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: $29.81 to $31.82
• 50-Day Range: $28.11 to $43.81
• 52-Week Range: $8.20 to $44.99
• Volume: 6.62 million shs
• Average Volume: 4.53 million shs
• Market Capitalization: $2.38 billion
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $34.33
• Consensus Rating: Moderate Buy

Pagaya Technologies Stock Analysis - MarketRank™

Pagaya Technologies scored higher than 76% of companies evaluated by MarketBeat, and ranked 416th out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Pagaya Technologies has received a consensus rating of Moderate Buy. The company's average rating score is 2.89, and is based on 8 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Pagaya Technologies has a consensus price target of $34.33, representing about 10.5% upside from its current price of $31.07.

Amount of Analyst Coverage

Pagaya Technologies has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 67.05%

Earnings Growth

Earnings for Pagaya Technologies are expected to grow by 67.05% in the coming year, from $0.88 to $1.47 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Pagaya Technologies is -8.11, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pagaya Technologies is -8.11, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Pagaya Technologies has a P/B Ratio of 5.20. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

25.39% 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, 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 7.20%, 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

25.39% 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, 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 7.20%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.58

News Sentiment

Pagaya Technologies has a news sentiment score of 0.58. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Pagaya Technologies this week, compared to 7 articles on an average week.

Search Interest

74 people have searched for PGY on MarketBeat in the last 30 days. This is an increase of 95% compared to the previous 30 days.

MarketBeat Follows

23 people have added Pagaya Technologies to their MarketBeat watchlist in the last 30 days. This is an increase of 64% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Pagaya Technologies insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $3,767,935.00 in company stock.

Percentage Held by Insiders

47.59% 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.

PGY Stock Analysis - Frequently Asked Questions

How have PGY shares performed this year?

Pagaya Technologies' stock was trading at $9.29 at the start of the year. Since then, PGY stock has increased by 234.4% and is now trading at $31.07.

How were Pagaya Technologies' earnings last quarter?

Pagaya Technologies Ltd. (NASDAQ:PGY) released its quarterly earnings data on Thursday, February, 13th. The company reported ($0.04) EPS for the quarter, missing the consensus estimate of $0.28 by $0.32. The firm had revenue of $279.39 million for the quarter, compared to analysts' expectations of $264.28 million. Pagaya Technologies had a negative net margin of 24.36% and a positive trailing twelve-month return on equity of 19.14%.
Read the conference call transcript.

When did Pagaya Technologies' stock split?

Pagaya Technologies's stock reverse split before market open on Friday, March 8th 2024.The 1-12 reverse split was announced on Monday, March 4th 2024. The number of shares owned by shareholders was adjusted after the market closes on Thursday, March 7th 2024. An investor that had 100 shares of stock prior to the reverse split would have 8 shares after the split.

How do I buy shares of Pagaya Technologies?

Shares of PGY stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pagaya Technologies own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pagaya Technologies investors own include Invesco QQQ (QQQ), NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Vertiv (VRT), Adobe (ADBE) and Advanced Micro Devices (AMD).

Company Calendar

• Last Earnings: 2/13/2025
• Today: 10/03/2025
• Next Earnings (Estimated): 11/11/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PGY
• CIK: 1883085
• Web: pagaya.com
• Phone: 972-3715-0920
• Fax: N/A
• Employees: 800
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Pagaya Technologies: $34.33
• High Price Target: $54.00
• Low Price Target: $11.00
• Potential Upside/Downside: +10.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.89
• Research Coverage: 9 Analysts

Profitability

• EPS (Trailing Twelve Months): ($3.83)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 35.31
• P/E Growth: N/A
• Net Income: -$401.41 million
• Net Margins: -24.36%
• Pretax Margin: -26.43%
• Return on Equity: 19.14%
• Return on Assets: 6.79%

Debt

• Debt-to-Equity Ratio: 0.85
• Current Ratio: 1.42
• Quick Ratio: 1.42

Sales & Book Value

• Annual Sales: $1.13 billion
• Price / Sales: 2.12
• Cash Flow: $0.48 per share
• Price / Cash Flow: 64.76
• Book Value: $5.98 per share
• Price / Book: 5.20

Miscellaneous

• Outstanding Shares: 76,608,000
• Free Float: 40,150,000
• Market Cap: $2.38 billion
• Optionable: Not Optionable
• Beta: 5.86