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Pagaya Technologies

Advanced AI Underwriting And Embedded Finance Will Open Markets

AN
AnalystConsensusTarget
AnalystConsensusTarget
Not Invested
Based on Analyst Price Targets
Published
28 May 25
Updated
10 Aug 25
n/a
n/a
AnalystConsensusTarget's Fair Value
n/a
1Y
143.4%
7D
-0.5%
Loading
1Y
143.4%
7D
-0.5%

You can edit this narrative until Aug 10 11:20 PM. Then, changes will post as Updates.

Author's Valuation

US$40.538.7% undervalued intrinsic discount

AnalystConsensusTarget Fair Value

Narrative
Updates2

Shared on 10 Aug 25

Fair value Increased 16%
Analysts have raised their price target for Pagaya Technologies to $38.00, citing robust EBITDA margins driven by strong unit economics, rapid expansion via its integrated B2B2C model, and demonstrated success diversifying into new underwriting verticals. Analyst Commentary Exceptional unit economics and operating leverage are resulting in strong EBITDA margins.
Read more

Shared on 01 Aug 25

Fair value Increased 13%
Analysts raised Pagaya Technologies' price target to $33.08, citing strong EBITDA margins driven by exceptional unit economics and operating leverage, effective B2B2C expansion into auto and point-of-sale lending, and high barriers to entry from embedded lender relationships. Analyst Commentary Exceptional unit economics and operating leverage are driving strong EBITDA margins.
Read more
AnalystConsensusTarget Fair Value
US$40.5
38.7% undervalued intrinsic discount
Future estimation in
PastFuture-297m2b201920212023202520272028Revenue US$1.8bEarnings US$311.7m
% p.a.
0
Decrease
Increase
Current revenue growth rate
14.76%
Software revenue growth rate
1.24%
Risk Level (Discount Rate)
Our default considers factors like the company's size, volatility, profitablity and country of operation.
%
0
Decrease
Increase
Current discount rate
9.62%
Calculation
US$311.66m
Earnings '28
x
14.56x
PE Ratio '28
=
US$4.54b
Market Cap '28
US$4.54b
Market Cap '28
/
86.20m
No. shares '28
=
US$52.65
Share Price '28
US$52.65 Share Price '28
Discounted to 2025 @ 9.22% p.a.
=
US$40.41
Fair Value '25
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