Should I Buy PGY? PGY 2026 Analysis

Should You Buy Pagaya Technologies Ltd (PGY) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

20.150

1 Day change

-4.37%

52 Week Range

44.990

Analysis Updated At

2026/01/26

Pagaya Technologies Ltd (PGY) does not present a strong buy opportunity for a beginner, long-term investor at this time. The technical indicators are bearish, options data suggests neutral sentiment, and the company's financial performance shows declining net income and EPS despite revenue growth. Analyst ratings remain positive but have slightly lowered price targets. Given the lack of strong positive catalysts and the absence of Intellectia Proprietary Trading Signals, it is best to hold off on investing in PGY for now.

Technical Analysis

The technical indicators for PGY are bearish. The MACD is negative and contracting, RSI is neutral at 39.888, and moving averages indicate a bearish trend (SMA_200 > SMA_20 > SMA_5). The stock is trading near its support level (S1: 21.106), with resistance levels at R1: 25.828 and R2: 27.286.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Options data shows a neutral sentiment with a Put-Call ratio below 1, indicating more call interest than put interest. Implied volatility is high (98.83), suggesting potential price swings.

Technical Summary

Sell

Buy

Positive Catalysts

Revenue growth of 36.35% YoY in Q3 2025 and gross margin improvement to 40.99%. Analysts maintain positive ratings with an Outperform and Buy recommendation.

Neutral/Negative Catalysts

Net income dropped significantly (-131.55% YoY) and EPS declined (-124.73% YoY). Technical indicators are bearish, and there is no recent news or significant insider/hedge fund activity to act as a catalyst.

Financial Performance

In Q3 2025, revenue increased by 36.35% YoY to $339.89M, but net income dropped by -131.55% YoY to $21.29M, and EPS fell by -124.73% YoY to $0.23. Gross margin improved slightly to 40.99%.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Analysts maintain positive ratings but have slightly adjusted price targets. Keefe Bruyette lowered the price target to $35 from $38, while Canaccord raised it to $39 from $36, citing improved credit performance and diversification in lending sources.

6 Analyst Rating

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 43.33 USD with a low forecast of 35 USD and a high forecast of 54 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.

6 Buy

0 Hold

0 Sell

Strong Buy

Current: 21.070

Low

Averages

43.33

High

Current: 21.070

Low

Averages

43.33

High

Keefe Bruyette

Outperform

NULL

downgrade

$38 -> $35

AI Analysis

2026-01-02

Reason

Keefe Bruyette

Price Target

$38 -> $35

AI Analysis

2026-01-02

downgrade

Outperform

NULL

Reason

Keefe Bruyette lowered the firm's price target on Pagaya to $35 from $38 and keeps an Outperform rating on the shares. The firm adjusted price targets in consumer finance and payments groups.

Canaccord

Buy

maintain

$36 -> $39

2025-11-11

Reason

Canaccord

Price Target

$36 -> $39

2025-11-11

maintain

Buy

Reason

Canaccord raised the firm's price target on Pagaya to $39 from $36 and keeps a Buy rating on the shares. The firm believes Pagaya sits near a real inflection point as more big lenders are joining the platform, monetization of network volume expands, loan portfolios improve in credit performance, and lending sources diversify.

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PGY Should I Buy

PGY Should I Buy

Should You Buy Pagaya Technologies Ltd (PGY) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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