Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PGY
Strong BuyFull HouseFLAGPagaya Technologies Ltd. · Technology · United States · $1.8B · Avg Vol: $59M/d
Despite positive EPS revisions, there is net insider selling (0.15% sold vs 0.02% bought), which triggers an automatic review of adverse evidence per the rules.
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% | 1.4B | 1.4B | 1.6B | 14.4% |
| EPS | -8.28 | -2.14 | -5.66 | 0.99 | — | 1.41 | 1.12 | 1.24 | 11.9% |
| Shares | 56.9M | 62.0M | 73.9M | 82.0M | +44.1% | 72.1M | — | — | — |
| Debt | 212.3M | 412.6M | 680.8M | 858.5M | 59.3% | 907.3M | — | — | — |
| Equity | 553.5M | 559.7M | 326.5M | 480.0M | -4.6% | — | — | — | — |
| Op CF | -40.0M | -21.7M | 47.8M | 238.6M | 399.7% | 264.7M | — | — | — |
| 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) | $1.8B | 99 | Strong Buy |
| RAMP | LiveRamp Holdings, Inc. | $2.3B | 99 | Strong Buy |
| PRGS | Progress Software Corporation | $1.8B | 90 | Strong Buy |
| GCT | GigaCloud Technology Inc. | $1.9B | 90 | Strong Buy |
| FIVN | Five9, Inc. | $2.5B | 91 | Strong Buy |
| FLYW | Flywire Corporation | $1.7B | 84 | Strong Buy |
| TDC | Teradata Corporation | $2.7B | 91 | Strong Buy |
| NTCT | NetScout Systems, Inc. | $2.8B | 89 | Strong Buy |
| EVTC | EVERTEC, Inc. | $1.8B | 80 | Buy |
| PAYO | Payoneer Global Inc. | $2.4B | 84 | Strong Buy |
Peer medians: ROE 4.6% · P/E 35.3x · Gross margin 51.3%