Pagaya Explained: How Its AI Credit Network Makes Money
PGY's AI-driven credit network connects lenders and investors, scaling fee revenue via an asset-light model and expanding beyond personal loans.
Pagaya's Position in the Expanding Embedded Credit Market in 2026
PGY bets on embedded credit boom, with POS and auto mix gains, partner onboarding, and rising revenue per app shaping its 2026 growth setup.
Pagaya Technologies Ltd. (PGY) Advances While Market Declines: Some Information for Investors
In the closing of the recent trading day, Pagaya Technologies Ltd. (PGY) stood at $11.03, denoting a +2.51% move from the preceding trading day.
Adams Street Partners LLC Makes New $10.53 Million Investment in Pagaya Technologies Ltd. $PGY
Adams Street Partners LLC purchased a new stake in Pagaya Technologies Ltd. (NASDAQ: PGY) in the undefined quarter, according to its most recent filing with the SEC. The fund purchased 354,539 shares of the company's stock, valued at approximately $10,526,000. Pagaya Technologies comprises about 6.9% of Adams Street Partners LLC's portfolio, making the
Pagaya's Hidden Value: Top Reasons To Buy This Undervalued Stock
Pagaya Technologies is rated a buy for long-term, value-oriented growth investors despite recent underperformance and headwinds in the fintech sector. Its business model improvements—revolving ABS, risk-based securities, and partner onboarding—enhance safety and operating leverage, positioning it as an AI-powered financial infrastructure provider. While revenue growth has slowed, 2025 operating income rose 294%, and the company is prioritizing balance sheet strength over 'growth at all costs.'
Pagaya Technologies Is An AI GARP Opportunity Trading At A P/E Of 4x
Pagaya Technologies (PGY) offers a compelling GARP opportunity, with robust growth, high margins, and a unique AI-driven lending platform. Despite a -40% YTD performance, PGY's fundamentals remain strong, with Q4 2025 net income reaching $34.3M and revenue up 20% YoY. Guidance projects 2026 network volume of $11.25–$13B, revenue of $1.4–$1.575B, and net income of $100–$150M, supported by a pristine balance sheet.
Pagaya Technologies Ltd. (PGY) Presents at Morgan Stanley Technology, Media & Telecom Conference 2026 Transcript
Pagaya Technologies Ltd. (PGY) Presents at Morgan Stanley Technology, Media & Telecom Conference 2026 Transcript
PGY vs. LC: Better to Choose Profitable Digital Bank or Fintech Play?
LendingClub Corporation LC and Pagaya Technologies Ltd. PGY operate in the same consumer credit ecosystem but with different business models.
What Was Behind Pagaya's Positive GAAP Earnings in 2025?
PGY swings to record GAAP profit in 2025 as revenues jump 26% year over year and margins expand.
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.
