Pagaya Technologies Ltd. (PGY) Stock Price & Analysis

Pagaya Technologies Ltd. (PGY) closed at USD 20.81 on Thursday, October 29, 2026, up 1.66% on the day. The US market is currently closed (after-hours); this is not a live price.

The prior close was USD 20.47; the Oct 29, 2026 session ranged USD 17.01–21.15 on volume of 3,325,652 shares. Market capitalization is $1.74B, with a 52-week range of USD 10.4–29.75 (NCM). Source: Nexqual, retrieved October 29, 2026 at 20:26 UTC.

Also available as compact Markdown for AI agents: nexqual.com/PGY.md

Key facts (PGY)

• Last four reported quarters (through Jun 30, 2026): revenue $1.39B, net income $127M (9.1% margin) (SEC filings).
• Valuation: P/E 13.7x (avg 21.3x at the last 1 fiscal year-ends).
• Earnings quality: non-operating income -$80.0M vs operating income $345M over the last four quarters; P/E excluding non-operating income ≈8.4x (estimate: non-operating income taxed at the company's 0% effective rate).
• Insider open-market sales, last ~7 months: 21 Form 4 filings, $3.2M; 18 not under a Rule 10b5-1 plan ($2.8M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Insider open-market purchases, last ~7 months: 2 Form 4 filings, $501K; 0 by opportunistic insiders, 0 by routine insiders.
• Analysts: Buy (mean 1.82 on a 1–5 scale) (11 analysts), mean target USD 28.82 (range 23–36).
• Total return with dividends: 1Y -20.0% vs S&P 500 +14.4%; 5Y -82.7% vs S&P 500 +79.1%.
• Next earnings: 2026-10-29, EPS estimate USD 0.95, revenue estimate $376M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PGY)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (PGY)

P/E 13.7x · P/E ex non-operating (est.) ≈8.4x · P/S 1.3x · P/FCF 6.9x · P/B 2.9x · FCF yield 14.50% · Earnings yield 7.30%

P/E at fiscal year-ends: Dec 2025 21.3x.

Insider sales (SEC Form 4, open-market, last ~7 months) (PGY)

3 of 21 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Insider purchases (SEC Form 4, open-market, last ~7 months) (PGY)

2 purchases, $501K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.

Analysts (PGY)

Consensus Buy (mean 1.82 on a 1–5 scale), 11 analysts; mean target USD 28.82 (low 23, high 36).

Rating changes, last 120 days:

Total return (dividends reinvested) (PGY)

PGY earnings history and stock reaction

EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).

PGY recent SEC filings (last 120 days)

Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.

PGY suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Mar 2, 2026.

PGY analyst estimates and revisions

Key Statistics (as of October 29, 2026 at 20:26 UTC)

Technical Analysis (PGY)

Nexqual's technical model rates PGY "BUY" based on 5 bullish and 2 bearish signals across 127 daily candles, as of October 29, 2026 at 20:26 UTC.

Analyst Ratings (PGY)

Wall Street analysts rate PGY "Buy" based on 11 analysts, with a mean price target of USD 28.82 (range USD 23–36), per Nexqual as of October 29, 2026 at 20:26 UTC.

Earnings (PGY)

Recent Earnings History

Source: Nexqual, October 29, 2026 at 20:26 UTC.

Financials & Fundamentals (PGY)

Source: Nexqual, October 29, 2026 at 20:26 UTC.

Financial Health Score (PGY)

Nexqual rates Pagaya Technologies Ltd.'s overall financial health "Solid" across five dimensions, as of October 29, 2026 at 20:26 UTC.

Ownership (PGY)

Source: Nexqual, October 29, 2026 at 20:26 UTC.

Leadership (PGY)

Pagaya Technologies Ltd. is led by Gal Krubiner, CEO, Co-Founder & Director, per Nexqual as of October 29, 2026 at 20:26 UTC.

Major Backers & Investors (PGY)

Notable institutional backers of Pagaya Technologies Ltd. include Viola Ventures V.c. Management 4 Ltd. , Clal Insurance Enterprises Holdings Ltd, Millennium Management, according to Nexqual as of October 29, 2026 at 20:26 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 29, 2026 at 20:26 UTC.

From Pagaya Technologies Ltd.'s Latest SEC 10-K Filing (filed 2026-03-02)

Key Strengths & Strategy (as disclosed to the SEC)

• We rely on trade secret laws in the United States and other jurisdictions, as well as license agreements and other contractual protections, to protect our proprietary technology.
• We are also a party to various license agreements with third parties that typically grant us the right to use certain third-party technology in conjunction with our proprietary technology.
• Although we currently operate our business in an effort to ensure our business itself is not subject to extensive regulation, there is a risk that certain regulations could become applicable to us, including as we expand the functionality and use of our proprietary technology and network.
• We have built and continue to enhance a network connecting financial institutions and their customers with investors, which is designed to facilitate greater access to financial products and services for consumers.

Partnerships

• We integrate with our Partners via APIs, requiring limited upfront investment and resulting in minimal latency in the processing of applications.

Legal & Regulatory Risks (Item 1A, quoted)

• Litigation, regulatory actions, consumer complaints and compliance issues could subject us to significant fines, penalties, judgments, remediation costs and/or requirements resulting in increased expenses.
• We and our Partners may not always have been, and may not always be, in compliance with these and other applicable statutes, regulations, rules and other laws.
• Changes in laws or regulations relating to privacy, cybersecurity, data protection, or the protection, use or transfer of personal information, or any actual or perceived failure by us to comply with such laws and regulations or any other obligations relating to privacy, data protection, or the protection or transfer of personal information, could adversely affect our business.
• We may use AI/ML to assist us in making certain decisions, which is regulated by certain privacy laws.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 20:26 UTC. This page is informational and not investment advice.

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