Pagaya Technologies (PGY) Hisse Özeti
Ürün odaklı bir teknoloji şirketi olan Pagaya Technologies Ltd., finansal hizmetler, müşterileri ve Amerika Birleşik Devletleri, İsrail ve Cayman Adaları'ndaki kurumsal veya sofistike yatırımcılar için veri bilimi ve tescilli yapay zeka destekli teknoloji kullanmaktadır. Daha fazla detay
| Kar Tanesi Skoru | |
|---|---|
| Değerleme | 5/6 |
| Gelecekteki Büyüme | 5/6 |
| Geçmiş Performans | 2/6 |
| Finansal Sağlık | 4/6 |
| Temettüler | 0/6 |
PGY Community Fair Values
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Analyst Price Targets
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Pagaya Technologies Ltd. Rakipler
Fiyat Geçmişi ve Performans
| Tarihsel hisse senedi fiyatları | |
|---|---|
| Güncel Hisse Fiyatı | US$17.96 |
| 52 Haftanın En Yüksek Seviyesi | US$44.99 |
| 52 Haftanın En Düşük Seviyesi | US$10.40 |
| Beta | 5.34 |
| 1 Aylık Değişim | 14.54% |
| 3 Aylık Değişim | 22.09% |
| 1 Yıllık Değişim | -23.67% |
| 3 Yıllık Değişim | -31.35% |
| 5 Yıllık Değişim | -84.51% |
| Halka arzdan bu yana değişim | -85.03% |
Son Haberler & Güncellemeler
Recent updates
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 AlphaPagaya 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...
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.
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.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).
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.
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.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.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.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.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.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.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...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.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...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...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.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...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.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...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...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 AlphaIs 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...Hissedar Getirileri
| PGY | US Software | US Pazar | |
|---|---|---|---|
| 7D | 4.9% | -1.3% | 0.2% |
| 1Y | -23.7% | -22.0% | 19.6% |
Getiri vs. Endüstri: PGY geçen yıl % -22 oranında getiri sağlayan US Software sektörünün gerisinde kaldı.
Getiri vs Piyasa: PGY geçen yıl % 19.6 oranında getiri sağlayan US Piyasasının altında performans gösterdi.
Fiyat Oynaklığı
| PGY volatility | |
|---|---|
| PGY Average Weekly Movement | 9.7% |
| Software Industry Average Movement | 10.0% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.2% |
İstikrarlı Hisse Senedi Fiyatı: PGY son 3 ayda US piyasasına kıyasla önemli bir fiyat oynaklığı yaşamadı.
Zaman İçindeki Volatilite: PGY 'nin haftalık oynaklığı ( 10% ) son bir yıldır istikrarlı seyretti.
Şirket Hakkında
| Kuruldu | Çalışanlar | CEO | Web sitesi |
|---|---|---|---|
| 2016 | 511 | Gal Krubiner | pagaya.com |
Ürün odaklı bir teknoloji şirketi olan Pagaya Technologies Ltd., finansal hizmetler, müşterileri ve Amerika Birleşik Devletleri, İsrail ve Cayman Adaları'ndaki kurumsal veya sofistike yatırımcılar için veri bilimi ve tescilli yapay zeka destekli teknoloji kullanmaktadır. Şirket, Ortakların reddedilen kredi başvurularını otomatik olarak ağına göndermesine ve aksi takdirde reddedecekleri müşterileri onaylamasına olanak tanıyan amiral gemisi ürünü Decline Monetization; başvuruları Ortaklarıyla eşzamanlı olarak gerçek zamanlı olarak değerlendirmeye olanak tanıyan Dual Look ve kredi başvurularının belirlenmiş segmentlerini değerlendirme için ağa yönlendiren First Look'u sunmaktadır. Ayrıca, Ortakların üçüncü taraf bağlı kuruluş kanalları aracılığıyla kredi oluşturmasına olanak tanıyan bir müşteri edinme aracı olan Affiliate Optimizer Engine; Ortakların doğrudan kanallar aracılığıyla yeni müşterileri hedeflemesine ve edinmesine yardımcı olmak için veri ağını kullanan Direct Marketing Engine ve işlem sürecini hızlandıran FastPass'i de sunmaktadır.
Pagaya Technologies Ltd. Temel Bilgiler Özeti
| PGY temel i̇stati̇sti̇kler | |
|---|---|
| Piyasa değeri | US$1.51b |
| Kazançlar(TTM) | US$93.98m |
| Gelir(TTM) | US$1.33b |
PGY aşırı değerli mi?
Gerçeğe Uygun Değer ve değerleme analizine bakınızKazanç ve Gelir
| PGY gelir tablosu (TTM) | |
|---|---|
| Gelir | US$1.33b |
| Gelir Maliyeti | US$759.65m |
| Brüt Kâr | US$569.67m |
| Diğer Giderler | US$475.69m |
| Kazançlar | US$93.98m |
Son Raporlanan Kazançlar
Mar 31, 2026
Sonraki Kazanç Tarihi
Jul 30, 2026
| Hisse başına kazanç (EPS) | 1.13 |
| Brüt Marj | 42.85% |
| Net Kâr Marjı | 7.07% |
| Borç/Özkaynak Oranı | 142.3% |
PGY uzun vadede nasıl bir performans gösterdi?
Geçmiş performansı ve karşılaştırmayı görünŞirket Analizi ve Finansal Veri Durumu
| Veri | Son Güncelleme (UTC saati) |
|---|---|
| Şirket Analizi | 2026/07/15 23:39 |
| Gün Sonu Hisse Fiyatı | 2026/07/15 00:00 |
| Kazançlar | 2026/03/31 |
| Yıllık Kazançlar | 2025/12/31 |
Veri Kaynakları
Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.
| Paket | Veri | Zaman Çerçevesi | Örnek ABD Kaynağı * |
|---|---|---|---|
| Şirket Finansalları | 10 yıl |
| |
| Analist Konsensüs Tahminleri | +3 yıl |
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| Piyasa Fiyatları | 30 yıl |
| |
| Sahiplik | 10 yıl |
| |
| Yönetim | 10 yıl |
| |
| Önemli Gelişmeler | 10 yıl |
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* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.
Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.
Analiz Modeli ve Kar Tanesi
Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına Github sayfamızdan ulaşabilirsiniz; ayrıca raporlarımızı nasıl kullanacağınıza dair kılavuzlarımız ve YouTube’da eğitim videolarımız da bulunmaktadır.
Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.
Endüstri ve Sektör Metrikleri
Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.
Analist Kaynakları
Pagaya Technologies Ltd. 11 Bu analistlerden 10, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.
| Analist | Kurum |
|---|---|
| Mark Palmer | Benchmark Company |
| Michael Legg | Benchmark Company |
| Harold Goetsch | B. Riley Securities, Inc. |