Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PGY
STRONG BUYFLAGPagaya Technologies Ltd. · Technology · United States · $1.3B · Avg Vol: $58M/d
Pagaya Technologies underwrites consumer loans through partner lenders using its credit models and retains risk positions in the securitisations it arranges, a structure where reported earnings depend heavily on fair-value assumptions about future loan performance. That earnings-quality dependence is a specific caveat. No accounting failure is known, so this is a flag.
COMPANY DESCRIPTION
Pagaya Technologies Ltd. is a financial technology company that uses artificial intelligence and machine learning to power a credit analysis network for financial institutions. Its proprietary AI algorithms assess credit risk more effectively, enabling partners to expand access to credit and grow their lending portfolios. Pagaya's competitive advantage lies in its advanced AI models and growing network effect, acting as a technology enabler in consumer finance.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 685.4M | 772.8M | 1.0B | 1.3B | 22.5% | 1.3B | 1.4B | 1.6B | 13.9% |
| EPS | -8.28 | -2.14 | -5.66 | 0.99 | — | 1.12 | 0.92 | 1.06 | 3.3% |
| Shares | 56.9M | 62.0M | 73.9M | 82.0M | +44.1% | 71.8M | — | — | — |
| Debt | 212.3M | 412.6M | 680.8M | 858.5M | 59.3% | 928.0M | — | — | — |
| Equity | 553.5M | 559.7M | 326.5M | 480.0M | -4.6% | — | — | — | — |
| Op CF | -40.0M | -21.7M | 47.8M | 238.6M | 399.7% | 247.4M | — | — | — |
| Inv CF | -265.4M | -381.5M | -479.9M | -309.7M | — | — | — | — | — |
| Fin CF | 437.9M | 289.1M | 436.7M | 129.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of PGY are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PGY | Pagaya Technologies Ltd.(you) | $1.3B | 94 | STRONG BUY |
| GCT | GigaCloud Technology Inc. | $1.3B | 91 | STRONG BUY |
| PRGS | Progress Software Corporation | $1.6B | 92 | STRONG BUY |
| FIVN | Five9, Inc. | $1.8B | 96 | STRONG BUY |
| RAMP | LiveRamp Holdings, Inc. | $2.3B | 96 | STRONG BUY |
| EVTC | EVERTEC, Inc. | $1.8B | 87 | STRONG BUY |
| FLYW | Flywire Corporation | $1.7B | 83 | STRONG BUY |
| NTCT | NetScout Systems, Inc. | $2.9B | 95 | STRONG BUY |
| CCSI | Consensus Cloud Solutions, Inc. | $669M | 98 | STRONG BUY |
| TDC | Teradata Corporation | $2.7B | 97 | STRONG BUY |
Peer medians: ROE 7.5% · P/E 37.2x · Gross margin 53.2%