Pagaya Technologies Ltd./$PGY

13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX

About Pagaya Technologies Ltd.

Pagaya Technologies Ltd is a financial technology company working to reshape the lending marketplace by using machine learning, data analytics, and sophisticated AI-driven credit and analysis technology. It was built to provide a comprehensive solution to enable the credit industry to deliver customers a positive experience while simultaneously enhancing the broader credit ecosystem. Its proprietary API seamlessly integrates into its next-gen infrastructure network of partners to deliver a premium customer user experience and greater access to credit. The company generates majority of its revenue from United States.

Ticker

$PGY

Sector

Software & Cloud Services
Primary listing

Employees

524

PGY Metrics

BasicAdvanced
$3B
-
-$3.77
5.99
-

Bulls say / Bears say

In Q2 2025, Pagaya reported total revenue up 30% YoY to $326 million, led by growth in the Auto and POS sectors. Adjusted EBITDA rose 72% YoY to $86 million, and GAAP net income stayed positive for a second quarter with $17 million.
After Q2 results, Pagaya raised its full-year 2025 forecast, now expecting network volume of $10.5–$11.5 billion, total revenue of $1.25–$1.325 billion, and Adjusted EBITDA of $345–$370 million—signaling management’s confidence in scalable, profitable growth.
In May 2025, Pagaya rolled out its first POSH securitization program with a AAA-rated $300 million point-of-sale ABS deal. This expanded POS funding capacity by more than $1 billion and demonstrated strong demand for its AI underwriting technology.
Pagaya’s shares are trading at 29 times next-12-month earnings, a sharp increase from 6× three months earlier. Wall Street’s median 12-month price target is $30.50, below the recent close of $31.36, highlighting valuation risk (Reuters ).
Pagaya’s first $300 million BNPL bond for Klarna loans offered a yield premium of 1.75 percentage points over Treasuries—almost double Affirm’s 0.95 point premium—showing investors require higher risk compensation for Pagaya-backed ABS (WSJ).
Insider sentiment is negative, as 77 company insiders sold shares in Q1 2025. This may signal internal concerns, even with recent profitability and growth (Ainvest).
Data summarised monthly by Lightyear AI. Last updated on 1 Sept 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

Buy $PGY

Sign up or log in to buy
Capital at risk
Market closed

Upcoming events

No upcoming events
FAQs