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PGPGY

Pagaya Technologies Ltd.

$PGY·$1.7B·Software - Infrastructure·Technology
$20.91-3.4%YTD+0.6%1Y-48.0%
Price updated 7m ago·X counts updated 4d ago
PGPGY
$PGYPagaya Technologies Ltd.
$20.91-3.35%141 posts1×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $PGY on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

141X posts · last 7 days
Aug 31Sep 13
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $PGY's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 55% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-09-11

Pagaya Technologies is bullish on X — FHFA move framed as massive tailwind (end-of-monopoly), $21 called fundamental level from Nov/Dec anchor, and CEO added 32,830 shares to a muted reaction while a director's 1,265-share sell caused a 4% rip. Form 4 panic dismissed as sell-to-cover routine.

Read what X is saying about $PGY

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $PGY — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Comeback attemptWinding up for a moveAI verdict · as of 2026-09-17

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

AI-lending platform with FHFA tailwind and CEO buying — flat YTD but rebuilding.

Pagaya Technologies is the AI-based consumer lending platform flat YTD but down 48% over 12 months at 32% of 52w. FHFA action is framed as an end-of-monopoly tailwind, and the CEO added 32,830 shares to a muted reaction.

  • Business is profitable and compounding: Q1 revenue grew 12% YoY to $318M at 44% gross margin and 25% op margin, with an elite 19% FCF yield — profitability + growth + FCF is rare in this cohort.
  • The FHFA move is real: framed as end-of-monopoly in AI-underwriting, this opens PGY's addressable market — not a same-quarter tailwind, but a durable multi-year one.
  • Insider action: CEO addition plus small director trims (Rosen $144K, Dobres $12K on Sep 12) — net aligned-not-adversarial at 32% of 52w.

Nov 9: revenue growth above 10% and any FHFA framework commentary keeps the coil up; a soft print with no FHFA clarity confirms the tape's caution.

Agrees with X sentimentX is right that the FHFA move is framed as a durable tailwind, and CEO adding 32,830 shares is a real signal at 32% of 52w. The Form 4 panic dismissal on the small director sell-to-cover is fair — the aggregate insider action is aligned, which is the actual read that matters at these levels.

What to watch: The Nov 9 Q3 print — revenue growth staying above 10% and any explicit FHFA framework or addressable-market commentary. A soft print or no FHFA clarity confirms the tape's caution.

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

earnings within 60dregulatory tailwindinsider buying

Read the AI verdict on $PGY

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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

NBIS-PLTR sovereign AI partnership formalises a new infrastructure tier pairing GPU-dense compute with enterprise operating layers, pulling a valuation premium over legacy SaaS. Oracle's Ellison cancelling $7.5B in planned stock sales despite a 50% pullback signals insider conviction in OCI's cloud infrastructure growth trajectory; AI-native security and zero-trust platforms continue to outpace the broader software cohort.

What this means for $PGY

Neutral — proprietary AI models for consumer credit approval at bank and fintech partners; lending risk revenue is financial services, not infrastructure; AI is internal tooling.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-1.4%YTD
-6.9%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 $0.97

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 8 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.5B$1.4B – $1.5B$1.70$1.66 – $1.768
FY27$1.7B$1.7B – $1.8B$2.33$2.27 – $2.418
FY28$2.0B$1.9B – $2.0B$3.27$3.18 – $3.382

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.1.0×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.32%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.+8.1%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.+25.4%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 today4.7% 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.β5.375-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

SellSep 12Tami RosenDirector7.1K sh$144KSellSep 12Sanjiv DasPresident13.3K sh$269KSellSep 12Jonathan DobresCFO582 sh$12KSellSep 3Tami RosenDirector1.3K sh$29KSellSep 2Cory VieiraChief Accounting Officer3.1K sh$70KSellAug 3Tami RosenDirector28.2K sh$619KSellAug 3Sanjiv DasPresident21.3K sh$468KSellJun 25Jonathan DobresCFO403 sh$6KSellJun 25Sanjiv DasPresident14.0K sh$222KSellJun 25Cory VieiraChief Accounting Officer1.5K sh$23K
1–10 of 18
+ 21 other (12 exempts · 9 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

3New insider — initial holdingsSep 33
AI summary

Pagaya Technologies (PGY) filed a Form 3 for Jason Gardner, newly appointed director. Gardner reported zero beneficial ownership of Pagaya securities as of the filing date. The filing is marked as late.

8-KShareholder voteAug 188-K — Item 5.07: Shareholder vote
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 other (2 10-Qs · 2 proxys · 2 10-Ks · 1 ARS) in window

Recent news

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

Pagaya Signs Auto Forward Flow Agreement with Neuberger Specialty Finance Expanding Long-Term, Committed Capital Strategybusinesswire.com·1d agoPagaya Technologies Ltd. (PGY) Falls More Steeply Than Broader Market: What Investors Need to Knowzacks.com·2d ago6 Top Stocks With Strong Earnings Growth Trading Well Below 52-Week Highsseekingalpha.com·2d agoPagaya's AI Lending Flywheel Gains Speed: What's Next for PGY?zacks.com·2d agoPGY vs. ENVA: Which Technology-Driven Lending Stock Is the Better Buy?zacks.com·2d ago

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Voices on X · last 7 days

No standout posts about $PGY on X in the last 7 days.

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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