Pagaya Technologies
About: Pagaya Technologies Ltd is a financial technology company working to reshape the lending marketplace by using machine learning, data analytics, and sophisticated AI-driven credit and analysis technology. It was built to provide a comprehensive solution to enable the credit industry to deliver customers a positive experience while simultaneously enhancing the broader credit ecosystem. Its proprietary API seamlessly integrates into its next-gen infrastructure network of partners to deliver a premium customer user experience and greater access to credit. The company generates majority of its revenue from United States.
Employees: 527
0
Funds holding %
of 7,296 funds
0
Analysts bullish %
of 3 analysts
Fund manager confidence
Based on 2025 Q1 regulatory disclosures by fund managers ($100M+ AUM)
24% more call options, than puts
Call options by funds: $22.9M | Put options by funds: $18.4M
22% more capital invested
Capital invested by funds: $282M [Q4 2024] → $345M (+$63.2M) [Q1 2025]
19% more first-time investments, than exits
New positions opened: 31 | Existing positions closed: 26
15% more repeat investments, than reductions
Existing positions increased: 45 | Existing positions reduced: 39
3% more funds holding
Funds holding: 132 [Q4 2024] → 136 (+4) [Q1 2025]
2.85% more ownership
Funds ownership: 49.73% [Q4 2024] → 52.58% (+2.85%) [Q1 2025]
0% more funds holding in top 10
Funds holding in top 10: 2 [Q4 2024] → 2 (+0) [Q1 2025]
Research analyst outlook
3 Wall Street Analysts provided 1 year price targets over the past 3 months
Low target
$25
39%
upside
Avg. target
$29
62%
upside
High target
$36
101%
upside
3 analyst ratings
2 positive
67%
1 neutral
33%
0 negative
0%
Citizens Capital Markets David Scharf | 45%upside $26 | Market Perform Reiterated | 25 Mar 2025 |
B. Riley Securities Hal Goetsch | 101%upside $36 | Buy Maintained | 17 Mar 2025 |
Benchmark Mark Palmer | 39%upside $25 | Buy Reiterated | 17 Mar 2025 |
Financial journalist opinion
Based on 15 articles about PGY published over the past 30 days
Neutral
Business Wire
3 days ago
Pagaya Achieves First AAA-Rated Auto ABS with $300 Million Deal, Underscoring Strength of its Auto Platform
NEW YORK--(BUSINESS WIRE)--Pagaya Technologies LTD. (NASDAQ: PGY) ("Pagaya" or “the Company”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced the closing of a new $300 million AAA-rated auto loan ABS transaction (RPM 2025-3). This marks the first AAA-rated transaction from Pagaya's RPM program, a milestone made possible by the consistent performance and scaled production the Company has demonstrated since launching the program six.
Neutral
Business Wire
6 days ago
KBRA Assigns Preliminary Ratings to Pagaya AI Debt Grantor Trust 2025-4 and Pagaya AI Debt Trust 2025-4
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to 12 classes of notes issued by Pagaya AI Debt Grantor Trust 2025-4 and Pagaya AI Debt Trust 2025-4 (collectively “PAID 2025-4”), an unsecured consumer loan ABS transaction. PAID 2025-4 has initial hard credit enhancement levels of 65.29% for the Class A-1 Notes to 3.67% for the Class F Notes. Credit enhancement is comprised of overcollateralization, subordination (except for the Class F Notes), a cash reserve account funded at closin.
Positive
Zacks Investment Research
1 week ago
Want Outperformance? These 5 Stocks Show Relative Strength
OPFI, ALNT, PGY, GLDD and NTES are standing out with strong relative price strength and bullish earnings revisions.
Neutral
Business Wire
1 week ago
KBRA Assigns Preliminary Ratings to Research-Driven Pagaya Motor Asset Trust 2025-3 and Research-Driven Pagaya Motor Trust 2025-3
NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to seven classes of notes issued by Research-Driven Pagaya Motor Asset Trust 2025-3 and Research-Driven Pagaya Motor Trust 2025-3 (collectively “RPM 2025-3”), an auto loan ABS transaction. RPM 2025-3 has initial credit enhancement levels of 51.48% for the Class A notes to 1.28 % for the Class F notes. Credit enhancement is comprised of overcollateralization, subordination of junior note classes (except for the Class F notes), a cash re.
Positive
Zacks Investment Research
1 week ago
Are You Looking for a Top Momentum Pick? Why Pagaya Technologies Ltd.
Does Pagaya Technologies Ltd. (PGY) have what it takes to be a top stock pick for momentum investors?
Positive
Zacks Investment Research
2 weeks ago
Wall Street Analysts Think Pagaya Technologies Ltd. (PGY) Could Surge 28.6%: Read This Before Placing a Bet
The average of price targets set by Wall Street analysts indicates a potential upside of 28.6% in Pagaya Technologies Ltd. (PGY). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.
Positive
Zacks Investment Research
2 weeks ago
Add These 4 Top-Ranked Liquid Stocks to Boost Portfolio Returns
Boost returns with liquid, efficient top-ranked stocks like NEM, PGY, EVER and SEZL, each of which is backed by strong growth and financial metrics.
Neutral
Business Wire
2 weeks ago
Pagaya to Participate in Upcoming June Investor Conferences
NEW YORK--(BUSINESS WIRE)--Pagaya Technologies Ltd. (“Pagaya” or the “Company”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced that the Company's management team will participate in the following investor conferences: Benchmark Virtual FinTech Conference Date: June 5, 2025 Location: Virtual Morgan Stanley US Financials, Payments, CRE Conference Date: June 10, 2025 Location: New York, NY Mizuho Tech Conference Date: June 11, 2025.
Negative
Seeking Alpha
2 weeks ago
Pagaya Vs. Upstart: Why Pagaya's Strategy Offers A Safer Bet
The company leverages advanced AI to assess creditworthiness, similar to Upstart. Current macro uncertainty and declining consumer sentiment could threaten Pagaya's loan performance, funding costs, and overall business outlook. Recent earnings show a few credit-related losses and portfolio write-downs, highlighting the company's exposure to credit risk.
Positive
Seeking Alpha
3 weeks ago
Pagaya: A Deep Dive Into Its Untapped Value Proposition
Pagaya turned a corner in Q1 with its first GAAP profitable quarter as a public company. Pagaya's improving loan performance could drive additional forward flow agreements, especially after its latest rating upgrade by KBRA, potentially driving risk retention lower. Pagaya's inaugural POS ABS program could be a major tailwind to growth and profitability, especially if these loans replicate the performance of its personal loans.
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