/PGY
PGY Stock - Pagaya Technologies Ltd.
Technology|Software - InfrastructureNASDAQ
$24.39-1.39%
$0.34 (-1.39%) • Jan 13
41
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.57
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).47
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.0
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+-1.6%upside
Target: $24.00
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ENTRY ZONE$24.15 – $24.64
TARGET (TP)$24.00
STOP LOSS$22.44
RISK/REWARD1:-0.2
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta5.88
52W High$44.99
52W Low$8.38
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $1.00B | $772.81M | $685.41M | $445.87M | $91.74M |
| Gross Profit | $406.90M | $263.87M | $234.33M | $213.54M | $42.66M |
| Gross Margin | 40.5% | 34.1% | 34.2% | 47.9% | 46.5% |
| Operating Income | $66.84M | $-24,400,000 | $-251,505,000 | $-5,809,000 | $21.25M |
| Net Income | $-401,406,000 | $-128,438,000 | $-302,321,000 | $-91,151,000 | $14.47M |
| Net Margin | -40.0% | -16.6% | -44.1% | -20.4% | 15.8% |
| EPS | $-5.66 | $-2.14 | $-7.65 | $-4.27 | $1.08 |
Company Overview
Pagaya Technologies Ltd. operates as a financial technology company in Israel, the United States, and the Cayman Islands. It develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include high-growth financial technology companies, incumbent financial institutions, auto finance providers, and brokers. The company was founded in 2016 and is headquartered in Tel Aviv, Israel.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
9
64%
Hold / Neutral
5
36%
Sell / Underperform
0%
Analyst Consensus🟡 Mixed
9 Bullish5 Neutral/Bearish
Price Targets
$9
Average Target
↓ 62.0% Downside
Now
$1
Low
$9
Average
$23
High
Based on 16 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| June 12th 2025 | Stephens | Initiation | Overweight | $22 |
| February 7th 2025 | Citigroup | Upgrade | Buy | $14.5← $13 |
| December 20th 2024 | UBS | Resumed | Neutral | $11 |
| October 1st 2024 | Oppenheimer | Initiation | Outperform | $12 |
| August 26th 2024 | The Benchmark Company | Resumed | Buy | $21 |
| June 17th 2024 | Keefe Bruyette | Initiation | Outperform | $23 |
| May 24th 2024 | Citigroup | Initiation | Neutral | $14 |
| December 14th 2023 | Jefferies | Initiation | Buy | $2.5 |
| August 28th 2023 | JMP Securities | Initiation | Mkt Outperform | $2.75 |
| July 27th 2023 | B. Riley Securities | Initiation | Buy | $4 |
| April 26th 2023 | The Benchmark Company | Initiation | Buy | $2 |
| February 16th 2023 | Canaccord Genuity | Upgrade | Buy | $3← $1.5 |
| January 13th 2023 | UBS | Initiation | Neutral | $1.25 |
| December 14th 2022 | Canaccord Genuity | Initiation | Hold | $1.5 |
| October 12th 2022 | Wedbush | Initiation | Neutral | $2 |
Earnings History & Surprises
PGYBeat Rate
38%
Last 13 quarters
Avg Surprise
-36.3%
EPS vs Estimate
Beats / Misses
5/7
1 met exactly
Latest EPS
$1.02
Q4 2025
EPS Surprise History
Q1 24
-33.3%
$0.24vs$0.36
Q2 24
+25.0%
$0.20vs$0.16
Q3 24
-50.0%
$0.10vs$0.20
Q4 24
+76.0%
$0.44vs$0.25
Q1 25
-46.9%
$0.17vs$0.32
Q2 25
+72.5%
$0.69vs$0.40
Q3 25
-7.2%
$0.64vs$0.69
Q4 25
+56.0%
$1.02vs$0.65
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 5, 2026 | — | — | — | — |
Q1 2026 | Feb 9, 2026 | $0.75 | — | — | — |
Q4 2025 | Nov 10, 2025 | $0.65 | $1.02 | +56.0% | ✓ BEAT |
Q3 2025 | Aug 7, 2025 | $0.69 | $0.64 | -7.2% | ✗ MISS |
Q2 2025 | May 7, 2025 | $0.40 | $0.69 | +72.5% | ✓ BEAT |
Q1 2025 | Feb 13, 2025 | $0.32 | $0.17 | -46.9% | ✗ MISS |
Q4 2024 | Nov 12, 2024 | $0.25 | $0.44 | +76.0% | ✓ BEAT |
Q3 2024 | Aug 9, 2024 | $0.20 | $0.10 | -50.0% | ✗ MISS |
Q2 2024 | May 9, 2024 | $0.16 | $0.20 | +25.0% | ✓ BEAT |
Q1 2024 | Feb 21, 2024 | $0.36 | $0.24 | -33.3% | ✗ MISS |
Q4 2023 | Nov 2, 2023 | $0.24 | $0.24 | 0.0% | = MET |
Q3 2023 | Aug 10, 2023 | $-0.02 | $-0.04 | -63.3% | ✗ MISS |
Q2 2023 | May 16, 2023 | $0.12 | $-0.24 | -300.0% | ✗ MISS |
Q1 2023 | Feb 15, 2023 | $-0.36 | $-0.12 | +66.7% | ✓ BEAT |
Q4 2022 | Nov 10, 2022 | $-0.07 | $-0.24 | -266.7% | ✗ MISS |
Q3 2022 | Aug 16, 2022 | — | $-6.34 | — | — |
Q2 2022 | May 27, 2022 | — | $-0.63 | — | — |
Q1 2022 | Mar 31, 2022 | — | $-0.56 | — | — |
Q3 2021 | Sep 30, 2021 | — | $-1.72 | — | — |
Q2 2021 | Jun 30, 2021 | — | $-0.36 | — | — |
Latest News
Keefe, Bruyette & Woods Maintains Outperform on Pagaya Techs, Lowers Price Target to $35
📈 PositiveBenzinga•Jan 2, 2026, 05:51 PM
Pagaya Technologies, Achieve Collaborate To Enhance Consumers' Access To Personal Loans On Achieve's Platform
📈 PositiveBenzinga•Dec 17, 2025, 01:01 PM
Pagaya Technologies Closes PAID 2025-8, $500M Asset-Backed Securitization Backed By Consumer Loans Originated On Pagaya Network
📈 PositiveBenzinga•Dec 10, 2025, 01:37 PM
Pagaya Technologies Closes RPM 2025-6, $400M Auto Asset-Backed Securitization
📈 PositiveBenzinga•Dec 3, 2025, 12:03 PM
Canaccord Genuity Maintains Buy on Pagaya Techs, Raises Price Target to $39
📈 PositiveBenzinga•Nov 11, 2025, 06:12 PM•Also:
Pagaya shares soar as record adjusted EBITDA lead to full-year guidance raise
📈 PositiveSeeking Alpha•Nov 10, 2025, 04:36 PM
Pagaya Technologies shares are trading higher after the company reported better-than-expected Q3 financial results and raised its FY25 sales guidance.
📈 PositiveBenzinga•Nov 10, 2025, 02:21 PM
Pagaya Techs Raises FY2025 Sales Guidance from $1.250B-$1.325B to $1.300B-$1.325B vs $1.306B Est
📈 PositiveBenzinga•Nov 10, 2025, 11:59 AM
Pagaya Techs Sees Q4 Sales $333.000M-$358.000M vs $351.226M Est
➖ NeutralBenzinga•Nov 10, 2025, 11:58 AM
Pagaya Technologies Q3 Adj. EPS $1.02 Beats $0.18 Estimate, Sales $339.887M Beat $338.947M Estimate
📈 PositiveBenzinga•Nov 10, 2025, 11:57 AM
Pagaya And Castlelake Launch $500M Auto Loan Forward Flow Deal, Expanding Partnership Across Personal And Auto Loan Asset Classes
📈 PositiveBenzinga•Nov 3, 2025, 01:43 PM
Shares of software and cloud computing-related stocks are trading higher. Possibly rebounding after a sell off yesterday.
📈 PositiveBenzinga•Oct 23, 2025, 05:48 PM•Also: , ,
Shares of software and cloud computing-related stocks are trading lower. Reuters reported the US is considering curbs on exports to China made with US software, which could further weigh on tech sentiment.
📉 NegativeBenzinga•Oct 22, 2025, 06:13 PM•Also: , ,
Benchmark Reiterates Buy on Pagaya Techs, Maintains $48 Price Target
📈 PositiveBenzinga•Oct 1, 2025, 01:13 PM
Shares of software stocks are trading higher amid overall market strength after Fed Chair Powell said restrictive policy and shifting risks may warrant adjusting the Fed's stance.
📈 PositiveBenzinga•Aug 22, 2025, 04:20 PM•Also: , ,
Pagaya stock jumps on improved Q2 earnings estimates
📈 PositiveSeeking Alpha•Jul 17, 2025, 01:02 PM
Pagaya stock surges after strong Q1 earnings point to full-year profitability
📈 PositiveSeeking Alpha•May 7, 2025, 12:00 PM
Frequently Asked Questions about PGY
What is PGY's current stock price?
Pagaya Technologies Ltd. (PGY) is currently trading at $24.39 per share. The stock has moved -1.39% today.
What is the analyst price target for PGY?
The average analyst price target for PGY is $24.00, based on 1 analyst.
What sector is Pagaya Technologies Ltd. in?
Pagaya Technologies Ltd. operates in the Technology sector, specifically within the Software - Infrastructure industry. The company is traded on the NASDAQ exchange.
What is PGY's market cap?
Pagaya Technologies Ltd. has a market capitalization of $1.87 billion, making it a small-cap company.
Does PGY pay dividends?
No, Pagaya Technologies Ltd. does not currently pay a dividend to shareholders.
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