Pagaya Technologies Stock Analysis

PGY Stock  USD 1.47  0.20  15.75%   
The main objective of Pagaya Technologies stock analysis is to determine its intrinsic value, which is an estimate of what Pagaya Technologies is worth, separate from its market price. There are two main types of Pagaya Technologies' stock analysis: fundamental analysis and technical analysis. Fundamental analysis focuses on the financial and economic factors that affect Pagaya Technologies' performance, such as revenue growth, earnings, and financial stability. Technical analysis, on the other hand, focuses on the price and volume data of Pagaya Technologies' stock to identify patterns and trends that may indicate its future price movements.
The Pagaya Technologies stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Pagaya Technologies is usually not traded on Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day. Pagaya Stock trading window is adjusted to America/New York timezone. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Pagaya Technologies' ongoing operational relationships across important fundamental and technical indicators.
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pagaya Technologies. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in price.
For more information on how to buy Pagaya Stock please use our How to Invest in Pagaya Technologies guide.

Pagaya Stock Analysis Notes

About 26.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.69. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Pagaya Technologies recorded a loss per share of 0.12. The entity had not issued any dividends in recent years. Pagaya Technologies Ltd. operates as a financial technology company in Israel, the United States, and the Cayman Islands. The company was founded in 2016 and is headquartered in Tel Aviv, Israel. Pagaya Technologies operates under SoftwareInfrastructure classification in the United States and is traded on NASDAQ Exchange. It employs 618 people. To find out more about Pagaya Technologies contact Gal Krubiner at 972 3 715 0920 or learn more at

Pagaya Technologies Quarterly Cost of Revenue

128.79 Million

Pagaya Technologies Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Pagaya Technologies' investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Pagaya Technologies or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Pagaya Technologies generated a negative expected return over the last 90 days
Pagaya Technologies has high historical volatility and very poor performance
Pagaya Technologies may become a speculative penny stock
Pagaya Technologies has high likelihood to experience some financial distress in the next 2 years
The company reported the last year's revenue of 685.41 M. Reported Net Loss for the year was (292.77 M) with profit before taxes, overhead, and interest of 297.84 M.
Pagaya Technologies has about 330.34 M in cash with (40 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 0.49.
Roughly 26.0% of the company outstanding shares are owned by corporate insiders
Latest headline from Pagaya Technologies Names Former Xerox Executive Nicole ... -

Pagaya Technologies Upcoming and Recent Events

Earnings reports are used by Pagaya Technologies to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: 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
21st of May 2024
Next Financial Report
31st of December 2023
Next Fiscal Quarter End
21st of February 2024
Next Fiscal Year End
30th of September 2023
Last Quarter Report
31st of December 2022
Last Financial Announcement

Pagaya Largest EPS Surprises

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.
Fiscal Date
Estimated EPS
Reported EPS
View All Earnings Estimates

Pagaya Technologies SEC Filings

SEC filings are important regulatory documents required of all public companies to provide to potential investors. Pagaya Technologies prospectus issued under the guidelines of SEC is a legal declaration of facts and statements to ensure that Pagaya Technologies investors are not misled. SEC filings are required by law to meet strict transparency standards and other important legal constraints. Although many companies may choose careful wording to disguise some material information, SEC filings make crucial Pagaya Technologies specific information freely available to individual and institutional investors to make a timely investment decision.

Pagaya Stock 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.
Last TransactionTypeSharesValue
Viola Ventures Vc Management 4 Ltd2023-09-30Common Shares98.1 M155 M
Clal Insurance Enterprises Holdings Ltd2023-09-30Common Shares28.1 M44.4 M
Millennium Management Llc2023-09-30Common SharesM9.4 M
Whale Rock Capital Management Llc2023-03-31Common Shares7.6 M7.7 M
Jtc Employer Solutions Trustee Ltd2023-09-30Common Shares2.8 M5.9 M
Ayrton Capital Llc2023-09-30Warrants16.7 K5.8 M
Tiger Global Management Llc2023-09-30Common Shares3.6 M5.6 M
Vk Services Llc2023-09-30Common Shares2.4 M3.7 M
Morgan Stanley2023-09-30Common Shares1.9 MM
Alyeska Investment Group Lp2023-09-30Common Shares1.6 M2.6 M
Capricorn Fund Managers Ltd2023-09-30Common Shares1.5 M2.4 M
Note, although Pagaya Technologies' institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Pagaya Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 1.05 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Pagaya Technologies's market, we take the total number of its shares issued and multiply it by Pagaya Technologies's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.

Pagaya Profitablity

Pagaya Technologies' profitability indicators refer to fundamental financial ratios that showcase Pagaya Technologies' ability to generate income relative to its revenue or operating costs. If, let's say, Pagaya Technologies is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Pagaya Technologies' executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Pagaya Technologies' profitability requires more research than a typical breakdown of Pagaya Technologies' financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Net Profit Margin of (0.19) %, which means that it does not effectively control expenditures or properly executes on its pricing strategies. This is way below average.
Last ReportedProjected for 2023
Return on Average Assets(0.39)(0.41)
Return on Average Equity(1.13)(1.17)
Return on Invested Capital(0.48)(0.51)
Return on Sales(0.38)(0.39)

Management Efficiency

Pagaya Technologies has Return on Asset of (0.034) % which means that on every $100 spent on assets, it lost $0.034. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of (0.2973) %, 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 Average Assets is likely to drop to -0.41 in 2023. Return on Average Equity is likely to drop to -1.17 in 2023. At this time, Pagaya Technologies' Asset Turnover is fairly stable as compared to the past year. Tangible Assets Book Value per Share is likely to rise to 2.42 in 2023, whereas Total Assets are likely to drop slightly above 905.1 M in 2023.
Last ReportedProjected for 2023
Book Value per Share 1.21  1.30 
Enterprise Value over EBIT(2.00)(2.16)
Enterprise Value over EBITDA(2.35)(2.54)
Price to Book Value 1.52  1.56 
Tangible Assets Book Value per Share 2.28  2.42 
Enterprise Value656.7 M638.9 M
Tangible Asset ValueB905.1 M
The analysis of Pagaya Technologies' management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Pagaya Technologies' future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Pagaya Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.

Technical Drivers

As of the 3rd of December, Pagaya Technologies holds the Variance of 36.88, risk adjusted performance of (0.06), and Coefficient Of Variation of (1,172). 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. Put it differently, you can use this information to find out if the company will indeed mirror its model of past market data, or the prices will eventually revert. We were able to analyze and collect data for thirteen technical drivers for Pagaya Technologies, which can be compared to its competitors. Please check Pagaya Technologies standard deviation and potential upside to decide if Pagaya Technologies is priced some-what accurately, providing market reflects its current price of 1.47 per share. Please also confirm Pagaya Technologies jensen alpha, which is currently at (0.58) to check out the company can sustain itself at a future point.

Pagaya Technologies Price Movement Analysis

Execute Study
The output start index for this execution was twenty-nine with a total number of output elements of thirty-two. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Pagaya Technologies middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Pagaya Technologies. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Pagaya Technologies Technical and Predictive Indicators

Pagaya Technologies Forecast Models

Pagaya Technologies' time-series forecasting models are one of many Pagaya Technologies' stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Pagaya Technologies' historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Pagaya Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Pagaya Technologies prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Pagaya shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Pagaya Technologies. By using and applying Pagaya Stock analysis, traders can create a robust methodology for identifying Pagaya entry and exit points for their positions.
Last ReportedProjected for 2023
EBITDA Margin(0.37)(0.38)
Gross Margin 0.40  0.41 
Profit Margin(0.42)(0.43)

Current Pagaya Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Pagaya analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Pagaya analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
Pagaya Technologies current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Pagaya analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Pagaya stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Pagaya Technologies, talking to its executives and customers, or listening to Pagaya conference calls.
Pagaya Analyst Advice Details

Pagaya Stock Analysis Indicators

Pagaya Technologies stock analysis indicators help investors evaluate how Pagaya Technologies stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Pagaya Technologies shares will generate the highest return on investment. By understating and applying Pagaya Technologies stock analysis, traders can identify Pagaya Technologies position entry and exit signals to maximize returns.
Begin Period Cash Flow204.6 M
Long Term Debt92.8 M
Common Stock Shares Outstanding679.4 M
Total Stockholder Equity553.5 M
Total Cashflows From Investing Activities-265.4 M
Tax Provision16.4 M
Property Plant And Equipment Net92.7 M
Cash And Short Term Investments310.8 M
Cash309.8 M
Accounts Payable1.7 M
Net Debt-97.5 M
50 Day M A1.3672
Total Current Liabilities128 M
Other Operating ExpensesB
Non Current Assets Total625.3 M
Non Currrent Assets Other38 M
Stock Based Compensation241.7 M
When determining whether Pagaya Technologies is a strong investment it is important to analyze Pagaya Technologies' competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Pagaya Technologies' future performance. For an informed investment choice regarding Pagaya Stock, refer to the following important reports:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pagaya Technologies. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in price.
For more information on how to buy Pagaya Stock please use our How to Invest in Pagaya Technologies guide.
Note that the Pagaya Technologies information on this page should be used as a complementary analysis to other Pagaya Technologies' statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Cryptocurrency Center module to build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency.

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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.
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Is Pagaya Technologies' industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Pagaya Technologies. If investors know Pagaya will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Pagaya Technologies listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Earnings Share
Revenue Per Share
Quarterly Revenue Growth
Return On Assets
Return On Equity
The market value of Pagaya Technologies is measured differently than its book value, which is the value of Pagaya that is recorded on the company's balance sheet. Investors also form their own opinion of Pagaya Technologies' value that differs from its market value or its book value, called intrinsic value, which is Pagaya Technologies' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Pagaya Technologies' market value can be influenced by many factors that don't directly affect Pagaya Technologies' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Pagaya Technologies' value and its price as these two are different measures arrived at by different means. Investors typically determine if Pagaya Technologies is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Pagaya Technologies' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.