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Technology - Software - Infrastructure - NASDAQ - IL
$ 8.81
-6.97 %
$ 642 M
Market Cap
-4.74
P/E
1. INTRINSIC VALUE

Pagaya Technologies Ltd. operates as a financial technology company in Israel, the United States, and the Cayman Islands. It develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include high-growth financial technology companies, incumbent financial institutions, auto finance providers, and brokers. The company was founded in 2016 and is headquartered in Tel Aviv, Israel.[ Read More ]

The intrinsic value of one PGY stock under the base case scenario is HIDDEN Compared to the current market price of 8.81 USD, Pagaya Technologies Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PGY

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FINANCIALS
773 M REVENUE
12.75%
-24.4 M OPERATING INCOME
92.25%
-128 M NET INCOME
56.13%
9.58 M OPERATING CASH FLOW
123.94%
-413 M INVESTING CASH FLOW
-55.49%
289 M FINANCING CASH FLOW
-33.98%
257 M REVENUE
6.03%
22.4 M OPERATING INCOME
345.28%
-92.6 M NET INCOME
-23.77%
-1.5 M OPERATING CASH FLOW
-9.71%
-114 M INVESTING CASH FLOW
5.15%
-360 M FINANCING CASH FLOW
-564.63%
Balance Sheet Decomposition Pagaya Technologies Ltd.
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Current Assets 303 M
Cash & Short-Term Investments 189 M
Receivables 79.5 M
Other Current Assets 34.9 M
Non-Current Assets 905 M
Long-Term Investments 714 M
PP&E 97.3 M
Other Non-Current Assets 93.4 M
Current Liabilities 74.9 M
Accounts Payable 1.29 M
Short-Term Debt 44.6 M
Other Current Liabilities 29 M
Non-Current Liabilities 393 M
Long-Term Debt 368 M
Other Non-Current Liabilities 25.5 M
EFFICIENCY
Earnings Waterfall Pagaya Technologies Ltd.
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Revenue 773 M
Cost Of Revenue 509 M
Gross Profit 264 M
Operating Expenses 328 M
Operating Income -24.4 M
Other Expenses 104 M
Net Income -128 M
RATIOS
34.14% GROSS MARGIN
34.14%
-3.16% OPERATING MARGIN
-3.16%
-16.62% NET MARGIN
-16.62%
-22.95% ROE
-22.95%
-10.63% ROA
-10.63%
-2.88% ROIC
-2.88%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Pagaya Technologies Ltd.
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Net Income -128 M
Depreciation & Amortization 19.1 M
Capital Expenditures -20.2 M
Stock-Based Compensation 71.1 M
Change in Working Capital -25.5 M
Others 48.3 M
Free Cash Flow -10.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Pagaya Technologies Ltd.
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Wall Street analysts predict an average 1-year price target for PGY of $15.8 , with forecasts ranging from a low of $1.25 to a high of $25 .
PGY Lowest Price Target Wall Street Target
1.25 USD -85.81%
PGY Average Price Target Wall Street Target
15.8 USD 79.25%
PGY Highest Price Target Wall Street Target
25 USD 183.77%
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Pagaya Technologies Ltd.
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Sold
0-3 MONTHS
5.99 M USD 6
3-6 MONTHS
1.27 M USD 7
6-9 MONTHS
198 K USD 2
9-12 MONTHS
0 USD 0
Bought
248 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
2.01 M USD 6
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
6 days ago
Nov 11, 2024
Sell 2.32 M USD
Yulzari Yahav
Chief Business Officer
- 150000
15.4986 USD
6 days ago
Nov 11, 2024
Sell 2.33 M USD
Pardo Avital
Chief Technology Officer
- 150000
15.5011 USD
6 days ago
Nov 11, 2024
Sell 419 K USD
Rosen Tami
Chief Development Officer
- 27676
15.1476 USD
1 week ago
Nov 06, 2024
Sell 91.9 K USD
Rosen Tami
Chief Development Officer
- 7659
12 USD
2 weeks ago
Nov 01, 2024
Sell 92.2 K USD
Rosen Tami
Chief Development Officer
- 7966
11.57 USD
2 weeks ago
Oct 31, 2024
Sell 212 K USD
Rosen Tami
Chief Development Officer
- 17570
12.0611 USD
1 month ago
Oct 17, 2024
Sell 126 K USD
DAS SANJIV
President
- 10683
11.77 USD
1 month ago
Oct 11, 2024
Sell 1.44 K USD
Kim Nam Woo
See Remarks
- 133
10.83 USD
1 month ago
Sep 30, 2024
Bought 248 K USD
Yulzari Yahav
Chief Business Officer
+ 23600
10.5157 USD
1 month ago
Oct 02, 2024
Sell 1.69 K USD
Kim Nam Woo
See Remarks
- 171
9.9 USD
1 month ago
Oct 02, 2024
Sell 23.1 K USD
Perros Evangelos
Chief Financial Officer
- 2336
9.9 USD
1 month ago
Oct 02, 2024
Sell 289 K USD
Rosen Tami
Chief Development Officer
- 29240
9.9 USD
1 month ago
Oct 02, 2024
Sell 79.4 K USD
DAS SANJIV
President
- 8022
9.9 USD
3 months ago
Aug 01, 2024
Sell 328 K USD
Perros Evangelos
Chief Financial Officer
- 24171
13.55 USD
4 months ago
Jul 01, 2024
Sell 22.4 K USD
Perros Evangelos
Chief Financial Officer
- 1750
12.81 USD
4 months ago
Jul 16, 2024
Sell 157 K USD
DAS SANJIV
President
- 10794
14.57 USD
7 months ago
Apr 16, 2024
Sell 143 K USD
DAS SANJIV
President
- 14452
9.92 USD
4 months ago
Jul 01, 2024
Sell 12.5 K USD
Bower Scott
Deputy Chief Financial Officer
- 978
12.81 USD
3 months ago
Jul 31, 2024
Sell 118 K USD
Rosen Tami
Chief Development Officer
- 8025
14.7 USD
6 months ago
Apr 30, 2024
Sell 54.3 K USD
Rosen Tami
Chief Development Officer
- 5655
9.6 USD
3 months ago
Aug 15, 2024
Sell 28.8 K USD
Torraco Nicole
Director
- 2371
12.151 USD
3 months ago
Aug 09, 2024
Sell 184 K USD
Pardo Avital
Chief Technology Officer
- 11601
15.8253 USD
3 months ago
Aug 09, 2024
Sell 184 K USD
Yulzari Yahav
Chief Revenue Officer
- 11662
15.7816 USD
3 months ago
Jul 23, 2024
Sell 3.12 K USD
Pardo Avital
Chief Technology Officer
- 200
15.61 USD
4 months ago
Jun 25, 2024
Sell 137 K USD
Perros Evangelos
Chief Financial Officer
- 11293
12.1461 USD
4 months ago
Jun 20, 2024
Sell 57.1 K USD
Torraco Nicole
Director
- 4743
12.0383 USD
6 months ago
May 16, 2024
Sell 37.5 K USD
Bower Scott
Deputy Chief Financial Officer
- 3155
11.9 USD
7 months ago
Apr 05, 2024
Bought 240 K USD
DAS SANJIV
President
+ 22727
10.5749 USD
7 months ago
Apr 05, 2024
Bought 105 K USD
Rosen Tami
Chief People Officer
+ 10000
10.4723 USD
7 months ago
Apr 04, 2024
Bought 311 K USD
Zeevi Avi
Director
+ 30000
10.3526 USD
7 months ago
Apr 03, 2024
Bought 610 K USD
Yulzari Yahav
Chief Revenue Officer
+ 60000
10.1677 USD
7 months ago
Apr 04, 2024
Bought 399 K USD
Pardo Avital
Chief Technology Officer
+ 38480
10.3595 USD
7 months ago
Apr 04, 2024
Bought 348 K USD
Krubiner Gal
Chief Executive Officer
+ 33600
10.3592 USD
7. News
Pagaya Technologies: I'm Still Bearish, Sell I believe Pagaya Technologies is overvalued, with negligible free cash flow and a balance sheet riddled with restrictions, making it a sell. Despite Pagaya's earnings, EBITDA, and cash flow, its free cash flow remains minimal, raising concerns about its financial health. PGY's share count increased by 12% y/y while revenues grew by 21% y/y, puzzling investors about the company's true value. seekingalpha.com - 2 days ago
Wall Street Analysts Think Pagaya Technologies Ltd. (PGY) Could Surge 110.39%: Read This Before Placing a Bet The mean of analysts' price targets for Pagaya Technologies Ltd. (PGY) points to an 110.4% upside in the stock. zacks.com - 3 days ago
Pagaya Technologies: Completely Overdone Pagaya Technologies Ltd. is a fintech company leveraging AI and data analytics to enhance consumer credit and real estate solutions, showing significant growth despite recent stock volatility. The company reported a record Q3 revenue of $257 million, driven by a 24% increase in fee revenue and 11% network volume growth. Despite a net loss due to non-cash items, Pagaya achieved a record adjusted EBITDA of $56 million, with a margin surge to 21.8%. seekingalpha.com - 4 days ago
Pagaya Technologies Ltd. (PGY) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for Pagaya Technologies Ltd. (PGY) give a sense of how the business performed in the quarter ended September 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 4 days ago
Pagaya Technologies Ltd. (PGY) Q3 2024 Earnings Call Transcript Pagaya Technologies Ltd. (NASDAQ:PGY ) Q3 2024 Earnings Conference Call November 12, 2024 8:30 AM ET Company Participants Josh Fagen - Head of Investor Relations Gal Krubiner - Chief Executive Officer Sanjiv Das - President Evangelos Perros - Chief Financial Officer Conference Call Participants Joseph Vafi - Canaccord Genuity Mark Palmer - Benchmark John Hecht - Jefferies Steven Kwok - KBW David Scharf - Citizens JMP Hal Goetsch - B. seekingalpha.com - 4 days ago
Pagaya Technologies Ltd. (PGY) Surpasses Q3 Earnings and Revenue Estimates Pagaya Technologies Ltd. (PGY) came out with quarterly earnings of $0.44 per share, beating the Zacks Consensus Estimate of $0.25 per share. zacks.com - 4 days ago
Pagaya Reports Third Quarter and Nine Months Ended 2024 Results NEW YORK & TEL AVIV, Israel--(BUSINESS WIRE)--Pagaya Technologies Ltd. (NASDAQ: PGY) (“Pagaya”, the “Company” or “we”), a global technology company delivering artificial intelligence infrastructure for the financial ecosystem, today announced financial results for the third quarter and nine months ended 2024. For additional information, view Pagaya's third quarter 2024 letter to shareholders here. "We delivered another set of strong results, with a laser-focus on profitable, sustainable growth,. businesswire.com - 4 days ago
Pagaya Technologies Ltd. (PGY) Soars 12.4%: Is Further Upside Left in the Stock? Pagaya Technologies Ltd. (PGY) saw its shares surge in the last session with trading volume being higher than average. zacks.com - 5 days ago
Why Fast-paced Mover Pagaya Technologies Ltd. (PGY) Is a Great Choice for Value Investors If you are looking for stocks that have gained strong momentum recently but are still trading at reasonable prices, Pagaya Technologies Ltd. (PGY) could be a great choice. zacks.com - 1 week ago
Pagaya Raises $1 Billion Across Two New Personal Loan and Auto ABS Deals, Signaling Strong Capital Markets Demand NEW YORK--(BUSINESS WIRE)--Pagaya Technologies LTD. (NASDAQ: PGY) ("Pagaya" or “the Company”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced the closing of PAID 2024-10 and RPM 2024-3, totaling $1 billion in size across both deals. This represents the Company's fourth AAA-rated personal loan ABS transaction and its first AA-rated auto ABS transaction. A total of 28 unique investors participated across these two transactions, the. businesswire.com - 1 week ago
Why Pagaya Technologies Ltd. (PGY) Outpaced the Stock Market Today The latest trading day saw Pagaya Technologies Ltd. (PGY) settling at $11.68, representing a +1.39% change from its previous close. zacks.com - 2 weeks ago
1 Artificial Intelligence (AI) Stock That Has 200% Upside According to 1 Wall Street Analyst This disruptive tech stock is making waves in the financial industry. fool.com - 2 weeks ago
8. Profile Summary

Pagaya Technologies Ltd. PGY

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COUNTRY IL
INDUSTRY Software - Infrastructure
MARKET CAP $ 642 M
Dividend Yield 0.00%
Description Pagaya Technologies Ltd. operates as a financial technology company in Israel, the United States, and the Cayman Islands. It develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include high-growth financial technology companies, incumbent financial institutions, auto finance providers, and brokers. The company was founded in 2016 and is headquartered in Tel Aviv, Israel.
Contact Azrieli Sarona Building, Tel Aviv, 6701203 https://www.pagaya.com
IPO Date April 21, 2021
Employees 534
Officers Mr. Yahav Yulzari Chief Revenue Officer, Co-Founder & Director Mr. Gal Krubiner Chief Executive Officer, Co-Founder & Director Mr. Avital Pardo Chief Technology Officer, Co-Founder & Director Mr. Ralph Lok Fu Leung Chief Operating Officer & Chief Commercial Officer Mr. Edward John Mallon Chief Investment Officer Mr. Evangelos Perros Chief Financial Officer Mr. Sanjiv Das President Mr. Nam Woo Kim Principal Accounting Officer and Vice President of Accounting & Financial Reporting Mr. Josh Fagen Head of Investor Relations & Chief Operating Officer of Finance Ms. Tami Rosen Chair of Advisory Board, Chief Development Officer & Director