PGY Share Price Performance
US$11.70
0.60 (5.41%)
69.4% undervalued intrinsic discount
US$38.18
Fair Value
Price US$11.70
AnalystConsensusTarget US$38.18
Talos US$50.82
AnalystLowTarget US$20.00
Fair ValueUS$38.18
Share Pricen/a
Pagaya Technologies Ltd. Stock Price
- 5 Narratives written by author
- 2 Comments on narratives written by author
- 180 Fair Values set on narratives written by author
PGY Community Narratives
AN
Fair Value US$38.18 69.4% undervalued intrinsic discount
Advanced AI Underwriting And Embedded Finance Will Open Markets
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61users have followed this narrative
TA
Fair Value US$50.82 77.0% undervalued intrinsic discount
The "Rate Cut" Supercycle Winner – Profitable & Accelerating
1users have liked this narrative
1users have commented on this narrative
7users have followed this narrative
AN
Fair Value US$20 41.5% undervalued intrinsic discount
Rising Regulations And Fierce Fintech Competition Will Erode Prospects
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5users have followed this narrative
The "Rate Cut" Supercycle Winner – Profitable & Accelerating
Pagaya Technologies is entering a "Goldilocks" scenario. For the last two years, it operated under high interest rates, which compressed margins.Read more
226
users have viewed this narrative1users have liked this narrative
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7users have followed this narrative
PGY is a Buy
Catalysts 1. Products or Services That Could Move Sales or Earnings Meaningfully (for Pagaya Technologies - PGY) Pagaya is well-positioned to benefit from a few key products and services that could significantly drive its sales or earnings in the future: AI-Driven Underwriting Platform Core Product : Pagaya’s AI-powered platform for financial underwriting and risk assessment is a key driver of revenue.Read more
530
users have viewed this narrative3users have liked this narrative
1users have commented on this narrative
27users have followed this narrative
Rising Regulations And Fierce Fintech Competition Will Erode Prospects
Key Takeaways Mounting regulatory challenges and market commoditization threaten Pagaya's growth, margins, and ability to differentiate in an increasingly competitive landscape. Heavy dependence on a few partners and exposure to macroeconomic downturns heighten risks of revenue volatility and profitability pressures.Read more
128
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5users have followed this narrative
AN
US$20
41.5% undervalued intrinsic discount
Fair Value
Revenue
12.3% p.a.
Profit Margin
15.96%
Future PE
9.45x
Price in 2029
US$25.99
AI Expansion And Lending Diversification Will Transform The Credit Landscape
Key Takeaways Proven AI products and strategic partnerships could trigger rapid network growth, exponential fee expansion, and higher recurring margins as embedded finance adoption accelerates. Diversification into new lending verticals and improved access to institutional capital position the company for sustained margin expansion, with regulatory barriers strengthening competitive advantages.Read more
139
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9users have followed this narrative
AN
US$33
64.5% undervalued intrinsic discount
Fair Value
Revenue
15.19% p.a.
Profit Margin
14.6%
Future PE
15.73x
Price in 2029
US$42.74
Advanced AI Underwriting And Embedded Finance Will Open Markets
Key Takeaways Ongoing product expansion and new bank partnerships are driving greater revenue diversification, smoother growth, and increased market opportunity across financial service verticals. Advancements in AI-driven underwriting, combined with financing optimization, enhance profitability and cash flow, enabling scalable growth and continued investment.Read more
743
users have viewed this narrative0users have liked this narrative
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61users have followed this narrative
AN
US$38.18
69.4% undervalued intrinsic discount
Fair Value
Profit Margin
14.06%
Future PE
17.78x
Price in 2029
US$50.34
Trending Discussion
Recently Updated Narratives
TA
The Infrastructure Scale-Up: From "Growth at All Costs" to "Deep Value & Reliability"
Fair Value: US$50.82 77.0% undervalued intrinsic discount
7 followersusers have followed this narrative
1 commentusers have commented on this narrative
0 likesusers have liked this narrative
YY
PGY is a Buy
Fair Value: US$34.05 65.6% undervalued intrinsic discount
27 followersusers have followed this narrative
1 commentusers have commented on this narrative
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AN
PGY: Reset Expectations And 2026 Guidance Will Support A Rebound
Fair Value: US$20 41.5% undervalued intrinsic discount
5 followersusers have followed this narrative
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Snowflake Analysis
Pagaya Technologies Ltd. Key Details
About PGY
- Founded
- 2016
- Employees
- 518
- CEO
- WebsiteView website
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the transaction process. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.
