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PGY Stock Forecast: Pagaya Technologies Ltd. Price Predictions for 2026-2027

Last close, 30 Oct 2026
$19
−7.59% on the day

The 11 Wall Street analysts covering Pagaya Technologies Ltd. hold a median 12-month price target of $27 — +40.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 62 of 100 as at 30 Oct 2026 — in the upper half.

Market cap
$1.7B
Ticker Nerd rank
62/ 100
Median analyst target
$27
Analysts covering
11
Revenue$365.6M+15.1% y/y
Operating income$84.4M
Net income$42.3M
Free cash flow$71.3M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+0.8%
1M
+11.0%
YTD
−8.0%
1Y
−26.0%
From 52W high
−30.8%
From 52W low
+80.7%
$11
$28
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

PGY stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Pagaya Technologies Ltd. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 30 Oct 2026
62/ 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Quality
98
Value
88
Revisions
86
Growth
84
Size
38
Momentum
29
Volatility
25
Issuance
17
Accruals
14

Quality (98): The business earns solid, repeatable profits on what it owns.

Accruals (14): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.

Wall Street

PGY stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on PGY, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$10$15$20$25$30$35Jan 26Apr 26Jul 26Oct 26PGYHigh $36Median $27Low $23

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says11 analysts
11 Buy0 Hold0 Sell
Low $23Median $27High $36

The green dot is the last close — the median target sits +40.4% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 4 moved their price target up and 1 moved it down.

DateFirmActionRatingTarget
6 Oct 2026TD CowenMaintainsBuy$26 → $25
29 Sept 2026StoneXReiteratesBuy$33
18 Aug 2026JefferiesMaintainsBuy$23 → $27
18 Aug 2026JefferiesMaintainsBuy—
31 July 2026B. Riley SecuritiesMaintainsBuy$32 → $36
31 July 2026B. Riley SecuritiesMaintainsBuy—
31 July 2026Canaccord GenuityMaintainsBuy$32 → $36
31 July 2026Canaccord GenuityMaintainsBuy—
31 July 2026CitizensMaintainsMarket Outperform$22 → $25
31 July 2026CitizensMaintainsMarket Outperform—
18 May 2026Canaccord GenuityMaintainsBuy$32
18 May 2026Canaccord GenuityMaintainsBuy—
12 Feb 2026CitigroupMaintainsBuy—
10 Feb 2026BenchmarkMaintainsBuy—
10 Feb 2026Canaccord GenuityMaintainsBuy—
10 Feb 2026JefferiesMaintainsBuy—
20 Jan 2026JefferiesMaintainsBuy—
2 Jan 2026Keefe, Bruyette & WoodsMaintainsOutperform—
11 Nov 2025Canaccord GenuityMaintainsBuy—
1 Oct 2025BenchmarkReiteratesBuy—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

PGY appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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The AI build-out map
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  • AI cloud capacity

    MSFTAMZNGOOGLORCL

  • AI chips

    NVDAAVGOAMDMU

  • AI networking and serversIn full

    ANETDELLLITECRDO

  • Data centre power

    VRTCEGGEVVST

Performance

PGY vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 30 Oct 2026, Pagaya Technologies Ltd. returned −26.0% against +12.4% for the S&P 500, dividends included.

PGY vs S&P 500, last 12 monthsTotal return, rebased to 100
406080100120Jan 26Apr 26Jul 26Oct 26PGYS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

PGY analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+20.7%
Analysts raising
2
Analysts cutting
4
Fundamentals

Pagaya Technologies Ltd. (PGY) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
15.1×

Cheaper than 46% of US stocks

Price / sales
1.2×

Cheaper than 63% of US stocks

Price / book
3.6×

Cheaper than 27% of US stocks

EV / EBITDA
4.1×

Cheaper than 55% of US stocks

Growth & margins
Revenue growth (YoY)
18.6%

Higher than 67% of US stocks

Earnings growth (YoY)
171.8%

Higher than 89% of US stocks

Gross margin
40.2%

Higher than 49% of US stocks

Operating margin
27.3%

Higher than 85% of US stocks

Net margin
9.1%

Higher than 68% of US stocks

Returns & dividend
Return on equity
19.5%

Higher than 80% of US stocks

Return on assets
14.0%

Higher than 96% of US stocks

Dividend yield
0.0%

Higher than 1% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Pagaya Technologies Ltd. (PGY) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Pagaya Technologies Ltd. has a market value of $1.7B and an enterprise value of $1.4B.

  • Revenue in the twelve months to 30 June 2026: $1.3B. The latest quarter grew 18.6% year on year.

  • Net income over the same four quarters: $118.8M, a 9.0% net margin.

  • Diluted earnings per share, trailing twelve months: $1.37.

  • Free cash flow in the twelve months to 30 June 2026: $251.8M.

  • Shares outstanding: 83.3M.

  • Trailing P/E: 15.1×; forward P/E: 5.1× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 0.00%, paying out 0% of earnings.

  • Pagaya Technologies Ltd. employs 493 people — $2.7M of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 30 Oct 2026

Data provided by Twelve Data

Peers

PGY vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelSoftware - Infrastructure
CompanyMarket capTKN rank
PGYPagaya Technologies Ltd.$1.7B62
BANDBandwidth, Inc.$1.5B64
RDWRRadware Ltd.$1.5B97
NYAXNayax Ltd. (Israel)$1.7B—
ATENA10 Networks, Inc.$1.8B83
AIC3.ai, Inc.$1.8B27
EVTCEVERTEC, Inc.$1.9B56

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Pagaya Technologies Ltd. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest PGY news & analysis

Pagaya Technologies: Stuck In The Fintech Discount Isle

Seeking Alpha · 30 Oct 2026positive

Seeking Alpha describes Pagaya as undervalued, citing 11% Q3 revenue growth and a 29% year-over-year increase in network loan volume. It also notes management’s efforts to address margin compression, new partnerships, $2 billion in committed capital, and a robust partner pipeline.

Why it matters — The reported growth, capital commitments, and margin measures are relevant to investors tracking PGY’s business momentum and credit-cycle resilience.

PGY Gains as Q3 Earnings Beat on Record Revenues, Raises 2026 View

Zacks Investment Research · 30 Oct 2026positive

Pagaya reported third-quarter earnings above estimates, with record revenues and network volumes. Management raised its full-year net income outlook.

Why it matters — The results and updated outlook provide PGY watchers with information about the company’s recent performance and management’s expectations.

Pagaya: I Was Wrong On Profitability, Upgrading To Hold

Seeking Alpha · 30 Oct 2026positive

Pagaya reported Q3’26 GAAP diluted EPS of $0.52 and adjusted EPS of $1.07, both above consensus, and raised its 2026 income guidance to $162–$182 million. Network volume grew 29% to $3.6 billion, while Q4’26 volume guidance was lower; the company said it continues to prioritize unit economics amid higher funding costs.

Why it matters — PGY watchers may note the higher income guidance and earnings beat alongside slower expected near-term volume and the focus on unit economics.

Pagaya Technologies Q3 Earnings Call Highlights

MarketBeat · 29 Oct 2026positive

Pagaya Technologies reported record third-quarter GAAP net income of nearly $50 million. Network volume increased 29% year over year to $3.6 billion, while operating expenses remained largely flat.

Why it matters — The results highlight PGY’s earnings, network-volume growth, and operating-expense trends for investors following the company.

Pagaya Technologies Ltd. (PGY) Q3 2026 Earnings Call Transcript

Seeking Alpha · 29 Oct 2026neutral

The item is a transcript of Pagaya Technologies Ltd.’s Q3 2026 earnings call. The excerpt provides no details about the call’s discussion or results.

Why it matters — PGY watchers may note the availability of the company’s quarterly earnings-call transcript, but the provided excerpt does not indicate what was discussed.

FAQ

Frequently asked questions about PGY stock

What is the PGY stock price forecast for 2026-2027?

The 11 Wall Street analysts covering Pagaya Technologies Ltd. have a median 12-month price target of $27, with estimates ranging from $23 to $36. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is PGY stock a buy right now?

Of the 11 analysts covering Pagaya Technologies Ltd., 11 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Pagaya Technologies Ltd. 62 out of 100 across roughly 4,600 US stocks as at 30 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank PGY?

As at 30 Oct 2026, Pagaya Technologies Ltd. ranks 62 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Quality (98 of 100).

Will PGY stock go up?

No one can know that. What the data says: the median 12-month target from 11 analysts implies +40.4% from the last close, and Ticker Nerd's factor model ranks Pagaya Technologies Ltd. 62 out of 100 as at 30 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the PGY stock forecast for 2030?

No analyst covering Pagaya Technologies Ltd. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for PGY are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $23 to $36 over the next 12 months.

How has PGY stock performed over the past year?

Pagaya Technologies Ltd. returned -26.0% over the 12 months to 30 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Pagaya Technologies Ltd. do?

Pagaya Technologies Ltd. Class A Ordinary Shares represents the publicly traded equity of Pagaya Technologies, a product-focused technology company that applies data science and proprietary artificial intelligence to financial services.

What is the latest news on PGY?

The most recent item we track (Seeking Alpha, 30 Oct 2026): "Pagaya Technologies: Stuck In The Fintech Discount Isle". Seeking Alpha describes Pagaya as undervalued, citing 11% Q3 revenue growth and a 29% year-over-year increase in network loan volume. It also notes management’s efforts to address margin compression, new partnerships, $2 billion in committed capital, and a robust partner pipeline.

Company

About Pagaya Technologies Ltd.

Pagaya Technologies Ltd. Class A Ordinary Shares represents the publicly traded equity of Pagaya Technologies, a product-focused technology company that applies data science and proprietary artificial intelligence to financial services. Pagaya develops technology solutions used by lenders and other financial institutions to improve credit decisioning, automate underwriting workflows, and support consumer lending products across personal loans, auto finance, and point-of-sale financing. The company also works with institutional and sophisticated investors through asset-backed financing structures and related capital markets activities. Pagaya’s platform is designed to help partners access scalable lending infrastructure while broadening opportunities to reach borrowers through digital channels. The Class A Ordinary Shares reflect the market’s view of a business operating at the intersection of financial technology, consumer credit, and data-driven lending infrastructure.

CEO Mr. Gal Krubiner · 493 employees · United States · https://pagaya.com