PGY Should I Buy
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Pagaya Technologies Ltd (PGY) is not a strong buy at this moment for a beginner investor with a long-term focus. While the company has a solid AI-driven credit underwriting platform and some analysts view the current price as an attractive entry point, the recent financial performance, technical indicators, and lack of strong proprietary trading signals suggest a cautious approach. The stock's pre-market price increase of 0.63% is not enough to offset the broader concerns about growth and profitability.
The technical indicators are bearish. The MACD is below 0 and negatively contracting, the RSI is neutral at 23.776, and the moving averages are bearish (SMA_200 > SMA_20 > SMA_5). Key support is at 12.257, with resistance at 14.84. The stock is currently trading near its support level, indicating potential downside risk.
Some analysts believe the company's proactive credit tightening and conservative loan approvals create a buying opportunity. The company also reported growth in loan application volume and strong demand on the funding side in Q4 2025.
The stock has experienced a sharp selloff, and technical indicators remain bearish.
In Q4 2025, revenue increased by 16.46% YoY to $321.036 million. However, net income dropped by -114.41% YoY to $34.296 million, and EPS fell by -110.66% YoY to 0.34. Gross margin also declined by -4.25% YoY to 40.8%.
Analysts have lowered price targets across the board, with the current range between $22 and $33. Despite the lowered targets, most analysts maintain Buy or Outperform ratings, citing the company's long-term potential and recent conservative measures as positives.
