Pagaya Technologies Ltd.

NasdaqCM:PGY Stok Raporu

Piyasa değeri: US$1.0b

Pagaya Technologies Bilanço Sağlığı

Finansal Sağlık kriter kontrolleri 4/6

Pagaya Technologies şirketinin toplam hissedar öz sermayesi $629.3M ve toplam borcu $895.4M olup, bu da borç-öz sermaye oranını 142.3% seviyesine getiriyor. Toplam varlıkları ve toplam yükümlülükleri sırasıyla $1.6B ve $1.0B dir.

Anahtar bilgiler

142.29%

Borç/özkaynak oranı

US$895.38m

Borç

Faiz karşılama oranın/a
NakitUS$1.26b
EşitlikUS$629.26m
Toplam yükümlülüklerUS$1.02b
Toplam varlıklarUS$1.65b

Son finansal sağlık güncellemeleri

Analiz Makalesi • 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...

Recent updates

Anlatı Güncellemesi • 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).
Yeni Anlatı • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
Anlatı Güncellemesi • 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 Alpha
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
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Yeni Anlatı • 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.
Analiz Makalesi • 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...
Analiz Makalesi • 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 Alpha
Analiz Makalesi • 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...
Yeni Anlatı • 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 ef
Analiz Makalesi • 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...
Analiz Makalesi • Nov 08

Pagaya Technologies Ltd.'s (NASDAQ:PGY) Price Is Right But Growth Is Lacking After Shares Rocket 28%

Pagaya Technologies Ltd. ( NASDAQ:PGY ) shareholders are no doubt pleased to see that the share price has bounced 28...
Analiz Makalesi • Oct 24

Pagaya Technologies (NASDAQ:PGY) May Have Issues Allocating Its Capital

If we want to find a stock that could multiply over the long term, what are the underlying trends we should look for...

Finansal Durum Analizi

Kısa Vadeli Yükümlülükler: PGY 'nin kısa vadeli varlıkları ( $1.5B ) kısa vadeli yükümlülüklerini ( $205.5M ) aşıyor.

Uzun Vadeli Yükümlülükler: PGY şirketinin kısa vadeli varlıkları ( $1.5B ) uzun vadeli yükümlülüklerini ( $813.9M ) aşmaktadır.

Borç-Özkaynak Tarihçesi ve Analizi

Borç Seviyesi: PGY şirketinin toplam borcundan daha fazla nakiti var.

Borcun Azaltılması: PGY şirketinin borç/öz sermaye oranı son 5 yılda 0% seviyesinden 142.3% seviyesine yükseldi.

Borç Kapsamı: PGY 'nin borcu işletme nakit akışı ( 27.6% ) tarafından iyi bir şekilde karşılanmaktadır.

Faiz Kapsamı: PGY şirketinin borçlarına ilişkin faiz ödemelerinin EBIT tarafından iyi bir şekilde karşılanıp karşılanmadığını belirlemek için yeterli veri yok.

Bilanço

Sağlıklı şirketleri keşfedin

7D

1Y

7D

1Y

7D

1Y

Şirket Analizi ve Finansal Veri Durumu

VeriSon Güncelleme (UTC saati)
Şirket Analizi2026/05/20 03:53
Gün Sonu Hisse Fiyatı2026/05/20 00:00
Kazançlar2026/03/31
Yıllık Kazançlar2025/12/31

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.

PaketVeriZaman ÇerçevesiÖrnek ABD Kaynağı *
Şirket Finansalları10 yıl
  • Gelir tablosu
  • Nakit akış tablosu
  • Bilanço
Analist Konsensüs Tahminleri+3 yıl
  • Finansal tahminler
  • Analist fiyat hedefleri
Piyasa Fiyatları30 yıl
  • Hisse senedi fiyatları
  • Temettüler, Bölünmeler ve Eylemler
Sahiplik10 yıl
  • En büyük hissedarlar
  • İçeriden öğrenenlerin ticareti
Yönetim10 yıl
  • Liderlik ekibi
  • Yönetim Kurulu
Önemli Gelişmeler10 yıl
  • Şirket duyuruları

* 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 kullanacağınızı anlatan 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.

AnalistKurum
Mark PalmerBenchmark Company
Michael LeggBenchmark Company
Harold GoetschB. Riley Securities, Inc.