Will PGY's Expanding Funding Base Reduce Its Reliance on ABS Markets?
Pagaya is expanding committed-capital funding beyond securitizations, boosting flexibility while ABS remains a core funding engine.
Stock Taper 
PGY
$18.26
▲ UP 0.66% (0.12)
KEY STATISTICS
Market Cap$1.52 B
52w High$31.54
52w Low$10.40
Dividend Yield—
Frequency—
P/E13.33
Volume1.97M
Shares Out.83.43M
COMPANY
LEADERSHIP
CHIEF EXECUTIVE
Gal Krubiner
ABOUT
SECTOR
Technology
WENT PUBLIC
April 21, 2021
METHOD OF GOING PUBLIC
SPAC
FULL TIME EMPLOYEES
493
PRICE TARGET
Target High$33.00
Target Low$25.00
Target Median$27.00
Target Consensus$28.33
UPCOMING EARNINGS
DateOct 29, 2026
DayThursday
Rev. Est.$382.13M
OCT
29
THU
SPLIT RECORD
| DATE | TYPE | RATIO |
|---|---|---|
| 2024-03-08 | Reverse | 1:12 |
ETFS HOLDING THIS STOCK
ETFS HOLDING
72
LISTED HERE
10
RANKED BY POSITION SIZE
INSTITUTIONAL OWNERSHIP
SHARES OWNED
24.48%
HOLDERS
335
TOP 8 OF 335 · RANKED BY POSITION SIZE
PRICE
$18.26 ▲ UP 0.66% (+$0.12)About Pagaya Technologies Ltd.
https://www.pagaya.com ↗Pagaya Technologies Ltd. is a Tel Aviv-based fintech company using AI to help partners in Israel, the US, and the Cayman Islands originate loans and assets for financial institutions, auto finance providers, and brokers.
INDUSTRY
Software - Infrastructure
A SERVICE PAGAYA TECHNOLOGIES LTD. IS KNOWN FOR
AI-Powered Lending Enablement Platform
Pagaya provides a B2B platform that integrates AI-driven credit risk assessment into financial institutions' loan systems, enabling increased loan approvals with managed risk, funded by a network of institutional investors.
Pagaya Technologies in 2025
SENTIMENT: + POSITIVE
EARNINGS · NOVEMBER 2025
Pagaya Achieves Record-Breaking Q3 2025 Earnings, Surpassing Expectations and Raising Full-Year Guidance for Third Consecutive Quarter
Pagaya Technologies reported record performance across all key metrics for the third quarter of 2025, including a significant increase in GAAP Net Income to $23 million, a 91% year-over-year increase in Adjusted EBITDA to $107 million, and a 36% year-over-year increase in total revenue to $350 million. This strong performance, driven by growth in their Auto and Point-of-Sale verticals, prompted the company to raise its full-year guidance for the third time in a row, signaling strong business momentum and operational efficiency.
CAPITAL ALLOCATION · JULY 2025 · COMPLETED
Pagaya Executes a $500 Million Senior Unsecured Notes Offering to Reshape its Capital Structure and Boost Profitability
In a significant strategic move to strengthen its financial foundation, Pagaya Technologies successfully closed an oversubscribed $500 million offering of senior unsecured notes. This initiative was designed to refinance existing, higher-cost debt, thereby lowering its cost of capital and enhancing capital efficiency and profitability.
Latest News
EARLIER COVERAGE
Stock Picks From Seeking Alpha's September 2026 New Analysts
Seeking Alpha welcomed 38 new analysts in September 2026. This article showcases their top picks and investment strategies. Highlighted companies include Qualcomm, Teladoc, and NewLake Capital Partners, as well as the ETF TDAQ, each with a detailed investment thesis. We invite you all to engage with our new contributing analysts, explore their diverse investment theses, and consider following up on the highlighted stock ideas.
Pagaya Announces Timing of Third Quarter 2026 Earnings Release
Pagaya Technologies Ltd. (NASDAQ: PGY) (âPagayaâ) will announce its third quarter 2026 earnings on October 29, 2026. A conference call to discuss those earn
Why Pagaya Technologies Ltd. (PGY) Outpaced the Stock Market Today
In the closing of the recent trading day, Pagaya Technologies Ltd. (PGY) stood at $18.4, denoting a +2.34% move from the preceding trading day.
3 Small-Cap Stocks With Catalysts That Could Put Them in the Spotlight
Small-cap companies are accustomed to living in the shadow of mega-cap tech firms, but there are signs that the market backdrop could be changing for some of these companies. Investors have been looking beyond the Magnificent Seven for growth opportunities, and smaller companies with improving fundamentals, unique business models, or other noteworthy catalysts may finally have an opportunity to win investor attention.
Pagaya Issues AAA-Rated $600 Million Personal Loan ABS Transaction
NEW YORK--(BUSINESS WIRE)--Pagaya Technologies Ltd. (NASDAQ: PGY) (“Pagaya”), a global technology company delivering AI-driven product solutions for the financial ecosystem, today announced the closing of a $600 million AAA-rated personal loan ABS transaction (PAID 2026-6). “We achieved tighter pricing on this transaction relative to recent deals, which reflects strong investor confidence in Pagaya's credit performance and underwriting platform," said Sahil Chandiramani, Head of Capital Markets.
Why Pagaya Stock Dropped 20% in September
Pagaya has been growing quickly as it offers an improved way for lenders to assess borrowers using AI. Higher interest rates make it harder for lenders to approve loans and less likely for borrowers to take out loans.
RATINGS SNAPSHOT
Overall rating: B
Discounted Cash Flow2
Return On Equity4
Return On Assets4
Debt To Equity1
Price To Earnings3
Price To Book3
Overall Score3
MOST RECENT ANALYST GRADES
GRADE SUMMARY
BUY 7
MARKET OUTPERFORM 1
OUTPERFORM 1
9 GRADES IN THE LAST 12 MONTHS
SECTORS PEERS
| PEER | PRICE | |
|---|---|---|
 AFRM | $76.52 | COMPARE |
 NTCT | $40.89 | COMPARE |
 TDC | $29.82 | COMPARE |
 FIVN | $33.61 | COMPARE |
 PAYO | $7.15 | COMPARE |
 RAMP | $37.64 | COMPARE |
 EVTC | $28.66 | COMPARE |
 MQ | $16.84 | COMPARE |
INSIDER TRADES
★
DIRECTOR
Rosen Tami
Sale · 2.0K shares
2026-10-02
★
OFFICER: CHIEF FINANCIAL OFFICER
Dobres Jonathan
Sale · 590 shares
2026-09-28
★
OFFICER: PRESIDENT
DAS SANJIV
Sale · 14.3K shares
2026-09-28
★
OFFICER: CHIEF ACCOUNTING OFFICER
Vieira Cory
Sale · 2.2K shares
2026-09-28