Pagaya Technologies Crecimiento futuro
Future controles de criterios 4/6
Se prevé un crecimiento anual de los beneficios y los ingresos de Pagaya Technologies de 39.3% y 12.4% por año respectivamente. Se prevé que el BPA crezca en un 29.2% al año. Se espera que la rentabilidad financiera sea de 33% en 3 años.
Información clave
39.3%
Tasa de crecimiento de los beneficios
29.22%
Tasa de crecimiento del BPA
| Crecimiento de los beneficios de Software | 19.9% |
| Tasa de crecimiento de los ingresos | 12.4% |
| Rentabilidad financiera futura | 32.99% |
| Cobertura de analistas | Good |
| Última actualización | 31 Jul 2026 |
Actualizaciones recientes sobre el crecimiento futuro
Recent updates
Actualización de narrativa • Jul 31
PGY: Record Loan Volume And Auto ABS Execution Will Support 2026 Earnings Upside
Pagaya Technologies' fair value estimate moves to $36 from $33 as analysts point to stronger loan volume, expanding product reach, and improved profitability metrics as key supports for higher price targets across recent research. Analyst Commentary Recent research on Pagaya Technologies shows a cluster of higher price targets and fresh coverage that leans positive on both execution and the business model.
Actualización de narrativa • Jul 30
Operating Leverage Proves the Model Works—Even Without a Rate Cut
The market previously priced Pagaya Technologies ($PGY) as a macro-trade heavily reliant on a rapid Federal Reserve rate-cut cycle. With those cuts delayed, the stock has recalibrated to $17.81, fully pricing in the current "higher-for-longer" interest rate environment.Seeking Alpha • Jul 08
Pagaya Technologies: Undervalued With Multiple Tailwinds Converging
Summary Pagaya Technologies (PGY) remains a volatile but compelling undervalued fintech with a 32% surge since my last coverage. I maintain a Strong Buy rating, citing robust revenue growth, multi-year sector tailwinds, and significant undervaluation versus peers. PGY trades at a forward P/E of 6x and a PEG of 0.05, reflecting a steep discount to sector medians. Risks include persistent volatility and potential for sentiment-driven swings, but long-term fundamentals and catalysts support continued upside. Read the full article on Seeking AlphaArtículo de análisis • Jun 21
Pagaya Technologies (PGY) Stock Could Be 69.3% Undervalued After ABS Deal And Upgrade Expansion
Pagaya Technologies (NasdaqCM:PGY) is back in focus after closing an upsized, AAA-rated US$800 million personal loan ABS deal and expanding its partnership with Upgrade’s Flex Pay Buy Now, Pay Later platform. See our latest analysis for Pagaya Technologies. Those ABS and BNPL partnership headlines come against a mixed backdrop for Pagaya Technologies, with the share price up 19.42% over 30 days and 46.80% over 90 days, but the year to date share price return down 29.89% and the 1 year total...
Actualización de narrativa • Jun 16
PGY: AI Underwriting And ABS Execution Will Drive Future Stock Upside
Analysts have lifted their average Pagaya Technologies price target to $27, citing the company's AI driven consumer credit underwriting and services focused business model as a key reason they see the stock as attractive at current levels. Analyst Commentary Bullish analysts describe Pagaya Technologies as an AI focused provider of consumer credit underwriting and capital markets services.
Actualización de narrativa • Jun 02
PGY: Raised 2026 Outlook And ABS Funding Progress Will Support Rebound
Analysts have kept Pagaya Technologies' fair value target steady at $20.00, with updated assumptions pointing to a slightly lower discount rate, adjusted revenue growth and profit margin expectations, and a revised future P/E estimate supporting this unchanged view. What's in the News Pagaya raised its full-year 2026 outlook, with guidance for network volume between $11.45b and $13b, total revenue and other income between $1.4b and $1.575b, and GAAP net income between $110m and $160m, following five consecutive GAAP-profitable quarters.Actualización de narrativa • May 18
PGY: New Partnerships And AI Underwriting Adoption Will Support Bullish Upside
Analysts have adjusted their price target on Pagaya Technologies to $26.90 from $26.45, citing updated assumptions around discount rate, revenue growth, profit margin, and future P/E as key inputs in their revised valuation work. What's in the News Pagaya and Experian agreed to embed Pagaya's AI driven lending technology into Experian Marketplace, aiming to provide real time underwriting recommendations and credit opportunities to qualified consumers across the credit spectrum through personal loan offerings (Key Developments).
Nueva narrativa • May 09
PGY may go up in next 6-12 months.
Pagaya Technologies (NASDAQ: PGY) — Investment Thesis Pagaya Technologies is not a software company. This distinction is the foundation of the entire investment case and is widely misunderstood by the market.Actualización de narrativa • May 02
PGY: Execution On Platform Relationships Will Support 2026 Earnings Guidance Upside Potential
Narrative update on Pagaya Technologies Pagaya Technologies' consensus analyst price target has been revised lower by multiple firms, with reductions such as $5, $7, $8, $13 and $15. Analysts are reassessing assumptions around discount rates, revenue growth, profit margins and future P/E levels while maintaining a fair value estimate of $33.00.Actualización de narrativa • Apr 18
PGY: Long Term Earnings Guidance Will Support Bullish Upside Thesis
Analysts have reduced their average price targets on Pagaya Technologies by $11.73 to $26.45, reflecting updated views on revenue growth, discount rates and profit expectations following a series of recent target cuts alongside one bullish initiation. Analyst Commentary Recent Street research points to a cluster of target reductions for Pagaya Technologies alongside one new bullish initiation, giving you a mixed but useful read on how the Street is recalibrating expectations around growth, profitability and risk.Actualización de narrativa • Apr 03
PGY: Execution On Platform Relationships Will Drive Future Upside Potential
Pagaya Technologies' updated analyst price target has been reduced by $7 to $33, as several firms reassessed their views on the stock. Analysts cited recent sector research, while one new bullish initiation at Freedom Capital highlights ongoing interest in the name.Actualización de narrativa • Mar 20
PGY: Reset Expectations And 2026 Guidance Will Support A Rebound
Pagaya Technologies' analyst price targets have been reset lower, with the fair value estimate moving from $27.00 to $20.00 as analysts factor in updated assumptions on required returns, growth, margins and future P/E. Analyst Commentary Recent Street research on Pagaya Technologies has featured a series of lower price targets, with multiple bearish analysts trimming their fair value estimates by mid single digit to mid teens dollar amounts.Actualización de narrativa • Mar 05
PGY: Reset Risk Assumptions And New Partnership Will Support Future Upside
Narrative Update: Pagaya Technologies The consolidated analyst price target for Pagaya Technologies has been reduced by a double digit dollar amount, as several firms cut their targets by $5 to $15 while emphasizing updated risk assumptions alongside steady model inputs for fair value, revenue growth, profit margins, and future P/E expectations. Analyst Commentary Recent Street research on Pagaya Technologies has centered on adjustments to price targets, with several firms revising their numbers while keeping core views on fair value drivers largely intact.Actualización de narrativa • Feb 19
PGY: Reset Expectations And New Partnership Will Support Future Upside Potential
Analysts have cut their average price target for Pagaya Technologies from $54.00 to $33.00, citing more cautious assumptions on fair value, discount rate, revenue growth, and profit margin following a series of recent target reductions across the Street research community. Analyst Commentary Recent research has centered on recalibrating Pagaya Technologies price targets, with multiple firms revisiting their assumptions on fair value, discount rates, revenue growth, and margins.Artículo de análisis • Feb 09
Pagaya Technologies Ltd.'s (NASDAQ:PGY) 28% Dip In Price Shows Sentiment Is Matching Revenues
Pagaya Technologies Ltd. ( NASDAQ:PGY ) shareholders that were waiting for something to happen have been dealt a blow...Actualización de narrativa • Feb 05
PGY: Raised Earnings Outlook And New Partnership Will Support Bullish Thesis
Narrative Update on Pagaya Technologies Analysts have trimmed their price target on Pagaya Technologies from about $40.50 to roughly $38.18, citing updated views on fair value, a higher discount rate, slightly softer revenue growth and margin expectations, and a higher future P/E assumption. Analyst Commentary Analysts reviewing Pagaya Technologies have shared a mix of optimism and caution as they reassess fair value, execution risks, and the revised P/E framework behind the updated target price near US$38.18.Artículo de análisis • Oct 16
Positive Sentiment Still Eludes Pagaya Technologies Ltd. (NASDAQ:PGY) Following 29% Share Price Slump
The Pagaya Technologies Ltd. ( NASDAQ:PGY ) share price has softened a substantial 29% over the previous 30 days...Artículo de análisis • Aug 31
The Market Lifts Pagaya Technologies Ltd. (NASDAQ:PGY) Shares 27% But It Can Do More
Despite an already strong run, Pagaya Technologies Ltd. ( NASDAQ:PGY ) shares have been powering on, with a gain of 27...Actualización de narrativa • Aug 10
Advanced AI Underwriting And Embedded Finance Will Open Markets
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.Artículo de análisis • Jul 07
Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Leap 27% Yet They're Still Not Telling The Full Story
Despite an already strong run, Pagaya Technologies Ltd. ( NASDAQ:PGY ) shares have been powering on, with a gain of 27...Nueva narrativa • May 28
Digital Transformation And AI Will Broaden Lending Channels
AI-enhanced products, network effects, and diversified asset classes support sustained revenue growth and improved margins amid ongoing digital transformation in the lending sector.Artículo de análisis • May 22
A Piece Of The Puzzle Missing From Pagaya Technologies Ltd.'s (NASDAQ:PGY) 56% Share Price Climb
Those holding Pagaya Technologies Ltd. ( NASDAQ:PGY ) shares would be relieved that the share price has rebounded 56...Previsiones de crecimiento de beneficios e ingresos
| Fecha | Ingresos | Beneficios | Flujo de caja libre | Flujo de caja operativo | Núm. de analistas medio |
|---|---|---|---|---|---|
| 12/31/2028 | 1,853 | N/A | N/A | N/A | 1 |
| 12/31/2027 | 1,693 | 225 | N/A | 399 | 8 |
| 12/31/2026 | 1,469 | 165 | N/A | 359 | 8 |
| 6/30/2026 | 1,390 | 123 | 236 | 265 | N/A |
| 3/31/2026 | 1,329 | 94 | 218 | 247 | N/A |
| 12/31/2025 | 1,301 | 77 | 209 | 239 | N/A |
| 9/30/2025 | 1,246 | -194 | 185 | 205 | N/A |
| 6/30/2025 | 1,153 | -282 | 110 | 131 | N/A |
| 3/31/2025 | 1,077 | -373 | 43 | 64 | N/A |
| 12/31/2024 | 1,032 | -401 | 25 | 48 | N/A |
| 9/30/2024 | 971 | -178 | 20 | 39 | N/A |
| 6/30/2024 | 925 | -132 | 43 | 62 | N/A |
| 3/31/2024 | 871 | -89 | 31 | 51 | N/A |
| 12/31/2023 | 812 | -128 | -42 | -22 | N/A |
| 9/30/2023 | 787 | -148 | -31 | -11 | N/A |
| 6/30/2023 | 779 | -201 | -71 | -40 | N/A |
| 3/31/2023 | 765 | -351 | -87 | -61 | N/A |
| 12/31/2022 | 749 | -315 | -62 | -40 | N/A |
| 9/30/2022 | 711 | -297 | -49 | -26 | N/A |
| 6/30/2022 | 643 | -255 | 8 | 15 | N/A |
| 3/31/2022 | 553 | -116 | 35 | 42 | N/A |
| 12/31/2021 | 475 | -134 | 43 | 50 | N/A |
| 9/30/2021 | 356 | -116 | 40 | 42 | N/A |
| 6/30/2021 | 256 | -80 | 16 | 17 | N/A |
| 3/31/2021 | 178 | -38 | 9 | 11 | N/A |
| 12/31/2020 | 99 | 5 | 3 | 4 | N/A |
| 12/31/2019 | 36 | -8 | N/A | -8 | N/A |
Previsiones de crecimiento futuro de los analistas
Ingresos vs. Tasa de ahorro: El pronóstico de crecimiento de los beneficios (39.3% al año) de PGY es superior a la tasa de ahorro (3.5%).
Beneficios vs. Mercado: Se prevé que los beneficios (39.3% al año) de PGY crezcan más rápidamente que el mercado US (16.4% al año).
Beneficios de alto crecimiento: Se espera que los beneficios de PGY crezcan significativamente en los próximos 3 años.
Ingresos vs. Mercado: Se prevé que los ingresos (12.4% al año) de PGY crezcan más despacio que el mercado de US (12.5% al año).
Ingresos de alto crecimiento: Se prevé que los ingresos 12.4% al año) de PGY crezcan más despacio que 20% al año.
Previsiones de crecimiento de los beneficios por acción
Rentabilidad financiera futura
ROE futura: Se prevé que la rentabilidad financiera de PGY sea alta dentro de 3 años (33%)
Descubre empresas en crecimiento
Análisis de la empresa y estado de los datos financieros
| Datos | Última actualización (huso horario UTC) |
|---|---|
| Análisis de la empresa | 2026/07/31 22:23 |
| Precio de las acciones al final del día | 2026/07/31 00:00 |
| Beneficios | 2026/06/30 |
| Ingresos anuales | 2025/12/31 |
Fuentes de datos
Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.
| Paquete | Datos | Marco temporal | Ejemplo Fuente EE.UU. * |
|---|---|---|---|
| Finanzas de la empresa | 10 años |
| |
| Estimaciones del consenso de analistas | +3 años |
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| Precios de mercado | 30 años |
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| Propiedad | 10 años |
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| Gestión | 10 años |
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| Principales avances | 10 años |
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* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.
A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.
Modelo de análisis y copo de nieve
Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.
Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.
Métricas industriales y sectoriales
Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.
Fuentes analistas
Pagaya Technologies Ltd. está cubierta por 11 analistas. 9 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.
| Analista | Institución |
|---|---|
| Mark Palmer | Benchmark Company |
| Michael Legg | Benchmark Company |
| Harold Goetsch | B. Riley Securities, Inc. |