---
title: "Pagaya Technologies Ltd. (PGY.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/PGY.US.md"
symbol: "PGY.US"
name: "Pagaya Technologies Ltd."
industry: "Application Software"
datetime: "2026-05-20T14:15:23.235Z"
locales:
  - [en](https://longbridge.com/en/quote/PGY.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/PGY.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/PGY.US.md)
---

# Pagaya Technologies Ltd. (PGY.US)

## Company Overview

Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the transaction process. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.

| Item | Detail |
|------|--------|
| Industry | Application Software |
| Exchange | US Market |
| Website | [agaya.com](https://agaya.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:15.000Z

**Overall: B (0.28)**

**Industry**: Application Software

| Metric | Value |
|--------|-------|
| Industry Ranking | 47 / 278 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 23.43% |  |
| Net Profit YoY | 125.21% |  |
| P/B Ratio | 1.98 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 1047487442.88 |  |
| Revenue | 1329315000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 21.74% | A |
| Profit Margin | 7.39% | B |
| Gross Margin | 44.15% | B |
| Revenue YoY | 23.43% | A |
| Net Profit YoY | 125.21% | A |
| Total Assets YoY | 28.96% | A |
| Net Assets YoY | 22.17% | A |
| Cash Flow Margin | 263.21% | A |
| OCF YoY | 23.43% | A |
| Turnover | 0.91 | A |
| Gearing Ratio | 61.83% | D |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Pagaya Technologies Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "23.43%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "125.21%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.98",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "1047487442.88",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "1329315000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "21.74%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "7.39%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "44.15%",
          "rating": "B"
        },
        {
          "name": "Revenue YoY",
          "value": "23.43%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "125.21%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "28.96%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "22.17%",
          "rating": "A"
        },
        {
          "name": "Cash Flow Margin",
          "value": "263.21%",
          "rating": "A"
        },
        {
          "name": "OCF YoY",
          "value": "23.43%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "0.91",
          "rating": "A"
        },
        {
          "name": "Gearing Ratio",
          "value": "61.83%",
          "rating": "D"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 11.15 | 18/278 | 14.19 | 12.44 | 11.74 |
| PB | 1.98 | 77/278 | 6.32 | 4.21 | 2.28 |
| PS (TTM) | 0.79 | 38/278 | 2.01 | 1.46 | 0.85 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Palantir Tech (PLTR.US) | A | A | B | A | B | A |
| 02 | Appfolio (APPF.US) | A | B | A | A | B | A |
| 03 | Red Violet (RDVT.US) | A | B | B | A | B | A |
| 04 | Sagtec Global (SAGT.US) | B | A | A | A | A | A |
| 05 | CoreCard (CCRD.US) | B | A | A | A | A | A |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-19T04:00:00.000Z

Total Analysts: **10**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 8 | 80% |
| Overweight | 2 | 20% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 12.53 |
| Highest Target | 33.00 |
| Lowest Target | 20.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/PGY.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/PGY.US/norm.md)
- [Related News](https://longbridge.com/en/quote/PGY.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/PGY.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**