PGY
NEUTRAL
$14.71
Live
Pagaya Technologies Ltd. · NASDAQ
Target $26.45
(+79.8%)
$8.95
52W Range
$44.99
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 17, 2026
Market cap
$1.21B
P/E
15.82
ROE
13.0%
Profit margin
6.3%
Debt/Equity
1.47
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
80%
PGY presents a stark contrast between aggressive growth metrics and weak deterministic health. With a Piotroski F-Score of 4/9 and an intrinsic value of $6.51, the stock currently trades at a significant premium to its fundamental baseline despite an exceptionally low PEG ratio of 0.04. While analysts maintain a 'strong_buy' rating with a target of $26.45, the combination of heavy insider selling and a bearish technical trend suggests a high-risk profile. The company's extreme liquidity (Current Ratio 13.11) provides a safety net, but historical earnings volatility remains a primary concern.
Key Strengths
Extremely low PEG ratio (0.04) suggesting massive undervaluation relative to growth
Very attractive Forward P/E of 4.39
Exceptional short-term liquidity with a Current Ratio of 13.11
Consistent revenue growth (19.8% YoY, 16.46% Q/Q)
Strong analyst consensus with a target price ($26.45) well above current levels
Key Risks
Significant gap between current price ($14.71) and Intrinsic Value ($6.51)
Bearish insider sentiment with 11 sell transactions and 0 buys
High Debt/Equity ratio of 1.47
Extreme historical earnings volatility (surprises ranging from -1469% to +100%)
Poor long-term price performance (5Y change of -87.7%)
AI Fair Value Estimate
Based on comprehensive analysis
$11.06
-24.8% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
43
Moderate
60
75
30
50
0
AI Verdict
Speculative Value
Key drivers: PEG Ratio, Insider Selling, Piotroski F-Score, Revenue Growth
Confidence
85%
Value
60/100
Trades at a premium to Graham Number ($11.06) and Intrinsic Value ($6.51), but looks cheap on a forward-earnings basis.
Positives
- Low P/E
- Low P/S
- Low PEG
Watchpoints
- Price > Graham Number
- Price >> Intrinsic Value
Future
75/100
Growth rates are strong, but the ability to translate this into stable EPS is historically inconsistent.
Positives
- Strong YoY Revenue Growth
- Aggressive Analyst Price Targets
- Low Forward P/E
Watchpoints
- Unstable earnings track record
Past
30/100
Long-term shareholders have suffered significant losses; recent gains are a recovery from deep lows.
Positives
- Recent 1Y recovery (+58.3%)
Watchpoints
- Devastating 5Y return (-87.7%)
- Erratic quarterly earnings surprises
Health
50/100
Liquidity is excellent, but the Piotroski score indicates mediocre operational health.
Positives
- Very high Current and Quick ratios
Watchpoints
- Piotroski F-Score of 4/9 (Stable/Weak)
- Debt/Equity of 1.47
Dividend
0/100
Growth-oriented company with 0% payout ratio.
Positives
No standout positives identified.
Watchpoints
- No dividend paid
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$14.71
Analyst Target
$26.45
Upside/Downside
+79.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PGY and closest competitors.
Updated 2026-04-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PGY
Pagaya Technologies Ltd.
Primary
|
-87.7% | +33.7% | +58.3% | -46.9% | +33.9% | +23.2% |
|
ATEN
A10 Networks, Inc.
Peer
|
+81.3% | +15.7% | -9.5% | -5.8% | -3.4% | +0.4% |
|
INOD
Innodata Inc.
Peer
|
+412.7% | +348.7% | -3.8% | -57.3% | -20.7% | -7.5% |
|
HLIT
Harmonic Inc.
Peer
|
+20.7% | -37.1% | +11.1% | +0.4% | +4.4% | +6.0% |
|
GILT
Gilat Satellite Networks Ltd.
Peer
|
+82.3% | +258.8% | +193.6% | +26.1% | +4.2% | +8.7% |
PGY
Pagaya Technologies Ltd.
Primary
5Y
-87.7%
3Y
+33.7%
1Y
+58.3%
6M
-46.9%
1M
+33.9%
1W
+23.2%
ATE
A10 Networks, Inc.
Peer
5Y
+81.3%
3Y
+15.7%
1Y
-9.5%
6M
-5.8%
1M
-3.4%
1W
+0.4%
INO
Innodata Inc.
Peer
5Y
+412.7%
3Y
+348.7%
1Y
-3.8%
6M
-57.3%
1M
-20.7%
1W
-7.5%
HLI
Harmonic Inc.
Peer
5Y
+20.7%
3Y
-37.1%
1Y
+11.1%
6M
+0.4%
1M
+4.4%
1W
+6.0%
GIL
Gilat Satellite Networks Ltd.
Peer
5Y
+82.3%
3Y
+258.8%
1Y
+193.6%
6M
+26.1%
1M
+4.2%
1W
+8.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
15.82
Forward P/E
4.39
PEG Ratio
0.04
P/B Ratio
2.51
P/S Ratio
0.93
EV/Revenue
0.77
EV/EBITDA
3.69
Market Cap
$1.21B
Profitability
Profit margins and return metrics
Profit Margin
6.25%
Operating Margin
23.81%
Gross Margin
42.43%
ROE
12.96%
ROA
11.62%
Growth
Revenue and earnings growth rates
Revenue Growth
+19.8%
Earnings Growth
N/A
Q/Q Revenue Growth
+16.46%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.47
Moderate
Current Ratio
13.11
Strong
Quick Ratio
12.55
Excellent
Cash/Share
$14.31
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.3B
Gross Margin
40.8%
Op. Margin
20.5%
Net Margin
10.7%
Total Assets
$1.5B
Liabilities
$1.0B
Equity
$0.5B
Debt/Equity
2.06x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.1B
FCF Yield
96%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-07
$N/A
2026-02-09
$0.8
+4.4% surprise
2025-11-10
$1.02
+54.9% surprise
2025-08-07
$0.64
-5.0% surprise
Technology Sector Comparison
Comparing PGY against 383 companies in the Technology sector
(32 bullish, 137 neutral, 214 bearish)
P/E Ratio
15.82
This Stock
vs
97.74
Sector Avg
-83.8%
(Discount)
Return on Equity (ROE)
12.96%
This Stock
vs
-35.13%
Sector Avg
-136.9%
(Below Avg)
Profit Margin
6.25%
This Stock
vs
-11.73%
Sector Avg
-153.3%
(Weaker)
Debt to Equity
1.47
This Stock
vs
0.67
Sector Avg
+117.8%
(Higher)
Revenue Growth
19.8%
This Stock
vs
6431.4%
Sector Avg
-99.7%
(Slower)
Current Ratio
13.11
This Stock
vs
3.83
Sector Avg
+242.1%
(Stronger)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PGY
Pagaya Technologies Ltd.
|
NEUTRAL | $1.21B | 15.82 | 13.0% | 6.3% | $14.71 | |
|
ATEN
A10 Networks, Inc.
|
NEUTRAL | $1.25B | 25.19 | 23.9% | 17.8% | $17.38 | Compare |
|
INOD
Innodata Inc.
|
BEARISH | $1.16B | 38.67 | 37.8% | 12.8% | $35.58 | Compare |
|
HLIT
Harmonic Inc.
|
BEARISH | $1.09B | 975.0 | 0.3% | -12.0% | $9.75 | Compare |
|
GILT
Gilat Satellite Networks Ltd.
|
NEUTRAL | $1.34B | 52.24 | 5.1% | 4.6% | $17.76 | Compare |
PGY
Pagaya Technologies Ltd.
NEUTRAL
Mkt Cap
$1.2B
P/E
15.8
ROE
13.0%
Price
$14.71
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-01 | PERROS EVANGELOS | Chief Financial Officer | Sale | 13,004 | $147,465 |
| 2026-04-01 | PERROS EVANGELOS | Chief Financial Officer | Stock Award | 22,766 | - |
| 2026-03-12 | DAS SANJIV | President | Sale | 9,702 | $106,625 |
| 2026-03-12 | DAS SANJIV | President | Stock Award | 23,750 | - |
| 2026-03-12 | ROSEN TAMI | Officer and Director | Sale | 5,905 | $64,896 |
| 2026-03-12 | ROSEN TAMI | Officer and Director | Stock Award | 15,625 | - |
| 2026-03-12 | PERROS EVANGELOS | Chief Financial Officer | Sale | 8,425 | $92,591 |
| 2026-03-12 | PERROS EVANGELOS | Chief Financial Officer | Stock Award | 20,625 | - |
| 2026-03-02 | VIEIRA CORY | Officer | Sale | 2,490 | $27,191 |
| 2026-03-02 | VIEIRA CORY | Officer | Stock Award | 5,209 | - |
| 2026-01-05 | DAS SANJIV | President | Sale | 3,945 | $90,696 |
| 2026-01-05 | PERROS EVANGELOS | Chief Financial Officer | Sale | 9,750 | $224,152 |
| 2025-12-31 | DAS SANJIV | President | Stock Award | 8 | - |
| 2025-12-31 | PERROS EVANGELOS | Chief Financial Officer | Stock Award | 22,766 | - |
| 2025-12-19 | ROSEN TAMI | Officer and Director | Sale | 7,561 | $172,769 |
PERROS EVANGELOS
Chief Financial Officer
2026-04-01
13,004 shares
·
$147,465
PERROS EVANGELOS
Chief Financial Officer
2026-04-01
22,766 shares
DAS SANJIV
President
2026-03-12
9,702 shares
·
$106,625
DAS SANJIV
President
2026-03-12
23,750 shares
ROSEN TAMI
Officer and Director
2026-03-12
5,905 shares
·
$64,896
ROSEN TAMI
Officer and Director
2026-03-12
15,625 shares
PERROS EVANGELOS
Chief Financial Officer
2026-03-12
8,425 shares
·
$92,591
PERROS EVANGELOS
Chief Financial Officer
2026-03-12
20,625 shares
VIEIRA CORY
Officer
2026-03-02
2,490 shares
·
$27,191
VIEIRA CORY
Officer
2026-03-02
5,209 shares
DAS SANJIV
President
2026-01-05
3,945 shares
·
$90,696
PERROS EVANGELOS
Chief Financial Officer
2026-01-05
9,750 shares
·
$224,152
DAS SANJIV
President
2025-12-31
8 shares
PERROS EVANGELOS
Chief Financial Officer
2025-12-31
22,766 shares
ROSEN TAMI
Officer and Director
2025-12-19
7,561 shares
·
$172,769
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
11 analysts
Citigroup
2026-02-12
Buy
Buy
Jefferies
2026-02-10
Buy
Buy
Benchmark
2026-02-10
Buy
Buy
Canaccord Genuity
2026-02-10
Buy
Buy
Jefferies
2026-01-20
Buy
Buy
Keefe, Bruyette & Woods
2026-01-02
Outperform
Outperform
Canaccord Genuity
2025-11-11
Buy
Buy
Past News Coverage
Recent headlines mentioning PGY from our newsroom.
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