Published

02 Dec 25

Updated

30 Jul 26

Views

432

Invested

Pagaya TechnologiesPGY

Fair Value

US$64.72

Share price30 Jul

US$21.6866.5% undervalued

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1Y-36.14%

7D3.58%

The "Rate Cut" Supercycle Winner – Profitable & Accelerating

TA

"Any sufficiently advanced technology is indistinguishable from magic." — I invest in making that magic real. Focused purely on the shift from Science Fiction to Science Fact. No specific sector. Just paradigm shifts.

Published

02 Dec 25

Updated

30 Jul 26

Views

432

Invested

Shared on 30 Jul 26

Fair value Increased 27%

Operating Leverage Proves the Model Works—Even Without a Rate Cut

Pagaya starts generating cash even with interest rates staying high, as growing loan volume outweighs some pressure on its per-loan economics. The big question now is whether it can keep expanding while holding the line on pricing pressure and avoiding a pullback in funding if the auto market turns.

32 views

Shared on 10 Feb 26

Fair value Decreased 70%

The Infrastructure Scale-Up: From "Growth at All Costs" to "Deep Value & Reliability"

Pagaya Technologies ($PGY) has successfully transitioned from a speculative high-growth SPAC to a profitable, critical infrastructure partner for the US banking system. The Q4 2025 results confirmed a pivotal shift: Management proactively cut $1.5B in risky volume to prioritize margin quality, proving they are disciplined stewards of capital.

27 views

Fair Value vs Share Price

US$64.72

vs US$21.6866.5% undervalued

26%

Revenue growth

16%

Profit margin

Recent News & Updates

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Company analysis

Undervalued with high growth potential.

Market capUS$1.8b

PB3.0x

Estimated Growth13.0%

Dividend YieldN/A

CEO & management

Gal Krubiner

CEO

2.6yrs

CEO Tenure

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.