Pagaya Technologies Ltd

Pagaya Technologies Ltd (PGY) Stock Analysis

$16.810

-0.953 (-5.67%)At close

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High
17.530
Open
17.350
VWAP
16.84
Volume
2.55M
Mkt Cap
899.01M
Low
16.175
Amount
42.90M
EV/EBITDA, TTM
4.19

Pagaya Technologies Ltd is an Israel-based company. It is primarily engaged in financial technology (FinTech) industry. The Company develops data science, machine learning and AI technology (Artificial Intelligence) analytics, enabling accurate, real-time customer credit assessments. Company's customers are lending companies that, by connecting to the AI Pagaya network, have the opportunity to discover and approve new customers that meet their credit criteria. Thanks to the Company's solutions, its customers gains a customer without undue risk. Pagaya Technologies Ltd delivers technology that provides loan assistance such as personal, car and credit card loans. The Company serves its clients all over the world.

pagaya.com

AI analysis of Pagaya Technologies Ltd (PGY)

Hold

Pagaya Technologies Ltd is currently a hold. The stock is priced at $18.22, which is below the average analyst price target of $25, indicating potential upside. However, the RSI is at 47.077, suggesting the stock is neither overbought nor oversold, and the recent 20-day change of -8.76% raises concerns about short-term performance. The main risk is the negative sentiment from a 20% drop due to interest rate concerns, which could impact future profitability.

Valuation Metrics

The current forward P/E ratio for Pagaya Technologies Ltd (PGY) is 4.42, compared to its 5-year average forward P/E of -33.97.

Forward P/E

Fair
5Y Average P/E
-33.97
Current P/E
4.42
Overvalued
128.91
Undervalued
-196.84

Forward EV/EBITDA

Fair
5Y Average EV/EBITDA
-18.36
Current EV/EBITDA
4.19
Overvalued
103.24
Undervalued
-139.95

Forward P/S

Fair
5Y Average P/S
1.51
Current P/S
0.81
Overvalued
4.41
Undervalued
-1.39

Alphio AI Price Scenarios for PGY

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%PGY

$25.21

Scenario price

B

Base

Base · 50%PGY

$22.17

Scenario price

B

Bear

Bear · 25%PGY

$18.65

Scenario price

Whales holding PGY

A

Aquamarine Financial (Cayman) Ltd

+ HoldingPGY

+7.88%

3M Return

Events Timeline

2026-10-12 (ET)

09:00:00

Pagaya Closes $650M Auto Loan ABS Transaction

2026-09-29 (ET)

09:00:00

Pagaya Closes $700M Funding Facility with ATLAS SP Partners

2026-09-22 (ET)

09:00:00

Pagaya Closes $460M PAID 2026-REV1 Transaction

2026-09-17 (ET)

09:00:00

Pagaya Appoints Jason Gardner to Board of Directors

2026-09-16 (ET)

08:00:00

Pagaya Signs $700M Auto Loan Agreement with Neuberger

News

PGY FAQ — answered by Alphio AI

Pagaya Technologies Ltd is an Israel-based company. It is primarily engaged in financial technology (FinTech) industry. The Company develops data science, machine learning and AI technology (Artificial Intelligence) analytics, enabling accurate, real-time customer credit assessments. Company's customers are lending companies that, by connecting to the AI Pagaya network, have the opportunity to discover and approve new customers that meet their credit criteria. Thanks to the Company's solutions, its customers gains a customer without undue risk. Pagaya Technologies Ltd delivers technology that provides loan assistance such as personal, car and credit card loans. The Company serves its clients all over the world. It operates in the Technology sector (FINANCE SERVICES industry).

Pagaya Technologies Ltd is currently a hold. The stock is priced at $18.22, which is below the average analyst price target of $25, indicating potential upside. However, the RSI is at 47.077, suggesting the stock is neither overbought nor oversold, and the recent 20-day change of -8.76% raises concerns about short-term performance. The main risk is the negative sentiment from a 20% drop due to interest rate concerns, which could impact future profitability.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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