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PGY · NASDAQ · Software - Infrastructure

Pagaya Technologies

Connects lending partners with institutional capital through AI-driven credit infrastructure.

$21.99

After-hours close+0.02 (+0.07%)

At close$21.97(−5.55%)

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Profile

Pagaya Technologies Ltd.PGYInformation Technology

Runs a one-segment AI credit network that helps partner lenders originate consumer loans and related assets, then routes funding through institutional capital channels. Personal loans remain the flagship area, with auto lending and point-of-sale expanding through partner integrations.

Provides AI credit infrastructure for partner lenders rather than operating as a consumer-facing bank. The network began in personal loans and now spans personal loans, auto loans, point-of-sale credit, and single-family rental assets, with capital solutions linking loan originators to institutional investors.

Operates from New York with a Tel Aviv presence and reports the business as one segment. Personal loans remain the flagship area, while auto and point-of-sale have become the main expansion channels in recent management commentary. Execution depends on partner API adoption, underwriting performance across credit cycles, and access to ABS, forward-flow, and other institutional funding channels.

Company facts

CEOGal Krubiner

ListedJun 23, 2022

ExchangeNASDAQ

HeadquartersNew York, NY

CountryIsrael

Employees518

CIK0001883085

ISINIL0011858912

Key statistics

Market cap$1.83B

EPS (ttm)$1.37

P/E (ttm)16.04

ROE24.5%

P/B3.08

P/S1.38

Dividend yield—

Beta3.24vs XLK −0.11

Year to date −1.4% · Average volume (30d) 2.8M

Analysts

Price target, next 12 months$30.00+36.5%Median of 13 analysts · vs the Aug 28 close

ConsensusBuy9 of 13 analysts rate it buy or better

Ratings

Strong buyBuyHoldSellStrong sell

Target range

Last close $21.98

High$33.00+50.1%

Median$30.00+36.5%

Low$27.00+22.8%

12 months agoNowIn 12 months

Latest analyst notes

Date	Firm	Action	Rating	Prior target	Target
Aug 18, 2026	Jefferies	Reiterate	Buy	$22	$27
Jul 27, 2026	Coker Palmer	Target		$21	$33
Jun 9, 2026	Jefferies	Target		$35	$22
Feb 10, 2026	New Street	Target			$32
Feb 9, 2026	Stephens	Target		$22	$25

Earnings

EPS

Estimate$0.97

ReportedDue Nov 9, 2026

Revenue

Estimate$382.3M

ReportedDue Nov 9, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Jul 30, 2026Q2 FY26	$0.32	$0.49	+52.1%	$356.0M	$387.0M	+8.7%	+8.96%
May 7, 2026Q1 FY26	$0.32	$0.28	−12.5%	$323.8M	$317.9M	−1.8%	−2.00%
Feb 9, 2026Q4 FY25	$0.34	$0.36	+5.2%	$349.4M	$334.8M	−4.2%	−3.59%
Nov 10, 2025Q3 FY25	$0.21	$0.23	+8.8%	$338.4M	$350.2M	+3.5%	+0.69%

View details

Financial highlights

	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
Revenue	$282.7M	$317.7M	$339.9M	$321.0M	$299.0M	$365.6M
Gross profit	$115.6M	$126.2M	$139.3M	$131.0M	$121.4M	$146.9M
Operating income	$40.4M	$47.8M	$69.7M	$65.9M	$61.1M	$84.4M
Net income	$7.9M	$16.7M	$22.5M	$34.3M	$24.7M	$45.3M
Diluted EPS	$0.10	$0.20	$0.23	$0.36	$0.29	$0.49
Gross margin	40.9%	39.7%	41.0%	40.8%	40.6%	40.2%
Operating margin	14.3%	15.0%	20.5%	20.5%	20.4%	23.1%

Fiscal years (4-quarter sums)FY21 $456.2M · FY22 $685.4M · FY23 $772.8M · FY24 $1.00B · FY25 $1.26B

Revenue by product · Q2 FY26

Financial Service$47.2M · 100%

Revenue by geography · FY25

United States$1.26B · 100%

Balance sheet, Jun 30, 2026Cash & short-term investments $1.29B · Total debt $907.3M · Total assets $1.69B · Shareholders' equity $594.2M

Dividends

No dividends on record.

Ownership

Institutions 42.98%35.85M sharesInsiders 7.91%6.60M sharesOther 49.11%40.97M shares

Shares outstanding 83.43M · Float 47.96M · 57.5% free float

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
Andrew W. Adams	4.22M	6.00%	13D	Sep 22, 2025
Yahav Yulzari · director, officer: Chief Business Officer	4.09M	4.90%	Form 4	Jun 25, 2025
Frontier Capital Management Co LLC	2.30M	2.75%	13F	Aug 14, 2026
Millennium Management LLC	2.29M	2.74%	13F	Aug 14, 2026
American Century Companies Inc	1.89M	2.26%	13F	Aug 12, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
Aug 3, 2026	Sanjiv Das	officer: President	−21,289	$22.00
Aug 3, 2026	Tami Rosen	director	−28,181	$21.98
Jun 25, 2026	Sanjiv Das	officer: President	−14,000	$15.83
Jun 25, 2026	Cory Vieira	officer: Chief Accounting Officer	−1,458	$15.83
Jun 24, 2026	Gal Krubiner	director, officer: Chief Executive Officer	+16,230	$15.43