Pagaya Technologies Ltd.
Company & revenue
About Pagaya Technologies Ltd.
Financial breakdown: year ended 2025-12-31
Who they are
Pagaya Technologies Ltd. is a financial technology enterprise operating across Israel, the United States, and the Cayman Islands. The company specializes in developing and implementing its proprietary artificial intelligence systems and associated software platforms. These advanced solutions are designed to assist its diverse range of partners – including rapidly growing fintech companies, traditional financial institutions, auto finance providers, and brokers – in originating various loans and other financial assets.
Brands & revenue mix
Flagship product allowing partners to approve loan applications they would otherwise decline.
Separate brand revenue is not available in this research.Source
Product allowing real-time assessment of applications concurrently with partners.
Separate brand revenue is not available in this research.Source
Product that routes designated loan application segments to the network for evaluation.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Customer concentrationPREMIUM
As of the first quarter of 2025, Pagaya's lending partner base is moderately concentrated, with the top five partners accounting for approximately 61% of total network volume.
Business relationships & partnershipsPREMIUM
- Castlelake — A $1 billion consumer loan agreement focused on AI-driven financial innovations.Source
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
62
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
61
Fair
Financial Strength
38
Business Quality / Moat
84
Management
95
Growth Quality
50
Risk / Durability
19
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
79
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
78/100
Building Historical Record
Model Score 78/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Valuation scores attractively
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for PGY
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can PGY maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is PGY's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is PGY's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is PGY's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of PGY's score?
Essential Investment Snapshot
Wall Street Score
62
Opportunity Score
79
Market Cap
$1.50B
P/E Ratio
11.4
EPS
$1.50
52-Week High
$32.04
52-Week Low
$10.40
Beta
5.37
Intrinsic Value
$57.75
Analyst Target
$27.00
Shares Outstanding
83.1M
Total Revenue
$1.33B
Total Debt
$907.3M
Dividend
No current dividend
Liquidation Value / Share
$7.81
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Community Sentiment
0 active · 0 total callsNo personal call yet on PGY.
What the Bulls Say
- +Material partnership/catalyst: A $1 billion consumer loan agreement focused on AI-driven financial innovations.
- +Product opportunity: Pagaya Technologies Ltd. is a financial technology enterprise operating across Israel, the United States, and the Cayman Islands. The company specializes in developing and implementing its proprietary artificial intelligence systems and associated software platforms. These advanced solutions are designed to assist its diverse range of partners – including rapidly growing fintech companies, traditional financial institutions, auto finance providers, and brokers – in originating various loans and.
- +Positive free cash flow may provide capacity to invest in growth.
What the Bears Say
- −Diluted weighted-average shares increased 22.1% year over year.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
55
Jul 24, 2026
Change
+7.4
points
Current Score
62
Oct 1, 2026
Category Changes
PGY increased 7.4 points because Revenue improved by 4.4 points, Capital improved by 3 points, Management improved by 5 points.
Positive Contributors
- + Revenue improved by 4.4 points
- + Capital improved by 3 points
- + Management improved by 5 points
- + Moat improved by 25.9 points
- + Valuation improved by 18.3 points
- + Buffett improved by 7.8 points
Projected Score
Projected Score
70
Projected Change
+8.2%
Preliminary comparable-period financial changes suggest improvement of approximately 8.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$17.98
Intrinsic Value
$57.75
Difference
−$39.77
-68.9% vs IV
Margin of Safety
68.9%
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