Pagaya Technologies Ltd. (PGY)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 22.20 $ — 35% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AAQS
7/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 80.8%
- Exp. sales growth 3Y > 5% 15.7%
- EBIT growth 10Y > 5% –
- Exp. EBIT growth 3Y > 5% 100.7%
- Net debt < 4x EBIT -1.5x
- EBIT positive, 10Y straight 3
- Max. EBIT decline < 50% 100.0%
- Return on equity > 15% 18.1%
- ROCE > 15% 15.8%
- Expected return > 10% 125.2%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
8 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 22.5% passed
- More than 10% revenue growth is expected for the coming year 13.7% passed
- Share count grows by less than 3% a year 29.5% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 43.4% passed
- Gross margin at 40% or higher and without meaningful erosion 40.6% passed
- Goodwill from acquisitions does not grow faster than revenue 1.5% passed
- Net debt below twice EBITDA 336 m net cash passed
- Operating cash flow covers the profits of the last three years 763 m passed
- Return on capital at 15% or higher, or up versus two years ago 15.8% passed
- Insiders hold at least 10% or are net buyers 9.1% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 28.4% above the current price.
- Consensus
- Strong Sell
- Analyst Ratings
- 10
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.68 | 3.39 – 3.95 | 1,468 | 11.2% | 7 |
| 12/31/2027 | 3.94 | 3.27 – 4.21 | 1,688 | 7.1% | 8 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -3.20 | – | 276 | 31.00 | -86.30 | 32 | 23 |
| 2025: Q1 | 0.10 | – | 283 | 19.30 | 2.80 | 34 | 31 |
| 2025: Q2 | 0.21 | – | 318 | 31.00 | 5.20 | 57 | 54 |
| 2025: Q3 | 0.25 | – | 340 | 36.30 | 6.60 | 67 | 64 |
| 2025: Q4 | 0.38 | – | 321 | 16.50 | 10.70 | 80 | 77 |
| 2026: Q1 | 0.26 | 149.30 | 318 | 12.50 | 7.80 | 43 | 40 |
| 2026: Q2 | 0.49 | 133.30 | 387 | 21.80 | 11.70 | 75 | 71 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2019 | 36 | -4 | -6 | -0.35 | -8 | 32 | 59 |
| 2020 | 92 | 21 | 14 | 0.79 | 4 | 109 | 204 |
| 2021 | 446 | -6 | -91 | -5.60 | 50 | 308 | 590 |
| 2022 | 685 | -252 | -302 | -7.90 | -40 | 554 | 1,045 |
| 2023 | 773 | -24 | -128 | -2.14 | 10 | 560 | 1,208 |
| 2024 | 1,005 | 67 | -401 | -5.66 | 67 | 326 | 1,291 |
| 2025 | 1,261 | 224 | 81 | 0.98 | 239 | 480 | 1,546 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Pagaya Technologies Ltd., ein produktorientiertes Technologieunternehmen, setzt Data Science und proprietäre KI-gestützte Technologie für Finanzdienstleistungen, deren Kunden sowie institutionelle oder versierte Investoren in den USA, Israel und auf den Cayman Islands ein.
| Employees | 493 |
|---|---|
| Headquarters | New York, NY |
| Address | 335 Madison Ave, 10017 New York, United States |
| Phone | 646 710 7714 |
| Website | pagaya.com |
| IPO Date | 23. Jun 2022 |
| ISIN | IL0011858912 |
| Stock Split | 1:12 on 03/08/2024 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Gal Krubiner | CEO, Co-Founder & Director | 1989 |
| Sanjiv Das | Co-Founder & President | 1962 |
| Avital Pardo | Co-Founder, Deputy CEO & Director | 1986 |
| Yahav Yulzari | Co-Founder, Deputy CEO & Director | 1986 |
| Tami Rosen | Chair of Strategic Advisory Board, Chief Development Officer & Director | 1972 |
| Evangelos Perros | Strategic Executive Advisor | 1976 |
| Jonathan Israel Dobres J.D. | Chief Financial Officer | 1978 |
| Balasubramaniam Panchanadeswaran | Chief Operating Officer | – |
| Edward John Mallon | Chief Investment Officer | – |
| Cory Vieira | Chief Accounting Officer & Principal Accounting Officer | 1979 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 17. Apr 2026 | Tami Rosen | Director | Sell | 9,720 | 15.14 | 147,161 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.