Pagaya Technologies Ltd. (PGY)
NASDAQ (CM) NASDAQ (CM) Primary 
CXA 
PGY Shares Plunge 47.7% in a Month: Is it Time to Sell the Stock?
Pagaya shares plunge 47.7% in a month after soft 2026 guidance and tighter underwriting spook investors despite positive GAAP income.
Can Pagaya Scale Faster Using Its AI-Led Credit Platform?
PGY hits a 2025 inflection, with profitable quarters, a capital-light ABS model and a growing partner network driving scale.
Pagaya: Likely Q4 Beat To Drive A Re-Rating Beyond Deep-Value Levels
I expect Pagaya to beat analysts' revenue and EPS estimates when it reports Q4 earnings on February 9th. PGY's estimated network volume growth and operating leverage could help offset a potential sequential CNL rate expansion, in light of the higher NCOs reported by SoFi and Ally during Q4. I expect Pagaya to report YoY revenue and EPS growth of 25% and 138%, respectively, in FY 2026, driven by accelerated onboarding of 8 new partners and take rate expansion.
Pagaya Technologies: Investor Misunderstanding Has Created A Launchpad
Pagaya Technologies Ltd. is deeply undervalued following a 44.6% selloff despite robust growth. PGY's business model is misunderstood; it is asset-light, B2B, and not as exposed to credit market cycles. Strong catalysts include expanding partnerships, rapid onboarding, and diversification into auto and POS lending, driving network volume and margin expansion.
Should You Buy, Hold or Sell Pagaya Stock Ahead of Q4 Earnings?
PGY reports Q4 results on Feb. 9 as revenue growth, guidance and rising expenses shape whether investors should buy, hold or stay cautious.
PGY vs. OMF: Which Stock Wins the Consumer Credit Battle?
Can Pagaya's AI-powered, capital-light platform outshine a traditional non-prime rival like OneMain on growth potential? Let us find out.
Does Pagaya's Asset-Light Strategy Help Reduce Credit Risk?
PGY's asset-light model keeps most loans off its balance sheet, using ABS and forward flows to curb credit risk and stay resilient in volatile markets.
Pagaya Technologies: An Asymmetric Play With Big Upside Potential
Pagaya Technologies shows significant undervaluation of 50% vs its peers, combined with moderate growth and expanding margins (e.g., EBITDA margin improved from 7% to 20% in four quarters). PGY's edge rests on six competitive advantages, including an AI-driven 'Second Look' model, upfront funding, and B2B2C partnerships that focus on working with banks instead of competing against them. I see a 91% upside in my base case—a blend of relative and absolute valuation—driven mainly by expanding margins and a potential drop in the discount rate.
Pagaya: Ratings Upgrade Into Earnings; Bullish On Pullback
Pagaya Technologies has reset expectations and valuation after a volatile period, presenting a compelling bullish setup ahead of its upcoming earnings. PGY's operational improvements in 2025 drove strong revenue growth, margin expansion, and stabilized credit risk, setting a solid foundation for 2026. Consensus 2026 EPS estimates appear conservative; I see realistic upside to $3.25–$3.50, implying 5–15% stock appreciation from current levels.
Pagaya Technologies: Sustainable Growth Backed By Solid Market Expansion
Pagaya Technologies is rated a buy, offering triple-digit upside potential driven by robust AI-powered lending and strong partner ramp. PGY consistently delivers double-digit revenue growth, surpassing industry averages, with Q3 2025 revenue at $350.1M and improving profitability. The B2B2C model and multi-product adoption position PGY for scalable growth, with 8 new partners and a raised FY 2025 GAAP net income guidance.
Pagaya Technologies Ltd. (PGY) Stock Declines While Market Improves: Some Information for Investors
Pagaya Technologies Ltd. (PGY) concluded the recent trading session at $24.74, signifying a -4.96% move from its prior day's close.
Pagaya Shines in 2025: How Should Investors Play the Fintech Stock?
PGY hit a 2025 inflection point with three straight GAAP profits, shrinking credit losses and a 125% share surge amid stronger fundamentals.
