PGY
TechnologyPagaya Technologies Ltd. · Software - Infrastructure · $1B
What is Pagaya Technologies Ltd.?
Pagaya Technologies is a fintech company that uses artificial intelligence to help financial partners originate loans and other credit assets more efficiently.
Pagaya develops proprietary AI software that integrates into the origination workflows of banks, fintech lenders, auto finance providers, and brokers. Rather than lending directly, the company earns fees by enabling partners to approve more applicants using its data-driven decisioning technology.
Founded in 2016 and headquartered in Tel Aviv, Israel, Pagaya operates across the United States and internationally.
- AI-powered credit decisioning software
- Loan origination network for fintech and bank partners
- Auto finance and personal loan facilitation tools
Is PGY a Good Stock to Buy?
UQS Score rates PGY as Good overall.
Pagaya's strongest signals come from its Growth and Valuation pillars, suggesting the business is expanding and that the current price may not fully reflect that trajectory relative to peers.
The Risk pillar is rated Weak, reflecting meaningful uncertainty — a key consideration for investors evaluating this small-cap fintech.
See the exact pillar breakdown and full financial metrics by signing up for a Pro account at UQS Score. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does PGY pay dividends?
No — Pagaya Technologies Ltd. does not currently pay a dividend.
Pagaya does not currently pay a dividend. As a growth-stage fintech, the company reinvests available resources into expanding its AI platform and partner network rather than returning cash to shareholders.
When does PGY report earnings?
Pagaya Technologies reports earnings on a quarterly cadence, typical for US-listed equities.
Pagaya's recent results have reflected its growth-oriented profile, with network expansion and fee revenue trends drawing attention from investors tracking fintech adoption. Risk factors tied to credit markets and partner concentration remain part of the story.
For the most recent quarter's results, visit Pagaya Technologies' investor relations page directly.
PGY Price History
-87.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Pagaya Technologies Ltd.?
Based on Pagaya Technologies Ltd.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Pagaya Technologies do?
Pagaya builds AI software that helps banks, fintech lenders, and auto finance providers approve more loan applicants. It earns fees through its network rather than taking on direct lending risk itself.
Does PGY pay dividends?
No, Pagaya does not pay a dividend. The company is in a growth phase and focuses on reinvesting into its AI platform and expanding its partner network.
When does PGY report earnings?
Pagaya reports on a standard quarterly schedule. For exact dates, check the investor relations section of the company's official website, as our data source does not cover upcoming earnings dates.
Is PGY a good stock to buy?
UQS Score rates PGY as Good, with notable strength in Growth and Valuation but a Weak Risk rating. Whether it fits your portfolio depends on your risk tolerance and investment goals — view the full pillar breakdown on UQS Score.
Is PGY overvalued?
The UQS Valuation pillar for PGY is rated Attractive, suggesting the stock may be reasonably priced relative to its fundamentals and sector peers at current levels.
What is PGY's market cap bracket?
Pagaya Technologies is classified as a small-cap company, which typically means higher growth potential alongside greater volatility compared to large- or mega-cap peers.
Is PGY a long-term quality investment?
As a long-term quality indicator, UQS rates PGY as Good overall, but the Weak Risk pillar and Neutral Moat suggest investors should monitor competitive positioning and financial stability over time.
What sector does PGY belong to?
Pagaya Technologies operates in the Technology sector, specifically at the intersection of artificial intelligence and financial services — often categorized as fintech or AI-enabled lending infrastructure.
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Pro Analysis
PGY — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Apr 26, 2026 | 56.8 | 56.0 | 45.0 | 66.0 | 24.6 | 97.3 | 0.0 |
| Apr 18, 2026 | 56.8 | 56.0 | 45.0 | 66.0 | 24.6 | 97.4 | -0.4 |
| Apr 2, 2026 | 57.2 | 56.0 | 45.0 | 66.0 | 24.6 | 100.0 | — |
PGY — Pillar Breakdown
Quality
— 58.6/100 (25%)Pagaya Technologies Ltd. shows solid profitability with healthy returns on capital and reasonable margins.
How effectively capital is deployed to generate returns.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Asset productivity — how much gross profit each dollar of assets generates.
Free cash flow relative to market value.
Growth
— 65.9/100 (20%)Pagaya Technologies Ltd. demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 13.3/100 (15%)Pagaya Technologies Ltd. presents elevated risk with concerns around leverage or financial stability.
Debt levels relative to earnings capacity.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 99.8/100 (15%)Pagaya Technologies Ltd. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 45/100 (25%)Pagaya Technologies Ltd. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PGY.
Score Composition
Financial Data
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How is the PGY UQS Score Calculated?
The UQS (Unified Quality Score) for Pagaya Technologies Ltd. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Pagaya Technologies Ltd.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Pagaya Technologies Ltd. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.