PGY$22.83
$22.88
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Performance
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AI PGY Summary
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Powered by LiveAIOverall Analysis
HoldPagaya Technologies shows strong performance in specific areas like revenue growth and positive cash flow from operations in the latest quarter, but it is not yet consistently profitable and faces significant challenges in its valuation and EPS. The technicals indicate a downtrend, making it a mixed bag for investors currently. Long-term potential exists if profitability improves and valuation normalizes.
Thematic
Pagaya operates in the high-growth fintech sector, leveraging AI for financial services. This positions it well within trends of AI adoption, personalized finance, and embedded financial solutions. The company's focus on data science and AI for loan origination and asset management aligns with the increasing demand for efficient and data-driven financial processes.
Fundamental
Pagaya Technologies demonstrates significant revenue growth but struggles with profitability, showing negative EPS and net income. While cash flow from operations has improved recently, the company has substantial debt. Valuation metrics like P/E are not meaningful due to negative earnings, and P/S is also relatively high.
Technical
The stock price has seen a significant decline over the past year and is trading below key moving averages. While recent short-term performance shows gains, the overall trend and indicators suggest continued downward pressure or sideways movement with a bearish bias.
| Factor | Score |
|---|---|
| AI in Financial Services | 90 |
| Fintech Disruption | 85 |
| Market Expansion (US, Israel, Cayman Islands) | 70 |
| Partnerships with Financial Institutions | 80 |
| Regulatory Landscape | 60 |
| Factor | Score |
|---|---|
| Valuation | 40 |
| Profitability | 10 |
| Growth | 80 |
| Balance Sheet Health | 30 |
| Cash Flow | 60 |
| Earnings Per Share (EPS) | 5 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 30 |
| Volume Confirmation | 40 |
| Support & Resistance | 50 |
| Short-term Performance | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Strong Short-Term Performance
The stock has shown remarkable short-term growth, with a 6-month performance of 246.24% and Year-to-Date (YTD) performance of 234.37%.
Growth-Oriented Valuation
The company has a negative P/E ratio (TTM: -8.2, 2024: -1.5), indicating it is currently not profitable on a trailing twelve-month or annual basis. However, the P/S ratio (TTM: 3.0) suggests the market values its revenue, and the quarterly P/S ratios (e.g., 2024Q2: 8.4, 2024Q1: 8.6) might reflect growth expectations or early-stage valuation.
Bearish Points (8)
Consistent Net Losses
The company has consistently reported net losses (e.g., TTM net income of -$297.51 million, 2024 annual net income of -$401.41 million), indicating a lack of current profitability.
High Price-to-Sales Ratio
The Price-to-Sales (P/S) ratios are elevated, particularly in recent quarters (e.g., Q1 2024: 8.6, Q2 2024: 8.4), suggesting that the stock may be overvalued relative to its revenue, especially given the current net losses.
Calendar
August 2025
7
Next Earnings Date
H: $0.70
A: $0.67
L: $0.60
H: 326.30M
A: 324.85M
L: 319.10M
Profile
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.
Seasonals
Price Target
33.08 USD
The 39 analysts offering 1 year price forecasts for PGY have a max estimate of 46.00 and a min estimate of 13.75.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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