Pagaya Technologies Gestion
Gestion contrôle des critères 3/4
Le PDG Pagaya Technologies est Gal Krubiner, nommé en Apr2016, a un mandat de 10.17 ans. La rémunération annuelle totale est $ 6.02M, composée du salaire de 16.6% et des bonus 83.4%, y compris les actions et options de la société. détient directement 6.19% des actions de la société, d'une valeur de $ 80.11M. La durée moyenne de mandat de l'équipe de direction et du conseil d'administration est respectivement 2 ans et 8.4 ans.
Informations clés
Gal Krubiner
Directeur général
US$6.0m
Rémunération totale
| Pourcentage du salaire du PDG | 16.61% |
| Durée du mandat du directeur général | 10.2yrs |
| Propriété du PDG | 6.2% |
| Durée moyenne d'occupation des postes de direction | 2yrs |
| Durée moyenne du mandat des membres du conseil d'administration | 8.4yrs |
Mises à jour récentes de la gestion
Recent updates
Article d’analyse • 8h
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...
Mise à jour du récit • 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.
Mise à jour du récit • 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.Mise à jour du récit • 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).
Nouveau récit • 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.
Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Article d’analyse • 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...Mise à jour du récit • 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.Seeking Alpha • Dec 19
Pagaya's Selloff Looks Detached From Reality
Summary I see Pagaya Technologies' selloff as a credit-fear overreaction, not a fundamentals-driven mispricing. PGY’s Q3 2025 results showed $350M revenue (+36% YoY), improved margins, and its third consecutive GAAP net income quarter. Operating leverage is real: adjusted EBITDA hit $107M (30.6% margin vs. 21.8% prior), and GAAP net income was +$23M, third straight profitable quarter. Diversification reduces single-lane risk: POS and auto are ~32% of volume versus 9% last year, while partner stickiness improves via multi-product adoption. Valuation looks compressed at ~7.1x 2025 EPS and <6.9x 2026; my scenario yields a $51 target (~131% upside), but onboarding/delinquency risks remain. Read the full article on Seeking AlphaArticle d’analyse • 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...Article d’analyse • 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...Mise à jour du récit • 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.Article d’analyse • 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...Nouveau récit • 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.Article d’analyse • 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...Article d’analyse • Feb 15
Pagaya Technologies Ltd.'s (NASDAQ:PGY) Shares Bounce 74% But Its Business Still Trails The Industry
The Pagaya Technologies Ltd. ( NASDAQ:PGY ) share price has done very well over the last month, posting an excellent...Seeking Alpha • Jan 24
Pagaya: 2025 Will Be A Year Of Clarity, Strong Buy
Summary With its unique investor network, Pagaya is all set to scale its business by approving more loans through its lending partners. Even with the most conservative valuation of its share price, Pagaya remains significantly undervalued. The bearish market stems from Pagaya's issues with credit impairments. Something that management say will improve going forward. Point-of-sale remains a hyper-growth market for Pagaya with key lending partners like fintech bank Klarna. Read the full article on Seeking AlphaArticle d’analyse • Jan 22
Is Pagaya Technologies (NASDAQ:PGY) Using Too Much Debt?
Howard Marks put it nicely when he said that, rather than worrying about share price volatility, 'The possibility of...Nouveau récit • Jan 02
PGY is a Buy
Core Product: Pagaya’s AI-powered platform for financial underwriting and risk assessment is a key driver of revenue. As financial institutions increasingly adopt AI solutions for more accurate and efArticle d’analyse • Nov 15
Pagaya Technologies Ltd. (NASDAQ:PGY) Just Reported, And Analysts Assigned A US$20.75 Price Target
There's been a major selloff in Pagaya Technologies Ltd. ( NASDAQ:PGY ) shares in the week since it released its...Analyse de la rémunération des PDG
| Date | Rémunération totale | Salaire | Bénéfices de l'entreprise |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$94m |
| Dec 31 2025 | US$6m | US$1m | US$77m |
| Sep 30 2025 | n/a | n/a | -US$194m |
| Jun 30 2025 | n/a | n/a | -US$282m |
| Mar 31 2025 | n/a | n/a | -US$373m |
| Dec 31 2024 | US$4m | US$1m | -US$401m |
| Sep 30 2024 | n/a | n/a | -US$178m |
| Jun 30 2024 | n/a | n/a | -US$132m |
| Mar 31 2024 | n/a | n/a | -US$89m |
| Dec 31 2023 | US$2m | US$1m | -US$128m |
| Sep 30 2023 | n/a | n/a | -US$148m |
| Jun 30 2023 | n/a | n/a | -US$201m |
| Mar 31 2023 | n/a | n/a | -US$351m |
| Dec 31 2022 | US$3m | US$1m | -US$315m |
Rémunération vs marché: La rémunération totale de Gal ($USD 6.02M ) est dans la moyenne des entreprises de taille similaire sur le marché US ($USD 5.28M ).
Rémunération et revenus: La rémunération de Gal a été cohérente avec les performances de l'entreprise au cours de l'année écoulée.
PDG
Gal Krubiner (37 yo)
10.2yrs
Titularisation
US$6,019,560
Compensation
Mr. Gal Krubiner co-founded Pagaya Technologies Ltd in April 2016 and has been its Chief Executive Officer since April 2016 and is its Director since 2016. He is the Chief Executive Officer and Co-Founder...
Équipe de direction
| Nom | Position | Titularisation | Compensation | Propriété |
|---|---|---|---|---|
| CEO, Co-Founder & Director | 10.2yrs | US$6.02m | 6.19% $ 80.1m | |
| Co-Founder & President | 2.7yrs | US$4.97m | 0.19% $ 2.4m | |
| Co-Founder | 10.4yrs | US$1.56m | 3.44% $ 44.6m | |
| Co-Founder | 10.2yrs | pas de données | 4.64% $ 60.1m | |
| Chair of Strategic Advisory Board | 2.2yrs | US$2.36m | 0.057% $ 741.7k | |
| Strategic Executive Advisor | no data | US$3.35m | 0.16% $ 2.1m | |
| Chief Financial Officer | no data | pas de données | 0.0076% $ 98.5k | |
| Chief Operating Officer | less than a year | pas de données | pas de données | |
| Chief Investment Officer | 8.3yrs | pas de données | pas de données | |
| Chief Accounting Officer & Principal Accounting Officer | 1.5yrs | pas de données | 0.022% $ 284.0k | |
| Chief Technology Officer | 1.4yrs | pas de données | pas de données | |
| Head of Investor Relations & COO of Finance | 1.8yrs | pas de données | pas de données |
2.0yrs
Durée moyenne de l'emploi
47.5yo
Âge moyen
Gestion expérimentée: L'équipe de direction de PGY n'est pas considérée comme expérimentée (ancienneté moyenne 2 ans), ce qui suggère une nouvelle équipe.
Membres du conseil d'administration
| Nom | Position | Titularisation | Compensation | Propriété |
|---|---|---|---|---|
| CEO, Co-Founder & Director | 10.4yrs | US$6.02m | 6.19% $ 80.1m | |
| Co-Founder | 10.4yrs | US$1.56m | 3.44% $ 44.6m | |
| Co-Founder | 10.4yrs | pas de données | 4.64% $ 60.1m | |
| Chair of Strategic Advisory Board | 2.2yrs | US$2.36m | 0.057% $ 741.7k | |
| Independent Director | 8.4yrs | US$322.60k | 0.29% $ 3.8m | |
| Independent Chairman | 10.4yrs | US$532.60k | 0.19% $ 2.5m | |
| Independent Director | 8.4yrs | US$332.60k | 0.12% $ 1.5m | |
| Independent Director | 1.5yrs | US$322.60k | 0.026% $ 337.6k | |
| Independent Director | 1.5yrs | US$322.60k | 0.026% $ 337.6k | |
| Independent Director | 6.4yrs | pas de données | pas de données |
8.4yrs
Durée moyenne de l'emploi
57yo
Âge moyen
Conseil d'administration expérimenté: Les membres du conseil d'administration de PGY sont considérés comme expérimentés (ancienneté moyenne 8.4 ans).
Analyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/06/21 10:44 |
| Cours de l'action en fin de journée | 2026/06/18 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d'analyse utilisé pour générer ce rapport sont disponibles sur notre page Github, nous proposons également des guides pour apprendre à utiliser nos rapports et des tutoriels sur YouTube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
Pagaya Technologies Ltd. est couverte par 11 analystes. 10 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Mark Palmer | Benchmark Company |
| Michael Legg | Benchmark Company |
| Harold Goetsch | B. Riley Securities, Inc. |