Pagaya's Selloff Looks Detached From Reality [Seeking Alpha]
Pagaya Technologies Ltd. - Class A Ordinary Shares (PGY)
Company Research
Source: Seeking Alpha
PGY's Q3 2025 results showed $350M revenue (+36% YoY), improved margins, and its third consecutive GAAP net income quarter. Operating leverage is real: adjusted EBITDA hit $107M (30.6% margin vs. 21.8% prior), and GAAP net income was +$23M, third straight profitable quarter. Diversification reduces single-lane risk: POS and auto are ~32% of volume versus 9% last year, while partner stickiness improves via multi-product adoption. Valuation looks compressed at ~7.1x 2025 EPS and $51 target (~131% upside), but onboarding/delinquency risks remain. J Studios/DigitalVision via Getty Images Investment Rating - "Buy" Pagaya Technologies Ltd. ( PGY ) is a US-based small-cap fintech firm that is plugging its AI underwriting and data network into their existing loan-origination process to basically help banks and This article was written by Analyst's Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, but may initiate a benefi
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PGY
News
- Pagaya Technologies: Why This Capital-Light AI Powerhouse Is A Strong Buy [Seeking Alpha]Seeking Alpha
- Achieve and Pagaya Launch Partnership to Expand Access to Personal Loans [Yahoo! Finance]Yahoo! Finance
- Achieve and Pagaya Launch Partnership to Expand Access to Personal LoansPR Newswire
- Pagaya Announces New $500 Million Personal Loan ABS Transaction, Underscoring Strong Demand [Yahoo! Finance]Yahoo! Finance
- Pagaya Announces New $500 Million Personal Loan ABS Transaction, Underscoring Strong DemandBusiness Wire
PGY
Earnings
- 11/10/25 - Beat
PGY
Sec Filings
- 12/16/25 - Form 4
- 12/16/25 - Form 4
- 12/16/25 - Form 4
- PGY's page on the SEC website