Pagaya Technologies Ltd. (PGY) — Stock Score Summary

Pagaya Technologies Ltd. (PGY) has a MoatMap StockRank of 88/100 based on Quality (72/100), Value (73/100), and Momentum (29/100) factor scores. The current signal is STRONG BUY. Pagaya Technologies is an AI-driven credit underwriting network. It lacks the balance sheet strength, high ROIC, and predictable free cash flow required by our Buffett and Terry Smith lenses, making it highly vulnerable to credit cycle inflections.

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.

Key Financial Metrics

Price$14.80
Market Cap$1.2B
P/E (TTM)13.80
P/E (Forward)4.37
Price/Book2.42
Return on Equity16.3%
Return on Invested Capital15.8%
Debt/Equity147.48
Gross Margin42.9%
Operating Margin25.2%
Revenue Growth9.6%
Free Cash Flow$186M

Pagaya Technologies Ltd. operates in the Software - Infrastructure industry, part of the Technology sector (United States).

Frequently Asked Questions

What is Pagaya Technologies Ltd.’s (PGY) StockRank?
MoatMap’s StockRank for Pagaya Technologies Ltd. (PGY) is 88/100, with a Strong Buy signal. It is a composite of Quality (72), Value (73), and Momentum (29) factor ranks across MoatMap’s 19,000+ stock universe.
Does Pagaya Technologies Ltd. have an economic moat?
Pagaya Technologies Ltd. (PGY) has a Quality factor score of 72/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Pagaya Technologies Ltd. a buy, hold, or sell?
MoatMap’s current signal for Pagaya Technologies Ltd. (PGY) is Strong Buy, based on a StockRank of 88/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Pagaya Technologies Ltd. in?
Pagaya Technologies Ltd. (PGY) operates in the Technology sector, specifically the Software - Infrastructure industry (United States).
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