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Pagaya Technologies Ltd. PGY
Pagaya Technologies Ltd. (PGY) earns a Piotroski F-score of 5/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $1.3B at a 6.3% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PGY | Pagaya Technologies Ltd. | 5/9 | — | 16.2 | +26.1% |
| WD | Walker & Dunlop, Inc. | 1/9 | — | 31.6 | +9% |
| XYF | X Financial | 5/9 | — | — | +35.8% |
| UPST | Upstart Holdings, Inc. | 3/9 | — | 57.6 | +64% |
| OPRT | Oportun Financial Corp | 4/9 | — | 10.4 | -4.5% |
| MARA | MARA Holdings, Inc. | 2/9 | -0.64 | — | +38.2% |
| JFIN | Jiayin Group Inc. | 3/9 | 6.18 | — | +12% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is PGY financially healthy?
Pagaya Technologies Ltd.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does PGY pay a dividend?
No, Pagaya Technologies Ltd. does not currently pay a dividend.
How profitable is PGY?
In FY2025, Pagaya Technologies Ltd. had a net margin of 6.3% and a return on equity of 14.7%.
What is PGY's P/E ratio?
Pagaya Technologies Ltd.'s trailing price-to-earnings (P/E) ratio is about 16.2×, based on its latest annual earnings.
What is the analyst price target for PGY?
The average Wall-Street price target for Pagaya Technologies Ltd. is $26.90, about 32.4% above the recent price, from 10 analysts (consensus: strong buy).
Is PGY a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Pagaya Technologies Ltd.: a Piotroski F-score of 5/9, a P/E of about 16.2×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.