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NASDAQ · Software - Infrastructure · USD

Pagaya Technologies Ltd. (PGY) Stock Analysis

Pagaya Technologies Ltd. (PGY) is a Software - Infrastructure stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

PGY

$19.06

+$0.72 (+3.93%)

Oct 21, 2026 · Market close

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Price History

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PGY Key Statistics

As of Oct 21, 2026
Trading
Open
$18.67
Previous Close
$18.34
Day's Range
18.44–19.27
52-Week Range
10.40–31.06
Volume
1.37M
Valuation
Market Cap
$1.59B
P/E Ratio
13.81
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
4.64
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
0.03
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.14
EPS (ttm)Profit attributable to each share over the last twelve months.
1.38
Financials (FY)
Revenue (FY)
$1.26B+25.56%
Net Income (FY)
$81.39M
Profit marginThe share of revenue left as profit after all costs and taxes.
9.12%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
72.14M
1-Year Return
−34.77%
Dividend and dates
Earnings Date
October 29, 2026
Avg Volume
2.53M

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, PGY closed at $19.06, −34.77% over 1 year.

Pagaya Technologies Ltd. (PGY) has a market capitalization of $1.59B.

In fiscal 2025, PGY reported revenue of $1.26B.

PGY Stock Return by Calendar Year

Pagaya Technologies Ltd. (PGY) return since Apr 2021: what $10,000 became

1 year
$10,000 $6,523
−34.77%
5 years
$10,000 $1,600
−84.00%
Since Apr 2021
$10,000 $1,588
−84.12%

If you had invested $10,000 in Pagaya Technologies Ltd. (PGY) at the close on April 21, 2021, the earliest close on record here, it would have been worth $1,588 at the close on October 21, 2026: −84.12% in total, −28.43% a year, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−8.80%
2025+124.97%
2024−43.90%
2023+11.29%
2022−87.51%
2021 (partial year)−0.70%

As of October 21, 2026.

PGY Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$1.26B$81.39M6.5%
2024$1.00B−$401.41M−40.0%
2023$772.81M−$128.44M−16.6%
2022$685.41M−$302.32M−44.1%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$1.26B$512.17M$223.81M$81.39M6.5%
2024$1.00B$406.90M$39.14M−$401.41M−40.0%
2023$772.81M$263.87M−$63.64M−$128.44M−16.6%
2022$685.41M$234.33M−$315.02M−$302.32M−44.1%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

PGY Valuation vs Software - Infrastructure Median

Median of 182 stocks
MetricPGYSoftware - Infrastructure medianvs median
P/E13.8130.1754% below
P/S ratio1.143.2765% below
Profit margin9.12%2.53%6.6 pts above

Medians across 182 Software - Infrastructure stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The market values Pagaya Technologies Ltd. (PGY) at $1.59B. It is classified in the Software - Infrastructure industry, within the Technology sector. Headcount on file is 493.

The most recent close on file for PGY is $19.06, dated October 21, 2026. That is +$0.72 (+3.93%) against the previous close. The 52-week range on file runs from $10.40 to $31.06. The latest close sits 83.27% above that 52-week low.

Financial Health

In fiscal 2025, Pagaya Technologies Ltd. reported revenue of $1.26B. That is +25.56% against the prior fiscal year, when revenue was $1.00B. The same year closed with net income of $81.39M. The reported profit margin is 9.12%. That is 6.6 percentage points above the Software - Infrastructure median of 2.53%. Trailing earnings per share are 1.38.

Across the 4 fiscal years on file, revenue moves from $685.41M in 2022 to $1.26B in 2025. Of those 4 years, 1 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 13.81. That is 54.22% below the Software - Infrastructure median of 30.17. The forward P/E on file is 4.64. The PEG ratio, which sets the P/E against expected earnings growth, reads 0.03. The price-to-sales ratio is 1.14. On price-to-sales that is 64.98% below the Software - Infrastructure median of 3.27. 182 Software - Infrastructure companies report these metrics, and the medians quoted come from that group.

Annualized volatility over the trailing 5 years is 131.5%. The trailing one-year total return is −34.77%. Measured over 5 years, that is −30.68% a year compounded.

Growth & Income

No dividend is on file for PGY.

The strongest complete calendar year on file is 2025 at +124.97%; the weakest is 2022 at −87.51%. Of the 4 complete calendar years on file, 2 finished higher. 2026 is still running; the total return is −8.80% year to date.

Peer Comparison

Pagaya Technologies Ltd. (PGY) operates in the Software - Infrastructure industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Pagaya Technologies Ltd. PGY $1.59B 13.8
Microsoft Corporation MSFT $3.96T 29.7
Palantir Technologies Inc. PLTR $484.74B 173.9
Oracle Corporation ORCL $391.46B 20.2

The Software - Infrastructure industry average P/E ratio is 30.2x. Pagaya Technologies Ltd. trades at a P/E of 13.8.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Pagaya Technologies Ltd.

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.

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