PGYNASDAQTechnology · Software - Infrastructure

Pagaya Technologies Ltd.

$12.64-1.79%($-0.23)

TickerSpark Score

74/100

Solid

Valuation

Profitability

100

Growth

Health

Momentum

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52-Week Range6% of range

Low $10.40

Current $12.64

High $44.99

Companywww.pagaya.com

Pagaya Technologies Ltd. operates as a financial technology company in Israel, the United States, and the Cayman Islands. It develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets.

CEO: Gal Krubiner
IPO: 2021
Employees: 527
HQ: Tel Aviv, IL

Price Chart

-12.40% · this period

Valuation

Market Cap: $1.05B
P/E: 11.35
P/S: 0.81
P/B: 2.11
EV/EBITDA: 8.96
Div Yield: 0.00%

Profitability

Gross Margin: 41.41%
Op Margin: 21.78%
Net Margin: 7.57%
ROE: 21.65%
ROIC: 17.86%

Growth & Income

Revenue: $1.26B · 25.56%
Net Income: $81.39M · 120.28%
EPS: $1.04 · 118.37%
Op Income: $223.81M
FCF YoY: 419.18%

Performance & Tape

52W High: $44.99
52W Low: $10.40
50D MA: $12.79
200D MA: $22.50
Beta: 5.44
Avg Volume: 3.44M

PGY AI Snapshot

Technical Setup

The stock is still in a deep recovery regime, well below its 200-day average of 22.50 after a large drawdown from the 52-week high of 44.99. The 50-day average at 12.79 sits close to price, suggesting a basing phase rather than a clean long-term uptrend.

Analyst Consensus

Street sentiment is constructive but not euphoric: consensus is Buy with a 31.25 average target, well above the current setup. Recent calls have mostly been reaffirmations with target cuts, including Stephens to 25, Benchmark to 33, and Jefferies maintaining Buy at 35, which points to cautious optimism after a reset.

Earnings Watch

The earnings profile has been favorable, with 5 beats in the last 7 reported quarters and a 30.4% EPS beat in the most recent print. Next-year EPS estimates still point higher, and shareholders should watch whether revenue growth and margin discipline keep translating into another beat.

Insider Pulse

The pattern leans to net selling, but most of the activity is award-related or exempt transactions rather than clear discretionary conviction. The only clean open-market sale in the recent set was director Tami Rosen’s 9,720-share sale, while several officer awards and exempt exercises dominated the rest.

Financial Health

Profitability is solid for a growth software name, with gross margin at 42.9%, operating margin at 25.16%, and net margin at 7.39%. Growth remains healthy too, with revenue up 9.6% year over year and earnings up 183.8%, while free cash flow reached $252.5 million in 2025.

Peer Snapshot

Pagaya’s AI-driven lending infrastructure gives it a differentiated niche versus broader software peers, with exposure to financial services distribution rather than general enterprise IT. The valuation still screens as growth-oriented, with a 11.29 P/E and a target range that implies meaningful upside if execution holds.

Recent Insider Transactions

Date	Insider	Role	Type	Shares	Value
Oct 16, 25	DAS SANJIV	officer: President	other	22,916	$0
Apr 17, 26	Rosen Tami	director	sell	9,720	$147.16K
Apr 1, 26	Vieira Cory	officer: Chief Accounting Officer	other	28,571	$0
Apr 1, 26	Yulzari Yahav	director, officer: Deputy Chief Executive Officer	other	185,000	$0
Apr 1, 26	DAS SANJIV	officer: President	other	200,000	$0
Apr 1, 26	Krubiner Gal	director, officer: Chief Executive Officer	other	185,000	$0
Apr 1, 26	Perros Evangelos	officer: Chief Financial Officer	other	175,000	$0
Apr 1, 26	Pardo Avital	director, officer: Deputy Chief Executive Officer	other	185,000	$0
Apr 1, 26	Perros Evangelos	officer: Chief Financial Officer	other	22,766	$0
Apr 1, 26	Perros Evangelos	officer: Chief Financial Officer	sell	13,004	$147.47K