PGY Share Price Performance
US$24.77
14.52 (141.66%)
38.8% undervalued intrinsic discount
US$40.50
Fair Value
Price US$24.77
AnalystConsensusTarget US$40.50
Talos US$170.60
AnalystHighTarget US$54.00
Fair ValueUS$40.50
Share Pricen/a
Pagaya Technologies Ltd. Stock Price
- 5 Narratives written by author
- 2 Comments on narratives written by author
- 140 Fair Values set on narratives written by author
PGY Community Narratives
AN
Fair Value US$40.5 38.8% undervalued intrinsic discount
Advanced AI Underwriting And Embedded Finance Will Open Markets
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50users have followed this narrative
TA
Fair Value US$170.6 85.5% undervalued intrinsic discount
The "Rate Cut" Supercycle Winner – Profitable & Accelerating
1users have liked this narrative
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4users have followed this narrative
AN
Fair Value US$54 54.1% undervalued intrinsic discount
AI Expansion And Lending Diversification Will Transform The Credit Landscape
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7users 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
1users have liked this narrative
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4users have followed this narrative
TA
US$170.6
85.5% undervalued intrinsic discount
Talos Fair Value
Revenue
32% p.a.
Profit Margin
20%
Future PE
30x
Price in 2030
US$268.56
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
3users have liked this narrative
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25users have followed this narrative
YY
US$34.05
27.3% undervalued intrinsic discount
yyzjons Fair Value
Revenue
16% p.a.
Profit Margin
13.01%
Future PE
32.14x
Price in 2029
US$82.52
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
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7users have followed this narrative
AN
US$54
54.1% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue
20.08% p.a.
Profit Margin
19.06%
Future PE
15.88x
Price in 2028
US$70.12
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
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AN
US$27
8.3% undervalued intrinsic discount
AnalystLowTarget Fair Value
Revenue
13.07% p.a.
Profit Margin
13.37%
Future PE
13.55x
Price in 2028
US$35.03
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
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50users have followed this narrative
AN
US$40.5
38.8% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue
17.02% p.a.
Profit Margin
16.87%
Future PE
14.56x
Price in 2028
US$52.65
Trending Discussion
Recently Updated Narratives
TA
The "Rate Cut" Supercycle Winner – Profitable & Accelerating
Fair Value: US$170.6 85.5% undervalued intrinsic discount
4 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 27.3% undervalued intrinsic discount
25 followersusers have followed this narrative
1 commentusers have commented on this narrative
0 likesusers have liked this narrative
AN
Rising Regulations And Fierce Fintech Competition Will Erode Prospects
Fair Value: US$27 8.3% undervalued intrinsic discount
1 followerusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
Snowflake Analysis
Pagaya Technologies Ltd. Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
n/a
- -2.41
- 42.43%
- -15.54%
- 135.6%
About PGY
- Founded
- 2016
- Employees
- 531
- CEO
- WebsiteView website
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services and other service providers, their customers, and asset investors in the United States, Israel, and the Cayman Islands. The company develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was incorporated in 2016 and is headquartered in New York, New York.
