PGY

Pagaya Technologies Ltd

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Advanced Chart

14.490

-0.570(-3.780%)

Overview
Forecast
Valuation

Line

Candle

YTD

High

15.050

Open

14.470

VWAP

14.80

Vol

264.10K

Mkt Cap

1.14B

Low

14.470

Amount

3.91M

EV/EBITDA(TTM)

15.54

Total Shares

70.90M

1.77B

EV/OCF(TTM)

21.98

P/S(TTM)

1.05

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

FY2025Q4

FY2025Q3

FY2025Q2

335.24M

+19.99%

0.577

+239.66%

308.34M

+19.87%

0.525

+19.41%

299.07M

+19.46%

0.573

+473.3%

Estimates Revision

The market is revising No Change the revenue expectations for Pagaya Technologies Ltd. (PGY) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by -14.51%.

Revenue Estimates for FY2025

No Change

0.00%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+0.37%

In Past 3 Month

Stock Price

Go Down

-14.51%

In Past 3 Month

8 Analyst Rating

41.96% 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 20.57 USD with a low forecast of 12.50 USD and a high forecast of 26.00 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.

7 Buy

1 Hold

0 Sell

Strong Buy

41.96% Upside

Current: 14.490

Low

12.50

Averages

20.57

High

26.00

41.96% Upside

Current: 14.490

Low

12.50

Averages

20.57

High

26.00

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.

Benchmark

Mark Palmer

Strong Buy

Reiterates

$25

2025-03-17

Reason

Benchmark

Mark Palmer

Price Target

$25

2025-03-17

Reiterates

Strong Buy

Reason

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.

JMP Securities

David Scharf

Buy

Maintains

$25 → $26

2025-02-14

Reason

JMP Securities

David Scharf

Price Target

$25 → $26

2025-02-14

Maintains

Buy

Reason

JMP Securities raised the firm's price target on Pagaya to $26 from $25 and keeps an Outperform rating on the shares. Pagay's initial 2025 guidance, along with management's continued conviction that they are past most, if not all, major credit impairments, led to more confidence in the company's growth trajectory, margin expansion, and transition to GAAP profitability, the analyst tells investors in a research note.

Canaccord Genuity

Joseph Vafi

Strong Buy

Maintains

$25

2025-02-13

Reason

Canaccord Genuity

Joseph Vafi

Price Target

$25

2025-02-13

Maintains

Strong Buy

Reason

Citigroup

Peter Christiansen

Hold

Strong Buy

Upgrades

$13 → $15

2025-02-07

Reason

Citigroup

Peter Christiansen

Price Target

$13 → $15

2025-02-07

Upgrades

Hold

Strong Buy

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Pagaya Technologies Ltd (PGY.O) is 6.67, compared to its 5-year average forward P/E of -46.08. 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

-46.08

Current PE

6.67

Overvalued PE

135.35

Undervalued PE

-227.52

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

-26.58

Current EV/EBITDA

5.54

Overvalued EV/EBITDA

111.22

Undervalued EV/EBITDA

-164.38

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

1.52

Current PS

0.89

Overvalued PS

4.85

Undervalued PS

-1.80