PGY

Pagaya Technologies Ltd

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Advanced Chart

28.670

-1.95(-6.368%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

33.040

Open

32.200

VWAP

29.49

Vol

5.97M

Mkt Cap

2.20B

Low

28.380

Amount

175.93M

EV/EBITDA(TTM)

26.45

Total Shares

70.90M

3.02B

EV/OCF(TTM)

24.66

P/S(TTM)

2.07

Pagaya Technologies Ltd is an Israel-based company. It is primarily engaged in financial technology (FinTech) industry. The Company develops data science, machine learning and AI technology (Artificial Intelligence) analytics, enabling accurate, real-time customer credit assessments. Company's customers are lending companies that, by connecting to the AI Pagaya network, have the opportunity to discover and approve new customers that meet their credit criteria. Thanks to the Company's solutions, its customers gains a customer without undue risk. Pagaya Technologies Ltd delivers technology that provides loan assistance such as personal, car and credit card loans. The Company serves its clients all over the world.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

333.37M

+14.96%

0.667

-3.27%

352.59M

+26.2%

0.681

+300.7%

323.50M

+25.76%

0.599

+36.12%

Estimates Revision

The market is revising Upward the revenue expectations for Pagaya Technologies Ltd. (PGY) for FY2025, with the revenue forecasts being adjusted by 2.76% over the past three months. During the same period, the stock price has changed by 96.64%.

Revenue Estimates for FY2025

Revise Upward

+2.76%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+10.63%

In Past 3 Month

Stock Price

Go Up

+96.64%

In Past 3 Month

9 Analyst Rating

14.13% Upside

Wall Street analysts forecast PGY stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PGY is 32.72 USD with a low forecast of 13.75 USD and a high forecast of 46.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

8 Buy

1 Hold

0 Sell

Strong Buy

14.13% Upside

Current: 28.670

Low

13.75

Averages

32.72

High

46.00

14.13% Upside

Current: 28.670

Low

13.75

Averages

32.72

High

46.00

Citi

Buy

upgrade

$40

2025-07-21

Reason

Citi

Price Target

$40

2025-07-21

upgrade

Buy

Reason

Citi raised the firm's price target on Pagaya to $40 from $16.50 and keeps a Buy rating on the shares. The firm cites higher network growth assumptions on better private credit momentum for the target increase. Pagaya remains Citi's top pick in the lending technology group.

Benchmark

analyst

Buy

maintain

$25 -> $42

2025-07-18

Reason

Benchmark

analyst

Price Target

$25 -> $42

2025-07-18

maintain

Buy

Reason

Benchmark raised the firm's price target on Pagaya to $42 from $25 and keeps a Buy rating on the shares. Improved sentiment had been based primarily on the strength of the company's Q1 report, but many investors were still looking for affirmation that Pagaya was poised for sustained profitable growth and the company's preliminary Q2 operating results that were better-than- expected across the board "clearly provided the validation that many had been seeking," the analyst says.

Citizens JMP

David Scharf

Outperform

maintain

$20 -> $26

2025-06-24

Reason

Citizens JMP

David Scharf

Price Target

$20 -> $26

2025-06-24

maintain

Outperform

Reason

Citizens JMP analyst David Scharf raised the firm's price target on Pagaya to $26 from $20 and keeps an Outperform rating on the shares. Pagaya's "exceptional" unit economics and operating leverage is translating into very strong EBITDA margins, and its B2B2C model that integrates directly into other lenders' platforms for underwriting turn-downs allows it to grow by step functions by adding new lenders, enjoys barriers to entry with these partners, the analyst tells investors in a research note. By already achieving a measure of scale in auto and point-of-sale, Pagaya has demonstrated its ability to diversify beyond personal loans, the firm argues.

Stephens

Kyle Joseph

Overweight

initiated

$22

2025-06-11

Reason

Stephens

Kyle Joseph

Price Target

$22

2025-06-11

initiated

Overweight

Reason

Stephens analyst Kyle Joseph initiated coverage of Pagaya with an Overweight rating and $22 price target. The firm recommends specialty finance stocks with "funding advantages and superior customer-acquisition models," saying these companies are the most insulated from economic downturns and heightened competition. Pagaya enables lenders to sustain relationships with customers they would normally turn down, while simultaneously offloading the credit risk to third-partie, the analyst tells investors in a research note. Stephens like Pagaya's "unique model, vast addressable markets, value proposition to the lender and growth prospects."

Citizens Capital Markets

David Scharf

Hold

Reiterates

$26

2025-03-25

Reason

Citizens Capital Markets

David Scharf

Price Target

$26

2025-03-25

Reiterates

Hold

Reason

Last week it was announced that Klarna (KLAR) will displace Affirm (AFRM) as the provider of POS installment loans through Walmart's (WMT) OnePay digital wallet offering, Citizens JMP analyst David Scharf tells investors in a research note. The firm says Pagaya (PGY) has emerged from this development as an "unambiguous winner," because as the white-labeled underwriter of Klarna's three-month and longer installment loans for Klarna, the Walmart business represents a significant tailwind, and the company also stands to benefit from Klarna's further push into longer-duration loan products within the U.S. Citizens reiterated its Outperform rating and $26 price target on Pagaya shares.

B. Riley Securities

Hal Goetsch

Strong Buy

Maintains

$36

2025-03-17

Reason

B. Riley Securities

Hal Goetsch

Price Target

$36

2025-03-17

Maintains

Strong Buy

Reason

Buy Now Pay Later provider Klarna (KLAR) on Monday announced that it will become Walmart's (WMT) exclusive provider of BNPL services, replacing current BNPL provider Affirm (AFRM), B. Riley analyst Hal Goetsch tells investors in a research note. Klarna is Pagaya's (PGY) leading logo/customer in BNPL, the firm says, adding that it believes that the Klarna/Walmart partnership will bring new application flow to Pagaya at very little, if any, incremental cost. The firm, which reiterates a Buy rating and $36 price target on Pagaya shares, thinks Pagaya is well-positioned to grow efficiently in 2025 and 2026.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Pagaya Technologies Ltd (PGY.O) is 10.56, compared to its 5-year average forward P/E of -43.26. For a more detailed relative valuation and DCF analysis to assess Pagaya Technologies Ltd 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

N/A

5Y Average PE

-43.26

Current PE

10.56

Overvalued PE

133.90

Undervalued PE

-220.42

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

-24.64

Current EV/EBITDA

8.23

Overvalued EV/EBITDA

109.36

Undervalued EV/EBITDA

-158.64

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A

5Y Average PS

1.51

Current PS

1.70

Overvalued PS

4.74

Undervalued PS

-1.71