Is Pagaya Technologies Stock a Good Investment?
Pagaya Technologies Investment Advice | PGY |
- Examine Pagaya Technologies' financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Pagaya Technologies' leadership team and their track record. Good management can help Pagaya Technologies navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Systems Software space and any emerging trends that could impact Pagaya Technologies' business and its evolving consumer preferences.
- Compare Pagaya Technologies' performance and market position to its competitors. Analyze how Pagaya Technologies is positioned in terms of product offerings, innovation, and market share.
- Check if Pagaya Technologies pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Pagaya Technologies' stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Pagaya Technologies stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Pagaya Technologies is a good investment.
Sell | Buy |
Strong Sell
Market Performance | Very Weak | Details | |
Volatility | Unstable | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Average | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Inapplicable | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Pagaya Technologies Stock
Researching Pagaya Technologies' stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 16.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.74. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Pagaya Technologies has Price/Earnings To Growth (PEG) ratio of 0.1. The entity recorded a loss per share of 2.58. The firm had not issued any dividends in recent years. Pagaya Technologies had 1:12 split on the 8th of March 2024.
To determine if Pagaya Technologies is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Pagaya Technologies' research are outlined below:
| Pagaya Technologies generated a negative expected return over the last 90 days | |
| Pagaya Technologies has high historical volatility and very poor performance | |
| Pagaya Technologies has high likelihood to experience some financial distress in the next 2 years | |
| The company reported the last year's revenue of 772.81 M. Reported Net Loss for the year was (128.44 M) with profit before taxes, overhead, and interest of 297.84 M. | |
| Pagaya Technologies has a poor financial position based on the latest SEC disclosures | |
| About 16.0% of the company outstanding shares are owned by corporate insiders | |
| Latest headline from MacroaxisInsider: Disposition of 5448 shares by Evangelos Perros of Pagaya Technologies at 51.36 subject to Rule 16b-3 |
Pagaya Technologies Quarterly Cost Of Revenue |
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Pagaya Technologies uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Pagaya Technologies. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Pagaya Technologies' previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 21st of February 2024 Upcoming Quarterly Report | View | |
| 21st of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 21st of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Pagaya Technologies' stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Pagaya Technologies' investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2023-11-02 | 2023-09-30 | -0.02 | -0.03 | -0.01 | 50 | ||
2023-08-10 | 2023-06-30 | -0.02 | -0.04 | -0.02 | 100 | ||
2023-02-15 | 2022-12-31 | -0.08 | -0.05 | 0.03 | 37 | ||
2023-05-16 | 2023-03-31 | -0.03 | -0.09 | -0.06 | 200 | ||
2024-02-21 | 2023-12-31 | -0.17 | -0.24 | -0.07 | 41 | ||
2024-05-09 | 2024-03-31 | -0.03 | -0.11 | -0.08 | 266 | ||
2022-11-10 | 2022-09-30 | -0.03 | -0.11 | -0.08 | 266 | ||
2024-11-12 | 2024-09-30 | -0.19 | -0.9278 | -0.7378 | 388 |
Know Pagaya Technologies' Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Pagaya Technologies is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Pagaya Technologies backward and forwards among themselves. Pagaya Technologies' institutional investor refers to the entity that pools money to purchase Pagaya Technologies' securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Geode Capital Management, Llc | 2024-09-30 | 597 K | Alpine Partners Vi, Llc | 2024-09-30 | 570 K | Fmr Inc | 2024-09-30 | 524.6 K | Squarepoint Ops Llc | 2024-09-30 | 516.9 K | Manatuck Hill Partners Llc | 2024-09-30 | 500 K | Millennium Management Llc | 2024-09-30 | 371.5 K | Point72 Asset Management, L.p. | 2024-09-30 | 311.9 K | Vanguard Group Inc | 2024-09-30 | 300 K | Schonfeld Strategic Advisors Llc | 2024-09-30 | 297.4 K | Viola Ventures Vc Management 4 Ltd | 2024-09-30 | 8.2 M | Blackrock Inc | 2024-06-30 | 3.3 M |
Pagaya Technologies' market capitalization trends
The company currently falls under 'Small-Cap' category with a total capitalization of 788.85 M.Market Cap |
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Pagaya Technologies' profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | (0.11) | (0.11) | |
| Return On Capital Employed | (0.02) | (0.02) | |
| Return On Assets | (0.11) | (0.11) | |
| Return On Equity | (0.23) | (0.24) |
Determining Pagaya Technologies' profitability involves analyzing its financial statements and using various financial metrics to determine if Pagaya Technologies is a good buy. For example, gross profit margin measures Pagaya Technologies' profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Pagaya Technologies' profitability and make more informed investment decisions.
Please note, the imprecision that can be found in Pagaya Technologies' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Pagaya Technologies. Check Pagaya Technologies' Beneish M Score to see the likelihood of Pagaya Technologies' management manipulating its earnings.
Evaluate Pagaya Technologies' management efficiency
Pagaya Technologies has Return on Asset of 0.0221 % which means that on every $100 spent on assets, it made $0.0221 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of (0.3061) %, meaning that it generated no profit with money invested by stockholders. Pagaya Technologies' management efficiency ratios could be used to measure how well Pagaya Technologies manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to drop to -0.11 in 2024. Return On Capital Employed is likely to drop to -0.02 in 2024. At this time, Pagaya Technologies' Net Tangible Assets are fairly stable compared to the past year. Non Current Assets Total is likely to rise to about 950.2 M in 2024, whereas Total Assets are likely to drop slightly above 683.5 M in 2024.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 11.09 | 8.07 | |
| Tangible Book Value Per Share | 10.87 | 7.62 | |
| Enterprise Value Over EBITDA | (50.00) | (52.50) | |
| Price Book Value Ratio | 1.78 | 1.69 | |
| Enterprise Value Multiple | (50.00) | (52.50) | |
| Price Fair Value | 1.78 | 1.69 | |
| Enterprise Value | 1.2 B | 1.3 B |
At Pagaya Technologies, effective management practices are pivotal to sustaining long-term profitability. We delve into financial metrics and market conditions to provide a comprehensive analysis of the stock's prospects.
Beta 6.363 |
Basic technical analysis of Pagaya Stock
As of the 3rd of December, Pagaya Technologies holds the Variance of 54.0, coefficient of variation of (4,619), and Risk Adjusted Performance of (0.01). Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pagaya Technologies, as well as the relationship between them.Pagaya Technologies' insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Pagaya Technologies insiders, such as employees or executives, is commonly permitted as long as it does not rely on Pagaya Technologies' material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Pagaya Technologies insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Understand Pagaya Technologies' technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Pagaya Technologies' various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.01) | |||
| Market Risk Adjusted Performance | (0.03) | |||
| Mean Deviation | 4.82 | |||
| Coefficient Of Variation | (4,619) | |||
| Standard Deviation | 7.35 | |||
| Variance | 54.0 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.66) | |||
| Total Risk Alpha | (1.27) | |||
| Treynor Ratio | (0.04) | |||
| Maximum Drawdown | 51.11 | |||
| Value At Risk | (8.48) | |||
| Potential Upside | 9.72 | |||
| Skewness | (1.93) | |||
| Kurtosis | 8.37 |
| Risk Adjusted Performance | (0.01) | |||
| Market Risk Adjusted Performance | (0.03) | |||
| Mean Deviation | 4.82 | |||
| Coefficient Of Variation | (4,619) | |||
| Standard Deviation | 7.35 | |||
| Variance | 54.0 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.66) | |||
| Total Risk Alpha | (1.27) | |||
| Treynor Ratio | (0.04) | |||
| Maximum Drawdown | 51.11 | |||
| Value At Risk | (8.48) | |||
| Potential Upside | 9.72 | |||
| Skewness | (1.93) | |||
| Kurtosis | 8.37 |
Consider Pagaya Technologies' intraday indicators
Pagaya Technologies intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Pagaya Technologies stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 65051.2 | |||
| Daily Balance Of Power | (0.71) | |||
| Rate Of Daily Change | 0.95 | |||
| Day Median Price | 10.58 | |||
| Day Typical Price | 10.49 | |||
| Price Action Indicator | (0.52) | |||
| Period Momentum Indicator | (0.50) | |||
| Relative Strength Index | 39.1 |
Pagaya Technologies Corporate Filings
| 21st of November 2024 Other Reports | ViewVerify | |
F4 | 18th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
13A | 13th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
8K | 12th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
Pagaya Stock media impact
Far too much social signal, news, headlines, and media speculation about Pagaya Technologies that are available to investors today. That information is available publicly through Pagaya media outlets and privately through word of mouth or via Pagaya internal channels. However, regardless of the origin, that massive amount of Pagaya data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Pagaya Technologies news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Pagaya Technologies relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Pagaya Technologies' headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Pagaya Technologies alpha.
Pagaya Technologies Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Pagaya Technologies can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Pagaya Technologies Corporate Management
| Tami Rosen | Chief Officer | Profile | |
| Ashok Vaswani | President | Profile | |
| Yahav Yulzari | CoFounder Officer | Profile | |
| Edward Mallon | Chief Officer | Profile | |
| Gal Krubiner | CoFounder CEO | Profile | |
| Abhijit Chaudhary | Chief Officer | Profile |
Additional Tools for Pagaya Stock Analysis
When running Pagaya Technologies' price analysis, check to measure Pagaya Technologies' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pagaya Technologies is operating at the current time. Most of Pagaya Technologies' value examination focuses on studying past and present price action to predict the probability of Pagaya Technologies' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pagaya Technologies' price. Additionally, you may evaluate how the addition of Pagaya Technologies to your portfolios can decrease your overall portfolio volatility.