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Technology - Software - Infrastructure - NASDAQ - IL
$ 10.41
-2.35 %
$ 784 M
Market Cap
-1.84
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one PGY stock under the worst case scenario is HIDDEN Compared to the current market price of 10.4 USD, Pagaya Technologies Ltd. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one PGY stock under the base case scenario is HIDDEN Compared to the current market price of 10.4 USD, Pagaya Technologies Ltd. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one PGY stock under the best case scenario is HIDDEN Compared to the current market price of 10.4 USD, Pagaya Technologies Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart PGY

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$17.0$17.0$16.0$16.0$15.0$15.0$14.0$14.0$13.0$13.0$12.0$12.0$11.0$11.0$10.0$10.0$9.0$9.0$8.0$8.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 Mar
FINANCIALS
1.03 B REVENUE
33.57%
66.8 M OPERATING INCOME
373.93%
-401 M NET INCOME
100.00%
66.5 M OPERATING CASH FLOW
594.58%
-499 M INVESTING CASH FLOW
-20.83%
437 M FINANCING CASH FLOW
51.05%
276 M REVENUE
10.58%
31.7 M OPERATING INCOME
41.79%
-257 M NET INCOME
-177.78%
32.1 M OPERATING CASH FLOW
2231.85%
-36 M INVESTING CASH FLOW
68.51%
48.8 M FINANCING CASH FLOW
91.51%
Balance Sheet Pagaya Technologies Ltd.
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Current Assets 351 M
Cash & Short-Term Investments 188 M
Receivables 0
Other Current Assets 164 M
Non-Current Assets 940 M
Long-Term Investments 756 M
PP&E 74.8 M
Other Non-Current Assets 108 M
14.56 %12.67 %58.58 %5.80 %8.40 %Total Assets$1.3b
Current Liabilities 195 M
Accounts Payable 6.99 M
Short-Term Debt 30.7 M
Other Current Liabilities 158 M
Non-Current Liabilities 580 M
Long-Term Debt 334 M
Other Non-Current Liabilities 246 M
3.95 %20.36 %43.10 %31.68 %Total Liabilities$775.3m
EFFICIENCY
Earnings Waterfall Pagaya Technologies Ltd.
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Revenue 1.03 B
Cost Of Revenue 598 M
Gross Profit 435 M
Operating Expenses 368 M
Operating Income 66.8 M
Other Expenses 468 M
Net Income -401 M
1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)(400m)(400m)(600m)(600m)1b(598m)435m(368m)67m(468m)(401m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
42.10% GROSS MARGIN
42.10%
6.48% OPERATING MARGIN
6.48%
-38.89% NET MARGIN
-38.89%
-122.95% ROE
-122.95%
-31.09% ROA
-31.09%
6.28% ROIC
6.28%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Pagaya Technologies Ltd.
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80m80m60m60m40m40m20m20m00(20m)(20m)(40m)(40m)(60m)(60m)(80m)(80m)202020202021202120222022202320232024202420252025
Net Income -401 M
Depreciation & Amortization 28.8 M
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 2.09 M
Others 66.5 M
Free Cash Flow 66.5 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 -87.99%
PGY Average Price Target Wall Street Target
15.8 USD 51.70%
PGY Highest Price Target Wall Street Target
25 USD 140.15%
Price
Max Price Target
Min Price Target
Average Price Target
25252020151510105500May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 12
6. Ownership
Insider Ownership Pagaya Technologies Ltd.
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Sold
0-3 MONTHS
1.26 M USD 3
3-6 MONTHS
6.01 M USD 7
6-9 MONTHS
1.04 M USD 7
9-12 MONTHS
429 K USD 5
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
248 K USD 1
6-9 MONTHS
2.01 M USD 6
9-12 MONTHS
7. News
Pagaya Closes New AAA-Rated $500 Million Consumer Loan ABS Deal 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 a $500 million AAA-rated personal loan ABS transaction (PAID 2025-2). Since 2018, Pagaya has raised over $27 billion across 67 ABS transactions to fund loan originations across multiple products, including personal loan and auto. “As the leading ABS issuer of personal loans in. businesswire.com - 3 weeks ago
KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2025-2 and Pagaya AI Debt Trust 2025-2 NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to 11 classes of notes issued by Pagaya AI Debt Grantor Trust 2025-2 and Pagaya AI Debt Trust 2025-2 (collectively “PAID 2025-2”), an unsecured consumer loan ABS transaction. PAID 2025-2 has initial hard credit enhancement levels of 84.75% for the Class A-1 Notes to 3.36% for the Class F Notes. Credit enhancement is comprised of overcollateralization, subordination (except for the Class F Notes), a cash reserve account funded at closin. businesswire.com - 1 month ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Pagaya Technologies Ltd. - PGY NEW YORK, NY / ACCESS Newswire / March 1, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Pagaya Technologies Ltd ("Pagaya" or the "Company") (NASDAQ:PGY). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 1 month ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Pagaya Technologies Ltd. - PGY NEW YORK, NY / ACCESS Newswire / February 27, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Pagaya Technologies Ltd ("Pagaya" or the "Company") (NASDAQ:PGY). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 1 month ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Pagaya Technologies Ltd. - PGY NEW YORK , Feb. 25, 2025 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of  Pagaya Technologies Ltd ("Pagaya" or the "Company") (NASDAQ: PGY). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. prnewswire.com - 1 month ago
Pagaya: Is It Safe To Get In This Water Pagaya's recent results and strong 2025 outlook hinge on ending write-offs and impairment charges, with management confident in improved visibility and reduced future impairments. Pagaya's AI-driven sub-prime lending model, despite past transparency issues and significant impairment charges, shows promise with improved credit standards and a diverse range of lending partners. The company's strategic partnerships and capital efficiency measures, including reduced reliance on ABS sales, position it for sustainable growth and profitability from Q2 2025. seekingalpha.com - 1 month ago
Pagaya: Severely Undervalued Despite Improving Business Performance Pagaya reported record network volume, take rate, FRLPC margin, and adjusted EBITDA in Q4 2024, a testament to the quality of its product. By taking a final impairment loss on vintage loans spanning 2021 through 2023, Pagaya can now showcase the quality of its business model by growing its profitability. Pagaya is actively diversifying its funding sources away from ABS issuances to reduce its risk exposure, which could see it exit FY 2025 at a retention rate near 3%. seekingalpha.com - 1 month ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Pagaya Technologies Ltd. - PGY NEW YORK, NY / ACCESS Newswire / February 21, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Pagaya Technologies Ltd ("Pagaya" or the "Company") (NASDAQ:PGY). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 1 month ago
Pagaya's AI-Powered Ascent: A Fintech Force To Watch Pagaya Technologies Ltd. is a fintech company leveraging AI to enhance financial services, showing impressive revenue growth and profitability but facing funding cost unpredictability and competitive pressures. The company's profitability has surged, with adjusted EBITDA up 88% YoY in Q4 and 156% for the year, indicating efficient scaling. Institutional funding and strategic partnerships are key to Pagaya's expansion, though reliance on institutional capital poses liquidity risks in volatile credit markets. seekingalpha.com - 1 month ago
Better Stock to Buy: Upstart vs. Pagaya Upstart Holdings (UPST -4.35%) and Pagaya Technologies (PGY -2.65%) offer similar consumer credit evaluation products, using artificial intelligence (AI) to assess credit risk faster and with more accuracy than the traditional credit scoring model. They both released excellent earnings reports last week, and their stocks jumped accordingly. fool.com - 1 month ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Pagaya Technologies Ltd. - PGY NEW YORK, NY / ACCESS Newswire / February 19, 2025 / Pomerantz LLP is investigating claims on behalf of investors of Pagaya Technologies Ltd ("Pagaya" or the "Company") (NASDAQ:PGY). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. accessnewswire.com - 1 month ago
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Pagaya Technologies Ltd. - PGY NEW YORK , Feb. 18, 2025 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of  Pagaya Technologies Ltd ("Pagaya" or the "Company") (NASDAQ: PGY). Such investors are advised to contact Danielle Peyton at newaction@pomlaw.com or 646-581-9980, ext. prnewswire.com - 1 month ago
8. Profile Summary

Pagaya Technologies Ltd. PGY

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COUNTRY IL
INDUSTRY Software - Infrastructure
MARKET CAP $ 784 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 553
Officers Mr. Evangelos Perros Chief Financial Officer Mr. Cory Vieira Chief Accounting Officer & Principal Accounting Officer Ms. Tami Rosen Chair of Strategic Advisory Board, Chief Development Officer & Director Mr. Edward John Mallon Chief Investment Officer Mr. Sanjiv Das President Mr. Avital Pardo Chief Technology Officer, Co-Founder & Director Mr. Gal Krubiner Chief Executive Officer, Co-Founder & Director Mr. Josh Fagen Head of Investor Relations & Chief Operating Officer of Finance Mr. Yahav Yulzari Chief Revenue Officer, Co-Founder & Director Mr. Ralph Lok Fu Leung Chief Operating Officer & Chief Commercial Officer