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PGPGY

Pagaya Technologies Ltd.

Hot onWhy it's trendingX chatter picking upMoving on elevated volumeStrong bullish X conversation
$PGY·$1.6B·Software - Infrastructure·Technology
$22.23+15.4%YTD-18.0%1Y-35.9%
Mentions · last 7 days
2026-07-25: 14 posts2026-07-26: 16 posts2026-07-27: 22 posts2026-07-28: 12 posts2026-07-29: 33 posts2026-07-30: 160 posts2026-07-31: 66 posts323+116%
Price updated 8m ago·X counts updated 3d ago
PGPGY
$PGYPagaya Technologies Ltd.
$22.24+15.39%323 posts+116%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $PGY, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-31

The move is getting stronger, with heavier trading behind it.

Pagaya just crushed Q2 by 200% and issued the largest personal-loan ABS since 2022 — the AI-underwriting platform is scaling into a raised guide.

Pagaya Technologies is an AI-driven credit-underwriting platform — the specific fintech that partners with banks and lenders to score consumer credit applications the bank would otherwise decline. This year has been a proper drawdown but the just-reported Q2 print reframes the setup.

  • The Q2 print was extraordinary: EPS of $1.07 versus $0.36 expected (a 200% beat) on revenue of $387M — the specific double beat with record net income and record network volume, and management raised full-year net income guidance on the print.
  • The capital-market signal is real: Pagaya issued a AAA-rated upsized $900M personal loan ABS (the largest since 2022, 37 unique investors) bringing 2026 total raises to $7.5B — the institutional endorsement that validates the underwriting model.
  • The fundamentals justify continued scale: FY26 consensus of $1.38 EPS growing to $1.94 in FY27, so at 13x trailing earnings PGY is priced for continued expansion — the exact setup where the just-raised guide should compress the multiple further even after today's +9% move.

The stock is at the 21st percentile of its 52-week range and above the 50-day but slightly below the 200-day — the coiling-into-accelerating pattern after today's beat. What extends the move is a Nov 9 Q3 print with continued network volume growth and any credit-loss trend commentary; what breaks the setup is a rise in charge-offs or a soft ABS issuance quarter that questions capital-market receptivity.

Agrees with X sentimentX's bull frame — PGY as a big winner alongside WMT/NOW/PKBK/AAPL heading into the Q2 earnings call, the AAA-rated $900M personal loan ABS (largest since 2022 with 37 investors), and 2026 total raises of $7.5B — is directly supported by the Q2 200% EPS beat, so agreeing is honest into a name where the fundamentals are inflecting sharply.

What to watch: The Nov 9 Q3 print — specifically network volume growth, charge-off trends, and any FY26 guide revision. Continued volume growth with stable credit extends the move; a charge-off spike or ABS issuance softening breaks the setup.

On the calendar: 2026-11-09 — Q3 2026 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment46 posts analyzed · as of 2026-08-01

Sentiment on Pagaya Technologies is aggressively bullish after Q2 crushed estimates (EPS $1.07 vs $0.72 est +49% beat, revenue $387M vs $357M est +8% beat, Adj EBITDA $124M +43% YoY, Net income $45M +145% YoY). Bulls cite the fresh $900M AAA-rated ABS transaction (largest since 2022), Pagaya as #1 US personal loan ABS issuer with AAA across personal/auto/POS, B. Riley raising PT to $36 (+92.5% upside), Citizens raising to $25, and conversations with >80% of top 25 US banks. 6th consecutive profitable quarter. Bears essentially quiet.

Read the AI verdict + X sentiment for $PGY

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What it does

Plain-English summary of the business — what they sell and how they make money.

Uses proprietary AI to help fintech and bank partners approve more consumer loan applications by expanding credit access.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Infrastructure sits in its cycle right now — and what that implies for $PGY.

Software - Infrastructure · Technology

No material change from last week — Enterprise software infrastructure is in a multiple compression phase (-16.

What this means for $PGY

Neutral — Uses proprietary AI to help fintech and bank partners approve more consumer loan applications by expanding credit access; limited read-through from software - infrastructure macro dynamics to this specific revenue mix.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-12.4%YTD
-15.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
13.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
17.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
21.8%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
19.4%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
21.6%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
41.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.8Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 30, 2026$0.49$0.32+52.1%
Q1 2026May 7, 2026$0.29$0.32-9.4%
Q4 2025Feb 9, 2026$0.36$0.34+5.2%
Q3 2025Nov 10, 2025$0.23$0.21+8.8%
Next earningsMon, Nov 9·consensus EPS $0.47

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$317.9M+12.5%44.2%25.2%$0.28$40.0M
Q4 FY25$321.0M+16.5%40.8%20.5%$0.42$76.7M
Q3 FY25$339.9M+36.3%41.0%23.5%$0.27$63.8M
Q2 FY25$317.7M+31.0%39.7%17.8%$0.20$53.5M

Forward consensus

3-year forecast · up to 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.5B$1.4B – $1.5B$1.49$1.42 – $1.567
FY27$1.7B$1.7B – $1.7B$1.98$1.89 – $2.086
FY28$1.9B$1.8B – $1.9B$2.80$2.68 – $2.942

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.2.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.26%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+19.7%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+7.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 48.0M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today14.9% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β5.345-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 25Cory VieiraChief Accounting Officer1.5K sh$23KSellJun 25Sanjiv DasPresident14.0K sh$222KBuyJun 24Gal KrubinerCEO16.2K sh$250KSellJun 22Tami RosenDirector9.9K sh$151KSellJun 12Sanjiv DasPresident13.3K sh$216KSellJun 12Evangelos PerrosFormer Officer11.6K sh$188KSellJun 12Tami RosenDirector5.7K sh$92KSellJun 2Cory VieiraChief Accounting Officer2.1K sh$32KSellApr 17Tami RosenDirector9.7K sh$147KSellApr 1Evangelos PerrosCFO13.0K sh$147K
1–10 of 14
+ 18 other (11 exempts · 7 awards) in window

See when $PGY insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJul 308-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

Pagaya Technologies Ltd. (Israel-incorporated fintech, Nasdaq: PGY) reported Q2 2026 financial results and released a shareholder letter on July 30, 2026 (signed by CEO Gal Krubiner). The press release (Exhibit 99.1) and shareholder letter (Exhibit 99.2) contain specific network volume, fee revenue, and EBITDA data; the filing body does not reproduce them. This is the routine quarterly earnings disclosure for the AI-driven consumer lending network platform.

3New insider — initial holdingsJun 163
AI summary

Jonathan Dobres, the newly-appointed CFO of Pagaya Technologies Ltd. (PGY), filed an initial Form 3 on June 16, 2026 reporting direct ownership of 6,309 Class A Ordinary Shares. He also holds 3,375 RSUs (March 2025 grant) and 8,929 RSUs (April 2026 grant) vesting quarterly, plus 3,893 vested but unexercised stock options at $10.68 expiring August 2031. Administrative initial ownership statement confirming the new CFO's starting equity position; no economic signal.

8-KOfficer or director changeMay 78-K — Item 2.02: Earnings release · Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
AI summary

PGY reported period ending 2026-05-07 financial results (8-K Item 2.02). Investors should review the full earnings press release and any management guidance for forward outlook.

8-KPress release / Reg FDFeb 98-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
+ 9 other (3 10-Ks · 2 10-Qs · 2 proxys · 1 ARS) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Pagaya Technologies Ltd. (PGY) Q2 2026 Earnings Call Transcriptseekingalpha.com·3d agoPagaya Technologies Q2 Earnings Call Highlightsmarketbeat.com·4d agoPagaya Is Processing More Loans, Earning Less per Dollar, and Making More Moneypymnts.com·4d agoPagaya Technologies Ltd. (PGY) Beats Q2 Earnings and Revenue Estimateszacks.com·4d agoPagaya Stock Rises After Q2 Double Beat, Record Net Income and Network Volumebenzinga.com·5d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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