Pagaya Technologies (PGY) Stock Price, News & Analysis

Company Overview

Pagaya Technologies is a financial technology company that applies artificial intelligence and machine learning to the credit and asset management industries. Through its proprietary data-driven platform, Pagaya analyzes vast datasets from consumer credit portfolios to build predictive risk models, enabling institutional investors to gain access to alternative credit products. The company’s solutions streamline underwriting, optimize portfolio construction and facilitate the efficient securitization of consumer loans, credit card receivables and other asset classes.

Founded in 2016 and headquartered in New York, Pagaya has expanded its operations to serve financial institutions and asset managers primarily in the United States. The company provides software-as-a-service tools and an electronic marketplace where lenders can source and distribute credit assets, while investors receive enhanced transparency into loan performance metrics. Pagaya’s approach focuses on combining nontraditional data sources, advanced analytics and automated workflows to improve risk assessment and capitalize on underserved segments of the credit market.

Under the leadership of co-founder and Chief Executive Officer Gal Krubiner, Pagaya has grown from a startup incubating machine-learning algorithms to a publicly traded company. Its management team comprises professionals with deep experience in data science, financial engineering and capital markets. By leveraging AI-powered insights, Pagaya continues to refine its investment strategies and expand partnerships with banks, credit originators and institutional investors seeking to diversify credit exposure and enhance risk-adjusted returns.

Key Stats

• Today's Range: $21.95 to $23.68
• 50-Day Range: $15.00 to $23.26
• 52-Week Range: $10.40 to $44.99
• Volume: 1.94 million shs
• Average Volume: 2.93 million shs
• Market Capitalization: $1.83 billion
• P/E Ratio: 16.16
• Dividend Yield: N/A
• Price Target: $32.00
• Consensus Rating: Buy

Pagaya Technologies Stock Analysis - MarketRank™

Pagaya Technologies scored higher than 98% of companies evaluated by MarketBeat, and ranked 28th out of 606 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 3.18, and is based on 3 strong buy ratings, 7 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Pagaya Technologies has a consensus price target of $32.00, representing about 45.6% upside from its current price of $21.98.

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 16.16, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.43.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pagaya Technologies is 16.16, which means that it is trading at a less expensive P/E ratio than the Technology sector average P/E ratio of about 76.47.

Price to Book Value per Share Ratio

Pagaya Technologies has a P/B Ratio of 2.83. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

23.52% 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 3.76, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pagaya Technologies has recently decreased by 8.30%, 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: 4.0 / 5
• News Sentiment: 1.39

News Sentiment

Pagaya Technologies has a news sentiment score of 1.39. 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 0.87 average news sentiment score of Technology companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Pagaya Technologies this week, compared to 5 articles on an average week.

Search Interest

38 people have searched for PGY on MarketBeat in the last 30 days. This is an increase of 52% compared to the previous 30 days.

MarketBeat Follows

35 people have added Pagaya Technologies to their MarketBeat watchlist in the last 30 days. This is an increase of 400% 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 703.24% more of their company's stock than they have bought. Specifically, they have bought $250,429.00 in company stock and sold $2,011,541.00 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: 8/29/2026
• 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: 800
• Year Founded: 2016

Price Target and Rating

• Average Price Target for Pagaya Technologies: $32.00
• High Price Target: $36.00
• Low Price Target: $25.00
• Potential Upside/Downside: +45.6%
• Consensus Rating: Buy
• Rating Score (0-4): 3.18
• Research Coverage: 11 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.36
• Trailing P/E Ratio: 16.16
• Forward P/E Ratio: 6.46
• 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: 1.41
• Cash Flow: $2.90 per share
• Price / Cash Flow: 7.59
• Book Value: $7.78 per share
• Price / Book: 2.83

Miscellaneous

• Outstanding Shares: 83,430,000
• Free Float: 48,395,000
• Market Cap: $1.83 billion
• Optionable: Not Optionable
• Beta: 5.33