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Technology - Software - Infrastructure - NASDAQ - IL
$ 9.4802
-1.56 %
$ 698 M
Market Cap
-3.67
P/E
1. INTRINSIC VALUE

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

The intrinsic value of one PGY stock under the worst case scenario is HIDDEN Compared to the current market price of 9.48 USD, Pagaya Technologies Ltd. is HIDDEN

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

The intrinsic value of one PGY stock under the base case scenario is HIDDEN Compared to the current market price of 9.48 USD, Pagaya Technologies Ltd. is HIDDEN

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

The intrinsic value of one PGY stock under the best case scenario is HIDDEN Compared to the current market price of 9.48 USD, Pagaya Technologies Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS
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%
249 M REVENUE
2.76%
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%
25.5 M FINANCING CASH FLOW
-60.01%
Balance Sheet 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 741 M
PP&E 97.3 M
Other Non-Current Assets 67 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%
-2.25% ROIC
-2.25%
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 -86.81%
PGY Average Price Target Wall Street Target
15.8 USD 66.58%
PGY Highest Price Target Wall Street Target
25 USD 163.71%
4. DIVIDEND ANALYSIS
5. COMPETITION
6. Ownership
Insider Ownership Pagaya Technologies Ltd.
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Sold
0-3 MONTHS
6.04 M USD 6
3-6 MONTHS
1.36 M USD 7
6-9 MONTHS
481 K USD 6
9-12 MONTHS
143 K USD 1
Bought
0 USD 0
0-3 MONTHS
248 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
2.01 M USD 6
9-12 MONTHS
Date Value Insider Amount Avg Price
2 weeks ago
Jan 17, 2025
Sell 64.4 K USD
DAS SANJIV
President
- 7282
8.85 USD
4 weeks ago
Jan 02, 2025
Sell 215 K USD
Rosen Tami
Chief Development Officer
- 21547
9.97 USD
4 weeks ago
Jan 02, 2025
Sell 212 K USD
Perros Evangelos
Chief Financial Officer
- 21305
9.97 USD
4 weeks ago
Jan 02, 2025
Sell 63.2 K USD
DAS SANJIV
President
- 6343
9.97 USD
2 months ago
Nov 15, 2024
Sell 21.2 K USD
Torraco Nicole
Director
- 2371
8.9248 USD
2 months ago
Nov 11, 2024
Sell 2.32 M USD
Yulzari Yahav
Chief Business Officer
- 150000
15.4986 USD
2 months ago
Nov 11, 2024
Sell 2.33 M USD
Pardo Avital
Chief Technology Officer
- 150000
15.5011 USD
2 months ago
Nov 11, 2024
Sell 419 K USD
Rosen Tami
Chief Development Officer
- 27676
15.1476 USD
2 months ago
Nov 06, 2024
Sell 91.9 K USD
Rosen Tami
Chief Development Officer
- 7659
12 USD
3 months ago
Nov 01, 2024
Sell 92.2 K USD
Rosen Tami
Chief Development Officer
- 7966
11.57 USD
3 months ago
Oct 31, 2024
Sell 212 K USD
Rosen Tami
Chief Development Officer
- 17570
12.0611 USD
3 months ago
Oct 17, 2024
Sell 126 K USD
DAS SANJIV
President
- 10683
11.77 USD
3 months ago
Oct 11, 2024
Sell 1.44 K USD
Kim Nam Woo
See Remarks
- 133
10.83 USD
4 months ago
Sep 30, 2024
Bought 248 K USD
Yulzari Yahav
Chief Business Officer
+ 23600
10.5157 USD
4 months ago
Oct 02, 2024
Sell 1.69 K USD
Kim Nam Woo
See Remarks
- 171
9.9 USD
4 months ago
Oct 02, 2024
Sell 23.1 K USD
Perros Evangelos
Chief Financial Officer
- 2336
9.9 USD
4 months ago
Oct 02, 2024
Sell 289 K USD
Rosen Tami
Chief Development Officer
- 29240
9.9 USD
4 months ago
Oct 02, 2024
Sell 79.4 K USD
DAS SANJIV
President
- 8022
9.9 USD
6 months ago
Aug 01, 2024
Sell 328 K USD
Perros Evangelos
Chief Financial Officer
- 24171
13.55 USD
7 months ago
Jul 01, 2024
Sell 22.4 K USD
Perros Evangelos
Chief Financial Officer
- 1750
12.81 USD
6 months ago
Jul 16, 2024
Sell 157 K USD
DAS SANJIV
President
- 10794
14.57 USD
9 months ago
Apr 16, 2024
Sell 143 K USD
DAS SANJIV
President
- 14452
9.92 USD
7 months ago
Jul 01, 2024
Sell 12.5 K USD
Bower Scott
Deputy Chief Financial Officer
- 978
12.81 USD
6 months ago
Jul 31, 2024
Sell 118 K USD
Rosen Tami
Chief Development Officer
- 8025
14.7 USD
9 months ago
Apr 30, 2024
Sell 54.3 K USD
Rosen Tami
Chief Development Officer
- 5655
9.6 USD
5 months ago
Aug 15, 2024
Sell 28.8 K USD
Torraco Nicole
Director
- 2371
12.151 USD
5 months ago
Aug 09, 2024
Sell 184 K USD
Pardo Avital
Chief Technology Officer
- 11601
15.8253 USD
5 months ago
Aug 09, 2024
Sell 184 K USD
Yulzari Yahav
Chief Revenue Officer
- 11662
15.7816 USD
6 months ago
Jul 23, 2024
Sell 3.12 K USD
Pardo Avital
Chief Technology Officer
- 200
15.61 USD
7 months ago
Jun 25, 2024
Sell 137 K USD
Perros Evangelos
Chief Financial Officer
- 11293
12.1461 USD
7 months ago
Jun 20, 2024
Sell 57.1 K USD
Torraco Nicole
Director
- 4743
12.0383 USD
8 months ago
May 16, 2024
Sell 37.5 K USD
Bower Scott
Deputy Chief Financial Officer
- 3155
11.9 USD
9 months ago
Apr 05, 2024
Bought 240 K USD
DAS SANJIV
President
+ 22727
10.5749 USD
9 months ago
Apr 05, 2024
Bought 105 K USD
Rosen Tami
Chief People Officer
+ 10000
10.4723 USD
9 months ago
Apr 04, 2024
Bought 311 K USD
Zeevi Avi
Director
+ 30000
10.3526 USD
9 months ago
Apr 03, 2024
Bought 610 K USD
Yulzari Yahav
Chief Revenue Officer
+ 60000
10.1677 USD
9 months ago
Apr 04, 2024
Bought 399 K USD
Pardo Avital
Chief Technology Officer
+ 38480
10.3595 USD
9 months ago
Apr 04, 2024
Bought 348 K USD
Krubiner Gal
Chief Executive Officer
+ 33600
10.3592 USD
7. News
KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2025-1 and Pagaya AI Debt Trust 2025-1 NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to 11 classes of notes issued by Pagaya AI Debt Grantor Trust 2025-1 and Pagaya AI Debt Trust 2025-1 (collectively “PAID 2025-1”), an unsecured consumer loan ABS transaction. PAID 2025-1 has initial hard credit enhancement levels of 87.15% for the Class A-1 Notes to 3.25% 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 week ago
All You Need to Know About Pagaya Technologies Ltd. (PGY) Rating Upgrade to Buy Pagaya Technologies Ltd. (PGY) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 4 weeks ago
Pagaya: Worth The Risk? Waiting Until 2025 Pagaya Technologies leverages AI and machine learning to improve loan decision-making, aiming to enhance lender's customer acquisition and underwriting accuracy. Despite strong Q3 results, concerns remain due to significant impairment charges, weak Q4 guidance, and potential growth deceleration in 2025. The stock's valuation is cheap but justified given ongoing impairments, high delinquency rates, and uncertain profitability path, warranting a cautious stance. seekingalpha.com - 1 month ago
Pagaya Announces Appointment of Two Fintech Veterans as Independent Directors to its Board NEW YORK--(BUSINESS WIRE)--Pagaya Technologies Ltd. (“Pagaya”) (NASDAQ: PGY), a global technology company delivering artificial intelligence infrastructure for the financial ecosystem, announced today the appointment of two new independent directors to the Company's Board of Directors - Asheet Mehta and Alison Davis. “We are pleased to welcome Asheet Mehta and Alison Davis to Pagaya's Board,” said Gal Krubiner, Co-founder and CEO of Pagaya. “Both bring exceptional experience and depth of expert. businesswire.com - 1 month ago
Pagaya Technologies: My Top Stock Pick For 2025 Artificial intelligence is driving US equity markets, with application companies like Pagaya poised to benefit significantly, similar to the Internet revolution. Despite credit losses and geopolitical tensions, Pagaya is progressing towards GAAP profitability, with strong partnerships and market expansion set to fuel future growth. Pagaya is an absolute and relative bargain, presenting a compelling long-term investment opportunity compared to its peers. seekingalpha.com - 1 month ago
Pagaya Announces New $600 Million Consumer Loan ABS Deal, Underscoring Strong Momentum Ahead of 2025 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 $600 million AAA-rated personal loan ABS transaction (PAID 2024-11) and expects to close an additional $100 million pass-through transaction (PT 2024-2) next week. A total of 29 unique investors participated across these two new transactions, the majority of which were repea. businesswire.com - 1 month ago
Wall Street Analysts See a 102.5% Upside in Pagaya Technologies Ltd. (PGY): Can the Stock Really Move This High? The average of price targets set by Wall Street analysts indicates a potential upside of 102.5% in Pagaya Technologies Ltd. (PGY). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock. zacks.com - 1 month ago
KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2024-11 and Pagaya AI Debt Trust 2024-11 NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to nine classes of notes issued by Pagaya AI Debt Grantor Trust 2024-11 and Pagaya AI Debt Trust 2024-11 (collectively “PAID 2024-11”), an unsecured consumer loan ABS transaction. PAID 2024-11 has initial hard credit enhancement levels of 71.14% for the Class A Notes to 3.17% for the Class F Notes. Credit enhancement is comprised of overcollateralization, subordination (except for the Class F Notes), a cash reserve account funded at cl. businesswire.com - 1 month ago
4 AI-Powered Fintechs Revolutionizing the Future of Finance Artificial intelligence (AI) has been revolutionizing many sectors and industries enabling enhanced productivity and efficiencies. The computer and technology sector has been transformed with the AI boom as processing power continues to expand exponentially. marketbeat.com - 1 month ago
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 months 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 - 2 months 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 - 2 months ago
8. Profile Summary

Pagaya Technologies Ltd. PGY

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COUNTRY IL
INDUSTRY Software - Infrastructure
MARKET CAP $ 698 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. Evangelos Perros Chief Financial Officer Mr. Sanjiv Das President Mr. Cory Vieira Chief Accounting Officer & Principal Accounting Officer Mr. Gal Krubiner Chief Executive Officer, Co-Founder & Director Mr. Avital Pardo Chief Technology Officer, Co-Founder & Director Mr. Yahav Yulzari Chief Revenue Officer, Co-Founder & Director Ms. Tami Rosen Chair of Strategic Advisory Board, Chief Development Officer & Director Mr. Ralph Lok Fu Leung Chief Operating Officer & Chief Commercial Officer Mr. Edward John Mallon Chief Investment Officer Mr. Josh Fagen Head of Investor Relations & Chief Operating Officer of Finance