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Pagaya Technologies develops AI-powered platforms for credit analysis, underwriting, and financial asset management.
Snapshot
| Country |
ISR
|
| Exchange | Nasdaq |
| AI Layer |
app
|
| Sentiment |
48.0% |
| USD Mkt Cap | 1.67B |
| USD Revenue | 1.39B |
| USD Net Income | 122.54M |
| P/E | 14.37 |
| fwd P/E | 4.82 |
| PEG | 0.04 |
| Price 3M | +30.3% |
| Price 6M | +83.5% |
| Price 1Y | -49.3% |
| Price 2Y | +60.2% |
| USD Share Price | 20.11 |
Price & Size
| Price |
19.97 USD |
| Market Cap |
1.67B USD |
| Shares Outstanding |
72.14M |
| Shares Float |
70.52M |
| 52w Low |
10.40 USD |
| 52w High |
44.99 USD |
| Avg Volume |
3.06M |
Valuation
| P/E (trailing) |
14.4x |
| P/E (forward) |
4.8x |
| P/B |
2.80x |
| Enterprise Value |
1.37B USD |
| Book Value / Share |
7.13 USD |
| PEG Ratio |
0.04x |
| P/S |
1.20x |
| EV / Revenue |
0.98x |
| EV / EBITDA |
3.89x |
Income
| Revenue |
1.39B USD |
| Revenue / Share |
17.03 USD |
| EBITDA |
351.62M USD |
| Net Income |
122.54M USD |
| EPS (trailing) |
1.39 USD |
| EPS (forward) |
4.15 USD |
Margins & Profitability
| Gross Margin |
43.4% |
| Operating Margin |
27.3% |
| Profit Margin |
9.1% |
| EBITDA Margin |
25.3% |
| Return on Equity |
19.5% |
| Return on Assets |
14.0% |
Growth
| Revenue Growth |
18.6% |
| Earnings Growth |
143.3% |
Cash & Debt
| Total Cash |
1.29B USD |
| Total Debt |
907.34M USD |
| Free Cash Flow |
207.18M USD |
| Operating Cash Flow |
264.73M USD |
| Debt / Equity |
1.34x |
| Current Ratio |
14.58x |
| Quick Ratio |
14.06x |
Analyst Consensus
| Target (Mean) |
28.91 USD |
| Target (Median) |
27.00 USD |
| Target (High) |
36.00 USD |
| Target (Low) |
23.00 USD |
| Recommendation |
strong_buy |
| # Analysts |
11 |
Sentiment 48.0%
as of Sep 12, 2026
Positive drivers
Continued AI-driven automation in lending platforms showed incremental adoption among financial institutions. Strategic partnerships announced in late August supported modest revenue growth projections. Sector-wide optimism around AI fintech solutions provided some tailwind for PGY shares.
Neutral / mixed
Earnings results released in early September met expectations without significant beats or misses. Macroeconomic uncertainty around interest rates created mixed signals for credit markets. Trading volumes remained average with limited institutional repositioning.
Negative drivers
Ongoing concerns over credit performance in a higher-for-longer rate environment weighed on investor sentiment. Competitive pressures from larger fintech peers intensified during the period. Minor delays in product roadmap updates contributed to cautious outlook.
Bottom line
Overall sentiment for PGY remained slightly below neutral amid balanced but uninspiring developments in the AI lending space. Investors appear to be waiting for clearer catalysts before committing to a stronger directional view.