Pagaya Technologies (PGY) Stock Insights
PGY$20.29+0.52 +2.63%
$1.69B
Market Cap
12.59
P/E
12.25
Forward P/E
81
Score
Pagaya Technologies (PGY) Stock Insights
PGY price $20.29 +0.52 +2.63%
- Ticker
- PGY
- Price
- $20.29
- Change
- +0.52 +2.63%
- Market cap ?
- $1.69B
- P/E ?
- 12.59
- Forward P/E ?
- 12.25
- Dividend yield ?
- 0.00%
- Beta ?
- 5.52
- Sector
- Technology
- Industry
- Software - Infrastructure
- Stocklytics score
- 81
- Value
- 80
- Quality
- 73
- Growth
- 89
Stocklytics score rationale: value 80, quality 73, growth 89.
Financials
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 36141000 | 91740000 | 445866000 | 685414000 | 772814000 | 1004550000 | 1261341000 |
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…
Fair value
PGY fair value $59.76. Price $20.29. Price is 66% below fair value.
Below fair value, and cheaper than usual. A larger discount than on 92% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Starting free cash flow 85.80M. Growth 20.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 12.00% (beta 2.0). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 83.43M. Net debt 623.15M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the median P/E of the company's industry. That median uses listed stocks worth at least $10 billion with a positive P/E of 100 or below, and the industry needs at least eight of them. Otherwise the sector median is used when that group also has at least eight, then the market median of those large companies. The multiple used is the lower of that median and 1.25 times the stock's own 10-year median P/E, then kept between 8 and 30. If the stock has no 10-year median, the peer median is kept between 8 and 30. Fair value is the average of the cash-flow value and the earnings value when both exist. Card and credit companies use the earnings value only, because changes in customer receivables distort free cash flow. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Model uncertainty high for this stock
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-10-29 | — | 0.47 | — | 382.10M |
| 2026-07-30 | 0.49 | 0.32 | 387.04M | 356.02M |
| 2026-05-07 | 0.29 | 0.32 | 317.94M | 323.85M |
| 2026-02-09 | 0.36 | 0.34 | 334.81M | 349.40M |
| 2025-11-10 | 0.23 | 0.21 | 350.17M | 338.35M |
| 2025-08-07 | 0.20 | 0.47 | 326.40M | 316.95M |
| 2025-05-07 | 0.10 | 0.19 | 289.99M | 285.42M |
| 2025-02-13 | -3.20 | 0.15 | 279.39M | 264.34M |
| 2024-11-12 | -0.93 | -0.19 | 257.23M | 253.34M |
| 2024-08-09 | -1.04 | -0.01 | 250.34M | 239.21M |
| 2024-05-09 | -0.33 | 0.16 | 245.28M | 225.28M |
| 2024-02-21 | -0.24 | -0.10 | 218.04M | 221.06M |
| 2023-11-02 | -0.36 | -0.02 | 211.76M | 194.44M |
| 2023-08-10 | -0.04 | -0.02 | 185.69M | 188.94M |
| 2023-05-16 | -0.24 | -0.03 | 186.64M | 179.32M |
| 2023-02-15 | -0.12 | -0.36 | 178.17M | 163.31M |
| 2022-11-10 | -0.24 | -0.03 | 185.61M | 180.00M |
| 2022-08-16 | -2.88 | — | 182.00M | — |
| 2022-05-27 | -1.42 | — | 158.32M | — |
| 2021-12-31 | -0.63 | — | 144.26M | — |
| 2021-09-30 | -1.72 | — | 128.15M | — |
| 2021-06-30 | -0.36 | — | 92.18M | — |
| 2021-03-31 | -1.63 | — | 91.63M | — |
| 2020-12-31 | 0.32 | — | 36.38M | — |
| 2020-09-30 | 0.32 | — | 36.38M | — |
| 2020-06-30 | 0.07 | — | 13.13M | — |
| 2020-03-31 | 0.07 | — | 13.13M | — |
Dividends
Yield 0.00%. Payout ratio 0.00%. Frequency —.
Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| No data yet. | ||||
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-19 | Rosen Tami | Sell | 9.36K | $10.68 | 100.00K |
| 2026-10-19 | Rosen Tami | Buy | 9.36K | $10.68 | 100.00K |
| 2026-10-02 | Rosen Tami | Sell | 1.99K | $17.83 | 35.41K |
| 2026-09-28 | Vieira Cory | Sell | 2.17K | $17.04 | 36.98K |
| 2026-09-28 | DAS SANJIV | Sell | 14.30K | $17.04 | 243.67K |
| 2026-09-28 | Dobres Jonathan | Sell | 590 | $17.04 | 10.05K |
| 2026-09-25 | Vieira Cory | Buy | 3.57K | — | — |
| 2026-09-25 | Vieira Cory | Sell | 3.57K | — | — |
| 2026-09-25 | DAS SANJIV | Buy | 25.00K | — | — |
| 2026-09-25 | DAS SANJIV | Sell | 25.00K | — | — |
| 2026-09-25 | Dobres Jonathan | Buy | 1.12K | — | — |
| 2026-09-25 | Dobres Jonathan | Sell | 1.12K | — | — |
| 2026-09-18 | Rosen Tami | Sell | 8.50K | $20.38 | 173.35K |
| 2026-09-17 | Dobres Jonathan | Sell | 2.18K | $21.04 | 45.93K |
| 2026-09-15 | Dobres Jonathan | Sell | 4.38K | — | — |
| 2026-09-15 | Dobres Jonathan | Buy | 4.38K | — | — |
| 2026-09-12 | Rosen Tami | Sell | 15.62K | — | — |
| 2026-09-12 | Rosen Tami | Buy | 15.62K | — | — |
| 2026-09-12 | Rosen Tami | Sell | 7.12K | $20.21 | 143.92K |
| 2026-09-12 | DAS SANJIV | Buy | 23.75K | — | — |
| 2026-09-12 | DAS SANJIV | Sell | 13.30K | $20.21 | 268.81K |
| 2026-09-12 | DAS SANJIV | Sell | 23.75K | — | — |
| 2026-09-12 | Dobres Jonathan | Buy | 1.12K | — | — |
| 2026-09-12 | Dobres Jonathan | Sell | 582 | $20.21 | 11.76K |
| 2026-09-12 | Dobres Jonathan | Sell | 1.12K | — | — |
| 2026-09-03 | Rosen Tami | Sell | 1.26K | $23.07 | 29.18K |
| 2026-09-02 | Vieira Cory | Buy | 5.21K | — | — |
| 2026-09-02 | Vieira Cory | Sell | 3.08K | $22.71 | 69.83K |
| 2026-09-02 | Vieira Cory | Sell | 5.21K | — | — |
| 2026-09-01 | Gardner Jason M. | Buy | 5.95K | — | — |
| 2026-08-17 | Gardner Jason M. | Other | 0 | — | — |
| 2026-08-03 | Rosen Tami | Buy | 7.30K | — | — |
| 2026-08-03 | Rosen Tami | Sell | 28.18K | $21.98 | 619.37K |
| 2026-08-03 | DAS SANJIV | Sell | 21.29K | $22.00 | 468.36K |
| 2026-07-01 | Dobres Jonathan | Buy | 34.99K | — | — |
| 2026-06-25 | Dobres Jonathan | Sell | 1.12K | — | — |
| 2026-06-25 | Dobres Jonathan | Buy | 1.12K | — | — |
| 2026-06-25 | Dobres Jonathan | Sell | 403 | $15.48 | 6.24K |
| 2026-06-25 | Vieira Cory | Sell | 3.57K | — | — |
| 2026-06-25 | Vieira Cory | Buy | 3.57K | — | — |
| 2026-06-25 | Vieira Cory | Sell | 1.46K | $15.83 | 23.08K |
| 2026-06-25 | DAS SANJIV | Buy | 25.00K | — | — |
| 2026-06-25 | DAS SANJIV | Sell | 25.00K | — | — |
| 2026-06-25 | DAS SANJIV | Sell | 14.00K | $15.83 | 221.62K |
| 2026-06-24 | Krubiner Gal | Buy | 16.23K | $15.43 | 250.47K |
| 2026-06-22 | Rosen Tami | Sell | 9.94K | $15.20 | 151.13K |
| 2026-06-15 | Dobres Jonathan | Other | 0 | — | — |
| 2026-06-15 | Dobres Jonathan | Other | 2.32K | $10.68 | 24.73K |
| 2026-06-15 | Dobres Jonathan | Other | 8.93K | — | — |
| 2026-06-15 | Dobres Jonathan | Other | 1.58K | $10.68 | 16.84K |
| 2026-06-12 | Perros Evangelos | Buy | 20.62K | — | — |
| 2026-06-12 | Perros Evangelos | Sell | 11.56K | $16.23 | 187.59K |
| 2026-06-12 | Perros Evangelos | Sell | 20.62K | — | — |
| 2026-06-12 | DAS SANJIV | Buy | 23.75K | — | — |
| 2026-06-12 | DAS SANJIV | Sell | 13.31K | $16.23 | 216.01K |
| 2026-06-12 | DAS SANJIV | Sell | 23.75K | — | — |
| 2026-06-12 | Rosen Tami | Buy | 15.62K | — | — |
| 2026-06-12 | Rosen Tami | Sell | 5.68K | $16.23 | 92.20K |
| 2026-06-12 | Rosen Tami | Sell | 15.62K | — | — |
| 2026-06-02 | Vieira Cory | Buy | 5.21K | — | — |
| 2026-06-02 | Vieira Cory | Sell | 2.14K | $15.01 | 32.12K |
| 2026-06-02 | Vieira Cory | Sell | 5.21K | — | — |
| 2026-04-17 | Rosen Tami | Sell | 9.72K | $15.14 | 147.16K |
| 2026-04-01 | Vieira Cory | Buy | 28.57K | — | — |
| 2026-04-01 | Yulzari Yahav | Buy | 185.00K | — | — |
| 2026-04-01 | DAS SANJIV | Buy | 200.00K | — | — |
| 2026-04-01 | Krubiner Gal | Buy | 185.00K | — | — |
| 2026-04-01 | Perros Evangelos | Buy | 175.00K | — | — |
| 2026-04-01 | Pardo Avital | Buy | 185.00K | — | — |
| 2026-04-01 | Perros Evangelos | Buy | 22.77K | — | — |
| 2026-04-01 | Perros Evangelos | Sell | 13.00K | $11.34 | 147.47K |
| 2026-04-01 | Perros Evangelos | Sell | 22.77K | — | — |
| 2026-03-12 | DAS SANJIV | Buy | 23.75K | — | — |
| 2026-03-12 | DAS SANJIV | Sell | 9.70K | $10.99 | 106.62K |
| 2026-03-12 | DAS SANJIV | Sell | 23.75K | — | — |
| 2026-03-12 | Perros Evangelos | Buy | 20.62K | — | — |
| 2026-03-12 | Perros Evangelos | Sell | 8.43K | $10.99 | 92.59K |
| 2026-03-12 | Perros Evangelos | Sell | 20.62K | — | — |
| 2026-03-12 | Rosen Tami | Sell | 15.62K | — | — |
| 2026-03-12 | Rosen Tami | Buy | 15.62K | — | — |
| 2026-03-12 | Rosen Tami | Sell | 5.91K | $10.99 | 64.90K |
| 2026-03-02 | Vieira Cory | Buy | 5.21K | — | — |
| 2026-03-02 | Vieira Cory | Sell | 5.21K | — | — |
| 2026-03-02 | Vieira Cory | Sell | 2.49K | $10.92 | 27.19K |
| 2026-01-18 | Bower Scott | Sell | 1.33K | $51.36 | 68.21K |
| 2026-01-18 | Bower Scott | Sell | 1.95K | $51.36 | 100.00K |
| 2026-01-05 | Perros Evangelos | Sell | 9.75K | $22.99 | 224.15K |
| 2026-01-05 | DAS SANJIV | Sell | 3.94K | $22.99 | 90.70K |
| 2026-01-01 | Perros Evangelos | Buy | 22.77K | — | — |
| 2026-01-01 | Perros Evangelos | Sell | 22.77K | — | — |
| 2026-01-01 | DAS SANJIV | Buy | 9 | — | — |
| 2026-01-01 | DAS SANJIV | Sell | 8.54K | — | — |
| 2025-12-19 | Rosen Tami | Sell | 7.56K | $30.73 | 232.38K |
| 2025-12-12 | DAS SANJIV | Buy | 23.75K | — | — |
| 2025-12-12 | DAS SANJIV | Sell | 568 | $22.35 | 12.69K |
| 2025-12-12 | DAS SANJIV | Sell | 23.75K | — | — |
| 2025-12-12 | Perros Evangelos | Sell | 20.62K | — | — |
| 2025-12-12 | Perros Evangelos | Buy | 20.62K | — | — |
| 2025-12-12 | Perros Evangelos | Sell | 11.59K | $22.35 | 259.08K |
| 2025-12-12 | Rosen Tami | Sell | 15.62K | — | — |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 251, holders +13 vs prior quarter. Ownership 36.84%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| FRONTIER CAPITAL MANAGEMENT CO LLC | 2.30M | 2.10M | +1067.50% | 41.91M |
| MILLENNIUM MANAGEMENT LLC | 2.29M | 1.41M | +161.45% | 41.74M |
| AMERICAN CENTURY COMPANIES INC | 1.89M | 192.84K | +11.38% | 34.45M |
| AQUAMARINE FINANCIAL (CAYMAN) LTD | 1.77M | 1.77M | New | 32.32M |
| ALLSPRING GLOBAL INVESTMENTS HOLDINGS, LLC | 1.65M | 616.24K | +59.88% | 30.88M |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 1.68M | 1.52M | +900.33% | 30.73M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 1.26M | -457.67K | -26.67% | 22.97M |
| BLACKROCK, INC. | 1.10M | -3.37M | -75.34% | 20.12M |
| HS INVESTMENTS IV LTD | 1.10M | 0 | 0.00% | 20.04M |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 1.05M | 1.05M | New | 19.15M |
| CITADEL ADVISORS LLC | 1.03M | 941.61K | +1101.40% | 18.74M |
| MORGAN STANLEY | 948.53K | -453.03K | -32.32% | 17.31M |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | 924.40K | 756.09K | +449.21% | 16.87M |
| CITADEL ADVISORS LLC | 812.80K | 727.31K | +850.73% | 14.83M |
| DLD ASSET MANAGEMENT, LP | 805.00K | 805.00K | New | 14.68M |
| UBS GROUP AG | 784.49K | 730.99K | +1366.34% | 14.32M |
| BNP PARIBAS FINANCIAL MARKETS | 759.73K | -439.41K | -36.64% | 13.87M |
| JANE STREET GROUP, LLC | 681.50K | 479.20K | +236.88% | 12.44M |
| TWO SIGMA INVESTMENTS, LP | 649.79K | -1.21M | -65.01% | 11.86M |
| EMPOWERED FUNDS, LLC | 623.02K | 506.36K | +434.04% | 11.37M |
| GOLDMAN SACHS GROUP INC | 591.95K | -1.30M | -68.64% | 10.80M |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 588.31K | 588.31K | New | 10.74M |
| CITADEL ADVISORS LLC | 585.96K | 500.46K | +585.39% | 10.69M |
| AQR CAPITAL MANAGEMENT LLC | 575.19K | 209.76K | +57.40% | 10.50M |
| BALYASNY ASSET MANAGEMENT L.P. | 535.78K | 251.48K | +88.46% | 9.78M |
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