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Stock·NASDAQ·Technology

Pagaya Technologies Ltd. Class A (PGY)

$17.50 +0.090 (+0.52%)
At close: Nov 6, 4:00 PM EST
Buy
66 / 100
CleaRank Financial AI scorei
Market cap
$1.47B
P/E
10.42
Dividend yield
No dividend
Street target
$27.00median of 11 analysts
52-week range
$10.40 $29.75
01

PGY stock forecast today

Where PGY stands today, and what CleaRank Financial AI makes of it.

PGY at a glance

Pagaya Technologies Ltd. Class A (PGY): Buy, 66/100 on CleaRank's AI score.

  • Trend Mixed: the price is above its 200-day but below its 50-day moving average ($16.38 and $19.32).
  • Earnings PGY beat estimates in 6 of its last 7 quarters, yet fell in the first session after 3 of those beats.
  • Insiders Insiders sold $19.7M and bought $501K over the last 18 months.
  • Valuation P/E of 10.4 against 35.1 for the Technology sector: a discount to peers (-70%).

Figures as of November 6, 2026.

CleaRank Financial AI

PGY carries a CleaRank rating of Buy and a model score of 66/100.

Analysts' views do the most to lift that score, with 11 of 11 rating the shares a buy and a median target 54.3% above the price. The trend is mixed, since PGY is 9.42% below its 50-day average of $19.32 but 6.82% above its 200-day average of $16.38. Looking back over the past year, the price fell 25.18%.

Only on CleaRank

Figures we compute ourselves from PGY's own price, earnings and insider-filing history. Tap one to see it in context.

02

PGY stock price and trading

The chart, today's range and how far the price has moved over each period.

2.0

Trend checks

2/4
  • Price below its 50-day average ›
    The price of $17.50 is 9.4% below the 50-day simple moving average of $19.32.
  • Price above its 200-day average ›
    The price is 6.8% above the 200-day simple moving average of $16.38.
  • 50-day average above the 200-day ›
    The 50-day average ($19.32) is 17.9% above the 200-day average ($16.38), the arrangement of a rising longer-term trend.
  • In the lower half of its 52-week range ›
    The price sits at 37% of its 52-week range, between $10.40 and $29.75.

PGY share price

Pick a period: each tab shows how far PGY has moved over it, to the last close.

Dec '25Feb '26Apr '26Jul '26Sep '26Nov '26
Start $23.39 Nov 6, 2025
Latest close $17.50 Nov 6, 2026
High $27.77 Nov 11, 2025
Low $10.64 Feb 23, 2026

Today's trading

Where PGY sits inside today's range and its 52-week range.

Day range 3.94% wide
$17.50
$17.04 $17.71
52-week range 37% of the way up
$17.50
$10.40 $29.75
Open
$17.53
Previous close
$17.41
Volume
1.73M
17% below average
Market cap
$1.47B
03

PGY fundamentals and valuation

Valuation against the sector, and the revenue and earnings behind it.

3.0

Valuation and quality checks

4/4
  • P/E below the sector median ›
    The trailing P/E of 10.42 is 70.3% below the Technology median of 35.1.
  • P/S below the sector median ›
    The price-to-sales ratio of 1.03 is 86.5% below the sector median of 7.6.
  • Profitable over the last 12 months ›
    Net income over the last 12 months was $149.9M on revenue of $1.4B, a net margin of 10.5%.
  • Beat estimates in most recent reports ›
    PGY beat the EPS estimate in 6 of its last 7 reports.

Key statistics

The headline figures for PGY.

Market Cap
1.47B
P/E Ratio
10.42
EPS (TTM)
$1.68
Dividend Yield
No dividend
52 Week High
29.75
52 Week Low
10.40

As of November 6, 2026, PGY trades at $17.50, with a market value of $1.47B and a P/E ratio of 10.42.

What the numbers say

CleaRank Financial AI's reading of PGY's valuation, growth and risks.

Valuation

On earnings, Pagaya Technologies Ltd. Class A (PGY) is valued at 10.42 times, against a median of 35.1 for Technology: a discount to peers, with the P/E 70.3% below that median. PGY trades at 1.03 times its sales, 86.4% below the sector median of 7.6. The company has a market capitalisation of $1.5B and trailing earnings of $1.68 a share.

Profitability shows a net margin of 10.5% and an operating margin of 28.82%, with a return on equity of 22.18%, above the sector median of 13.4%. The balance sheet rounds out the picture, with debt-to-equity of 1.42.

Earnings & Growth

EPS of $1.07 against an estimate of $1.00 made the October 29, 2026 report a beat of 7.00%. The market reacted the other way, with the stock falling 7.59% in the first session after the report.

The earnings record shows 6 beats in 7 reports, though the stock still fell in the first session after 3 of those 6 beats. The consensus EPS estimate stands at $3.80 for this fiscal year and $4.17 for next, growth of 14.7% for the current year.

Key risks

Day-to-day volatility is the first thing to plan around: PGY has moved 3.94% on a typical session. The price is 41.18% below its 52-week high of $29.75. Insiders sold $19.7M over the last 18 months and bought $501K, though sales of this kind are often planned in advance and say less than purchases would.

PGY against the Technology sector

How PGY compares with the median Technology stock CleaRank tracks.

P/E ratio 70% below the median
PGY
10.4x
Sector median
35.1x
P/S ratio 86% below the median
PGY
1.0x
Sector median
7.6x
Revenue growth, year on year 9.1 points below the median
PGY
15.1%
Sector median
24.2%
Return on equity 8.8 points above the median
PGY
22.2%
Sector median
13.4%

Price to earnings vs sector: PGY trades at a notable discount to sector peers (-70% against the sector median P/E). Investors are paying less for each dollar of earnings than for the typical stock in the sector.

Return vs XLK: Since May 28, 2025, PGY has gained 2.3% against a gain of 42.5% for XLK.

Performance against XLK

PGY and the Technology sector fund over the same days.

Jun '25Sep '25Jan '26Apr '26Aug '26Nov '26
PGY XLK

Revenue and earnings

How much PGY sells, and how much of it becomes profit.

Revenue, 12 months
$1.4B
Net income, 12 months
$150M
Net margin
10.5%
Revenue growth
+15.1%
Q2 '26, year on year
FY2021-16% marginFY2022-43% marginFY2023-25% marginFY2024-44% marginFY20256% margin
Revenue Net income

The quarterly bars end with Q2 '26 (the quarter to June 30, 2026); PGY reported again on October 29, 2026, and that quarter is not in our statement data yet. The 12-month figures come from the statistics feed and may include it.

Revenue growth: Revenue grew 25.6% in FY2025 to $1.3B, from $1.0B a year earlier.

Profit margin: The net margin was 5.7% in FY2025, up from -44.4% the year before.

Profitable: PGY earned $71.4M in FY2025.

Earnings reality check

Did PGY beat what analysts expected, and how did the stock react?

Beat the estimate
6 of 7
last 7 reports
Fell after a beat
3 of 6
first session after the report
Average surprise
+27.1%
actual EPS against the estimate
Avg. first-session move
+2.0%
the stock, after the report
EPS surprise
First-session move
May '25Aug '25Nov '25Feb '26May '26Jul '26Oct '26

Earnings record: PGY beat the analyst estimate in 6 of the last 7 quarters.

Market reaction: The stock fell in the first session after 3 of those 6 beats, so a beat has not been enough on its own.

PGY earnings surprises and the stock's reaction
Report Estimate Actual Surprise First session 5 sessions
Oct 29, 2026 $1.00 $1.07 +7.00% -7.59% -16.34%
Jul 30, 2026 $0.72 $1.07 +48.61% +9.24% +21.43%
May 7, 2026 $0.56 $0.73 +30.36% -2.00% -12.26%
Feb 9, 2026 $0.77 $0.80 +3.90% -3.59% -13.32%
Nov 10, 2025 $0.66 $1.02 +54.55% +0.69% -19.14%
Aug 7, 2025 $0.67 $0.64 -4.48% -6.37% +9.47%
May 7, 2025 $0.46 $0.69 +50.00% +23.29% +33.87%

As of November 6, 2026, PGY has beaten the analyst EPS estimate in 6 of its last 7 reported quarters and fell in the first trading session after 3 of those beats; its latest report, on October 29, 2026, came in 7.00% above the estimate and the stock moved -7.59% in the first session.

The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.

04

PGY AI analysis and technical indicators

CleaRank's score and reasoning, the indicators behind it, and what the price moves with.

4.0

Momentum checks

1/3
  • RSI not overbought or oversold ›
    The 14-day RSI is 43.4, in neutral territory.
  • RSI below 50 ›
    An RSI of 43.4 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.
  • MACD line below zero ›
    The MACD line is negative, so the 12-day average is below the 26-day average.

CleaRank Financial AI analysis of PGY

The score, the reasoning behind it, and what could move the price next.

Company's health
3/5
12-month analyst target
$27.00
+54.29% above price · median of 11 analysts
AI analyst consensus
66/100
Buy
What the AI sees

PGY presents a mixed trend picture. Trading at $17.50, the stock sits 9.42% below its 50-day average of $19.32, yet it is 6.82% above its 200-day average of $16.38. Across its 52-week range of $10.40 to $29.75, the price stands at 37%, which leaves it 41.18% below the high.

The price is down over each of these periods: 3.53% over the past month, 17.76% over the past three months and 25.18% over the past year. The 14-day RSI of 43.4 is in the neutral zone, and the MACD line is negative.

Catalysts
Rewards
  • Rating reaffirmed ›

    TD Cowen kept its Buy rating on October 30, 2026.

    Source: Analyst action, TD Cowen, October 30, 2026
Other events
  • Earnings beat, but the stock fell ›

    The October 29, 2026 report beat the EPS estimate by 7.00%, and the share price fell 7.59% in the first session after it.

    Source: Earnings report, October 29, 2026
ProTips
  1. Keep an eye on the two closest levels: the 20-day EMA at $18.59 sits above the price, and the 200-day SMA at $16.38 sits below it.
  2. The 14-day RSI reads 43.4, in the neutral zone, with the MACD line negative; readings above 70 or below 30 mark stretched momentum.
  3. The share price fell 7.59% in the first session after the October 29, 2026 report. Over the last 7 reports, PGY beat estimates in 6.
Market outlook

The trend is mixed: PGY is above its 200-day average at $16.38 but below its 50-day average at $19.32. A close above the 50-day would turn both signals up, and a close below the 200-day would turn both down. The nearest levels are the 200-day SMA at $16.38 below and the 20-day EMA at $18.59 above.

Technical indicators

Momentum and trend for PGY, from its daily closes.

Technical rating Neutral 1 of 4 signals bullish
  • RSI Neutral
  • SMA cross Bullish
  • Price vs SMA Bearish
  • MACD Bearish
Momentum Neutral
43.414-day RSI
Oversold <30 Neutral Overbought >70
MACD (12, 26) -0.182 Bearish
Trend Golden cross
-9.4%price against the 50-day average
200-day $16.38 50-day $19.32 Price $17.50
Price against the 200-day +6.8% Bullish

As of November 6, 2026, with PGY at $17.50, its 14-day RSI is 43.4 (neutral territory), its 50-day simple moving average is $19.32 and its 200-day is $16.38.

Calculated by CleaRank on daily closes as of November 6, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26). How we calculate these

What PGY moves with

Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.

-1 0 +1
S&P 500 (SPY) +0.47 Moderate
Nasdaq 100 (QQQ) +0.45 Moderate
Bitcoin (BTC) +0.38 Weak
Gold (XAU) +0.04 Weak

As of November 6, 2026, PGY's 1-year correlation of daily returns is +0.47 with S&P 500 (SPY), +0.45 with Nasdaq 100 (QQQ), +0.38 with Bitcoin (BTC) and +0.04 with gold (XAU).

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05

PGY price target and analyst forecast

The analysts' target range and how their ratings split.

5.0

Analysts checks

2/3
  • Most analysts rate it a buy ›
    11 of 11 analysts rate it a buy or strong buy, 0 a hold and 0 a sell.
  • Median target above the price ›
    The median 12-month target of $27.00 is 54.3% above the price.
  • Buy share not up from three months ago ›
    11 of 11 rate it a buy now, against 10 of 10 three months ago.

PGY Wall Street View

12-month price targets

Low $23.00 Median $27.00 (+54.3%) High $38.00

The price, $17.50, sits below every analyst's target.

Ratings

Buy 11 Hold 0 Sell 0 3 months ago: 10 of 10 buy

Recent rating actions

Recent analyst rating actions on PGY
Date Firm Action Rating
Oct 30, 2026 TD Cowen Maintains Buy
Oct 30, 2026 B. Riley Securities Reiterates Buy
Oct 6, 2026 TD Cowen Maintains Buy
Sep 29, 2026 StoneX Reiterates Buy
Aug 18, 2026 Jefferies Maintains Buy
Jul 31, 2026 B. Riley Securities Maintains Buy

As of November 6, 2026, 11 Wall Street analysts cover PGY: 11 rate it a buy or strong buy, 0 a hold and 0 a sell or strong sell. Their 12-month price targets range from $23.00 to $38.00. The median PGY price target is $27.00, 54.3% above the price of $17.50.

Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.

06

PGY risk and volatility

How much it moves day to day, and how it stacks up against similar assets.

Risk profile

How much PGY tends to move, against the market and on its own.

Daily volatility
3.94%
30-day standard deviation
52-week range
$17.50
$10.40 37% of the way up $29.75

Compare PGY

Put PGY side by side with other stocks and benchmarks.

07

PGY price history and drawdowns

PGY's worst falls and recoveries, what $10,000 became, and which months have been kind to it.

7.0

Track record checks

0/4
  • Typical daily move of 2% or more ›
    A typical daily move is 3.94% (the standard deviation of the last 30 daily returns).
  • Not yet recovered from its worst fall ›
    The worst fall was 97.8%, from August 2022 to December 2022; the price is still 95.1% below that peak.
  • Half or fewer of 1-year holds ended higher ›
    38% of 1-year holding periods in the last 6 years ended with a gain.
  • Trailed the S&P 500 since May 2021 ›
    $10,000 invested in May 2021 is now worth $1,499, against $18,916 in the S&P 500 (SPY).

PGY Drawdowns & Recovery

Worst fall since May 2021
-97.8%
August 2022 to December 2022
Recovery
Not yet
still 95.1% below the August 2022 peak
From the high since May 2021
-95.1%
highest close, August 2022
1-year holds that gained
38%
of every 1-year window

As of November 6, 2026, PGY's worst peak-to-trough fall over the period since May 2021 was -97.8% (August 2022 to December 2022); it is still 95.1% below that peak, and 38% of 1-year holding periods ended with a gain.

From weekly closing values. A drawdown is the fall from the highest value reached so far to a later low.

Growth of $10,000

What $10,000 put into PGY in May 2021 is worth now, against the same amount in the S&P 500.

PGY today
$1,499
from $10,000 in May 2021
S&P 500 today
$18,916
the same $10,000 in SPY, dividends reinvested
Behind the index by
$17,417
7.9% of the index result
Total change
-85%
0.1x the starting amount
20222023202420252026
PGY S&P 500 (SPY)

Against the market: PGY trailed the S&P 500 over this period: $1,498.80 against $18,916.

A $10,000 investment in PGY in May 2021 would be worth about $1,499 today, compared with about $18,916 for the same investment in the S&P 500 benchmark with its dividends reinvested.

Seasonal patterns

Which calendar months have been kind to PGY, and which have not.

Jan0/5 upFeb4/5 upMar0/5 upApr1/5 upMay4/5 upJun5/6 upJul5/6 upAug2/6 upSep2/6 upOct2/6 upNov1/5 upDec2/5 up

Strongest month, July: an average of +54.84%, up in 5 of 6 years.

Weakest month, September: an average of -22.03%, up in 2 of 6 years.

This month, November: has averaged -7.67%, up in 1 of 5 years. Past seasonality does not repeat on schedule.

Across 6 calendar years of history, PGY's strongest calendar month has been July (average +54.84%, up in 5 of 6 years) and its weakest September (average -22.03%, up in 2 of 6 years).

Average return for each calendar month across 6 calendar years of history, from weekly closing prices.

08

PGY stock price prediction 2030

Thousands of simulated paths from the price history. A range of outcomes, not a forecast.

Monte Carlo projection

Thousands of simulated paths for $10,000 in PGY, from its own past volatility. The shaded area holds 80% of them.

Downside, 2030
$1,820
10th percentile
Base case, 2030
$6,558
median path
Upside, 2030
$23,623
90th percentile
20262027202820292030
Upside (90th) Base case (median) Downside (10th) 10th to 90th percentile

CleaRank's 4-year Monte Carlo simulation, based on 6 years of price history, projects that a $10,000 investment in PGY today could fall to about $6,558 by 2030 in the base case, with a 90th-percentile outcome near $23,623 and a 10th-percentile outcome around $1,820. Projections are statistical simulations, not guarantees.

PGY Stock Price Prediction 2030: Simulated Scenarios

The same simulation in share prices, year by year.

Price today
$17.50
Base case, 2030
$11.48
0.7x over 4 years
Range, 2030
$3.19 to $41.34
10th to 90th percentile

CleaRank's simulation projects a price near $11.48 for PGY by 2030 in the base case, from $17.50 today (0.7x over 4 years). The 10th-percentile path ends near $3.19. These are outcomes of a Monte Carlo simulation run on PGY's historical return distribution, not price targets, and they assume no dividends are reinvested.

PGY simulated price paths by year
Year 10th percentile Base case 90th percentile range base today
2027 $8.30 $15.75 $29.89
2028 $5.73 $14.17 $35.07
2029 $4.20 $12.75 $38.69
2030 $3.19 $11.48 $41.34

Method: a lognormal simulation of PGY's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles. How the simulation works

09

PGY insider trading

What the people running the company have bought and sold.

PGY insider trading

Shares the company's directors and officers bought and sold, from their own filings.

Bought
$501K
2 open-market purchases
Sold
$19.7M
56 open-market sales
Insiders filing
14
over the last 18 months
Average trade
$348K
buys and sales together

Month by month

Open-market purchases above the line, sales below.

Jun '25Sep '25Dec '25Mar '26Jun '26Sep '26Nov '26

Net insider selling: Insiders bought $501K on the open market and sold $19.7M.

As of November 6, 2026, PGY insiders reported 56 open-market sales worth $19.7M and 2 open-market purchases worth $501K over the last 18 months; grants and option exercises are not counted.

Insider transactions in PGY
Date Insider Type Shares Value
Oct 19, 2026
Tami Rosen
Director
Option 9.4K $100.0K
Oct 2, 2026
Tami Rosen
Director
Sell 2.0K $35.4K
Sep 28, 2026
Sanjiv Das
President
Sell 14.3K $243.7K
Sep 28, 2026
Cory Vieira
Officer
Sell 2.2K $37.0K
Sep 28, 2026
Jonathan Dobres
Chief Financial Officer
Sell 590 $10.1K
Sep 25, 2026
Sanjiv Das
President
Grant 25.0K -
Sep 25, 2026
Jonathan Dobres
Chief Financial Officer
Grant 1.1K -
Sep 25, 2026
Cory Vieira
Officer
Grant 3.6K -
Sep 17, 2026
Jonathan Dobres
Chief Financial Officer
Sell 2.2K $45.9K
Sep 15, 2026
Jonathan Dobres
Chief Financial Officer
Grant 4.4K -
Page 1 of 11

Source: TwelveData, from SEC Form 4 filings

10

PGY stock forecast: questions people ask

Answered from the figures on this page, as of November 6, 2026.

PGY Forecast: Frequently Asked Questions

Is Pagaya Technologies Ltd. Class A (PGY) a buy right now?
CleaRank's model scores PGY 66/100, a Buy rating. The analysts' outlook carries the score: 11 of 11 analysts rate it a buy and the median target is 54.3% above the price. This describes the data on this page and is not a personal recommendation.
How has Pagaya Technologies Ltd. Class A (PGY) performed over the past year?
Over the past year the price fell 25.18%. Over shorter periods it fell 17.76% in three months and fell 3.53% in the past month. It now trades 41.18% below its 52-week high of $29.75.
What are the key price levels for PGY?
Above the price, the levels are the 20-day EMA at $18.59 and the 50-day SMA at $19.32. Below it, the levels are the 200-day SMA at $16.38 and the 52-week low at $10.40.
Is PGY expensive compared with Technology stocks?
At a trailing P/E of 10.42, PGY sits 70.3% below the Technology median of 35.1, a gap the peer comparison on this page labels a discount to peers. Its price-to-sales ratio of 1.03 is 86.4% under the sector median of 7.6. Those medians are drawn from 111 stocks across the entire sector rather than just direct rivals.
What do Wall Street analysts think of PGY?
Among the 11 analysts who cover PGY, 11 rate it a buy, none hold it and none sell. Their median 12-month target is $27.00, which is 54.3% above the current price.
How often has PGY beaten earnings estimates?
In our data, PGY has beaten the EPS estimate in 6 of the last 7 reports. Even so, the share price fell in the first session after 3 of those 6 beats.
How volatile is PGY?
PGY's price moves 3.94% on a typical day, measured as the 30-day standard deviation of daily returns.
Are PGY insiders buying or selling?
Over the last 18 months, insiders sold $19.7M of stock and bought $501K on the open market. Sales are often planned in advance or made to cover tax on vesting shares, so they say less than purchases would.
What is the 52-week range of PGY?
Over the past 52 weeks, PGY has ranged from $10.40 up to $29.75. At $17.50, the stock is at 37% of that span, 68.27% above the low and 41.18% below the high.
Is PGY in an uptrend?
Not clearly. Pagaya Technologies Ltd. Class A (PGY) trades at $17.50, above its 200-day but below its 50-day moving average ($16.38 and $19.32). Its 14-day RSI on daily closes is 43.4, in neutral territory.

Disclaimer: CleaRank.com is a financial data and analytics provider, not a registered investment advisor, broker-dealer, or financial regulatory body. The stock analysis and AI-generated signals presented for PGY are for educational and informational purposes only and do not constitute financial advice, investment recommendations, or an offer to buy or sell any securities. Simulated scenarios and historical performance figures shown are hypothetical and hindsight-based. They do not represent actual trades made by CleaRank or its affiliates. Stock prices can be volatile and are subject to market, economic, and company-specific risks. Market data is provided "as-is" and may be delayed by 15 minutes or more. We do not guarantee the accuracy, completeness, or timeliness of any data. You should never invest money you cannot afford to lose. Past performance does not guarantee future results. Consult a qualified financial advisor before making any investment decisions. Analysis generated on November 8, 2026.