Pagaya Technologies (PGY) Stock Price, News & Analysis

Company Overview

Pagaya Technologies Ltd. is a financial technology company that uses artificial intelligence and data analytics to facilitate access to credit and investment opportunities. Its technology platform evaluates loan and other credit-related assets, helping financial institutions make lending decisions and connect assets with institutional funding sources.

The company’s Pagaya Network is designed to integrate with banks, fintech companies and other originators. Through the network, Pagaya analyzes consumer credit, personal loan, auto loan and real estate-related assets, among other products, and helps distribute qualifying assets to institutional investors through structured financial vehicles.

Pagaya was founded in 2016 and is headquartered in New York, with roots in Israel. The company primarily serves financial institutions, credit originators and institutional investors in the United States, while its platform may support partners in other markets. Gal Krubiner, a co-founder, serves as chief executive officer. Pagaya became a publicly traded company on Nasdaq in 2022 following a business combination with a special purpose acquisition company.

Key Stats

• Today's Range: $19.88 to $21.21
• 50-Day Range: $15.89 to $23.26
• 52-Week Range: $10.40 to $44.99
• Volume: 2.30 million shs
• Average Volume: 1.95 million shs
• Market Capitalization: $1.67 billion
• P/E Ratio: 14.68
• Dividend Yield: N/A
• Price Target: $31.25
• Consensus Rating: Buy

Pagaya Technologies Stock Analysis - MarketRank™

Pagaya Technologies scored higher than 96% of companies evaluated by MarketBeat, and ranked 41st out of 597 stocks in the technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.6 / 5
• Analyst Rating: Buy

Consensus Rating

Pagaya Technologies has received a consensus rating of Buy. The company's average rating score is 3.17, and is based on 3 strong buy ratings, 8 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Pagaya Technologies has a consensus price target of $31.25, representing about 56.5% upside from its current price of $19.97.

Amount of Analyst Coverage

Pagaya Technologies has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.06%

Earnings Growth

Earnings for Pagaya Technologies are expected to grow by 12.06% in the coming year, from $3.40 to $3.81 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Pagaya Technologies is 14.68, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 42.46.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pagaya Technologies is 14.68, which means that it is trading at a less expensive P/E ratio than the Technology sector average P/E ratio of about 68.53.

Price to Book Value per Share Ratio

Pagaya Technologies has a P/B Ratio of 2.95. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

21.54% of the float of Pagaya Technologies has been sold short.

Short Interest Ratio / Days to Cover

Pagaya Technologies has a short interest ratio ("days to cover") of 4.78.

Change versus previous month

Short interest in Pagaya Technologies has recently decreased by 8.38%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Pagaya Technologies does not currently pay a dividend.

Dividend Growth

Pagaya Technologies does not have a long track record of dividend growth.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: 1.12

News Sentiment

Pagaya Technologies has a news sentiment score of 1.12. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.85 average news sentiment score of Technology companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Pagaya Technologies this week, compared to 5 articles on an average week.

Search Interest

Only 28 people have searched for PGY on MarketBeat in the last 30 days. This is a decrease of -22% compared to the previous 30 days.

MarketBeat Follows

32 people have added Pagaya Technologies to their MarketBeat watchlist in the last 30 days. This is an increase of 129% compared to the previous 30 days.

Company Ownership

• Score: 2.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Pagaya Technologies insiders have sold 702.06% more of their company's stock than they have bought. Specifically, they have bought $250,429.00 in company stock and sold $2,008,603.00 in company stock.

Percentage Held by Insiders

41.99% of the stock of Pagaya Technologies is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

57.14% of the stock of Pagaya Technologies is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 5/07/2026
• Today: 9/12/2026
• Next Earnings (Estimated): 11/09/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Technology
• Industry: Software
• Sub-Industry: Application Software
• Current Symbol: NASDAQ:PGY
• CIK: 1883085
• Web: pagaya.com
• Phone: 972-3715-0920
• Fax: N/A
• Employees: 493
• Year Founded: 2016

Price Target and Rating

• Average Price Target for Pagaya Technologies: $31.25
• High Price Target: $36.00
• Low Price Target: $25.00
• Potential Upside/Downside: +56.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.17
• Research Coverage: 12 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.36
• Trailing P/E Ratio: 14.68
• Forward P/E Ratio: 5.87
• P/E Growth: N/A
• Net Income: $81.39 million
• Net Margins: 9.12%
• Pretax Margin: 7.10%
• Return on Equity: 51.56%
• Return on Assets: 19.01%

Debt

• Debt-to-Equity Ratio: 1.12
• Current Ratio: 11.08
• Quick Ratio: 11.08

Sales & Book Value

• Annual Sales: $1.30 billion
• Price / Sales: 1.28
• Cash Flow: $3.06 per share
• Price / Cash Flow: 6.52
• Book Value: $6.77 per share
• Price / Book: 2.95

Miscellaneous

• Outstanding Shares: 83,430,000
• Free Float: 48,395,000
• Market Cap: $1.67 billion
• Optionable: Not Optionable
• Beta: 5.35