03, 2026

Pagaya Technologies Ltd SWOT Analysis


Challenges Ahead
Explore Pagaya's navigation of credit risks, approval rate constraints, and market competition as it strives for sustained growth and profitability
Financial Trajectory
Analysts project revenue CAGR of 20% over three years, with price targets ranging from $25 to $35, reflecting optimism about Pagaya's profitability
Expanding Horizons
Discover Pagaya's diversification into auto and point-of-sale lending, with partnerships like Klarna driving significant growth potential
AI-Driven Fintech
Pagaya Technologies leverages AI for innovative lending solutions, showcasing strong financial performance and strategic partnerships in a competitive landscape
Read full SWOT analysis

Pagaya Technologies Ltd Earnings Call Summary for Q3/2026

  • Pagaya reported Q3 2026 EPS of $1.07, beating estimates by 127.7%, with revenue of $390.49M up 12% YoY; GAAP net income rose 121% to $50M.
  • Network volume increased 29% to $3.6B while application volume surged 42% to $377B; net income margin expanded to 13% from 6% year-over-year.
  • Company raised full-year 2026 guidance for third time, projecting revenue of $1.45B-$1.5B and adjusted EBITDA of $465M-$485M despite Q4 seasonal softness.
  • Management highlighted APR increases of 100-140 basis points across products with no impact on demand; bank partnership pipeline up over 50% year-over-year.
  • Shares declined 1.03% to $20.26 in premarket despite earnings beat; analysts maintain Strong Buy rating with price targets ranging from $23 to $36.
Last Updated: 10/29/2026, 10:08 AM
Read Full Transcript
Pagaya Tech investor slides for Q3/2026
Pagaya Q3 2026 slides
Last Update: Oct 29, 2026
See full investor slides

Earnings

Latest Release
Oct 29, 2026
EPS / Forecast
1.07 / 0.47
Revenue / Forecast
390.49M / 382.13M
EPS Revisions
Last 90 days

PGY Income Statement

Compare PGY to Peers and Sector

Metrics to compare
PGY
Peers
Sector
Relationship
P/E Ratio
10.7x15.1x11.3x
PEG Ratio
0.060.040.01
Price / Book
2.6x3.5x2.4x
Price / LTM Sales
1.1x2.8x2.1x
Upside (Analyst Target)
51.3%17.6%49.2%
Fair Value Upside
Unlock15.0%10.2%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
8.52M10.21%163.81M
Other Institutional Investors
32.07M38.44%616.71M
Public Companies & Retail Investors
42.84M51.35%823.76M
Total
83.43M100.00%1.6B

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
American Century ETF Trust - Avantis U.S. Small Cap Value ETF3.47%2,891,40355,602
Frontier Capital Management Co LLC2.75%2,296,41744,160

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FAQ

What Is the Pagaya Tech (PGY) Stock Price Today?

The Pagaya Tech stock price today is 19.300 USD.

What Stock Exchange Does Pagaya Tech Trade On?

Pagaya Tech is listed and trades on the Nasdaq Stock Exchange.

What Is the Stock Symbol for Pagaya Tech?

The stock symbol for Pagaya Tech is "PGY."

What Is the Pagaya Tech Market Cap?

As of today, Pagaya Tech market cap is 1.610B USD.

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

The Pagaya Tech EPS (TTM) is 1.81.

When Is the Next Pagaya Tech Earnings Date?

Pagaya Tech will release its next earnings report on Feb 17, 2027.

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 Tech Stock Split?

Pagaya Tech has split 1 times.

How Many Employees Does Pagaya Tech Have?

Pagaya Tech has 493 employees.

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

As of Nov 02, 2026, Pagaya Tech (PGY) is trading at a price of 19.300 USD, with a previous close of 19.230 USD. The stock has fluctuated within a day range of 19.040 USD to 19.600 USD, while its 52-week range spans from 10.400 USD to 29.750 USD.

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

The average 12-month price target for Pagaya Tech is 29.273 USD, with a high estimate of 38 USD and a low estimate of 23 USD. 11 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Strong Buy. The stock has an +51.67% Upside potential.

What Is the PGY Premarket Price?

PGY's last pre-market stock price is 19.300 USD. The pre-market share volume is 22,680.000, and the stock has decreased by 0.070, or 0.360%.

What Is the PGY After Hours Price?

PGY's last after hours stock price is 19.300 USD, the stock has decreased by 0.070, or 0.360%.
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