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Stock·NASDAQ·Technology

Pagaya Technologies Ltd. (PGY)

$17.23 -0.6800 (-3.80%)
At close: Oct 16, 4:00 PM EDT
Buy
66 / 100
CleaRank AI scorei
Market cap
$1.44B
P/E
13.78
Dividend yield
0.00%
Street target
$27.00median of 11 analysts
52-week range
$10.40 $31.06
01

The short version

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

PGY at a glance

Pagaya Technologies Ltd. (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 ($16.71 and $20.09).
  • Earnings PGY beat estimates in 5 of its last 7 quarters, yet fell the next day after 2 of those beats.
  • Insiders Insiders sold $23.7M and bought $501K over the last 18 months.
  • Valuation P/E of 13.8 against 35.1 for the Technology sector: a discount to peers (-61%).

Figures as of October 17, 2026.

CleaRank Financial AI

PGY earns a Buy rating from CleaRank, with a model score of 66/100.

The analysts' outlook is the biggest contributor, with 11 of 11 analysts rating the stock a buy and a median target 56.7% above the price. Momentum weighs on the score most, as the MACD line is negative. The trend is mixed, with the price 14.24% below its 50-day average of $20.09 but 3.10% above its 200-day average of $16.71. Across the past year, the stock dropped 37.80%.

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

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 above its 50-day average ›
    The price of $17.23 is 14.2% below the 50-day simple moving average of $20.09.
  • Price above its 200-day average ›
    The price is 3.1% above the 200-day simple moving average of $16.71.
  • 50-day average above the 200-day ›
    The 50-day average ($20.09) is 20.2% above the 200-day average ($16.71), the arrangement of a rising longer-term trend.
  • In the upper half of its 52-week range ›
    The price sits at 33% of its 52-week range, between $10.40 and $31.06.

PGY share price

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

Nov '25Jan '26Mar '26Jun '26Aug '26Oct '26
Start $27.70 Oct 16, 2025
Latest close $17.23 Oct 16, 2026
High $29.52 Oct 23, 2025
Low $10.64 Feb 23, 2026

Today's trading

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

Day range 9.74% wide
$17.23
$16.68 $18.31
52-week range 33% of the way up
$17.23
$10.40 $31.06
Open
$17.91
Previous close
$17.91
Volume
2.31M
12% above average
Market cap
$1.44B
03

Fundamentals

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 13.78 is 60.7% below the Technology median of 35.1.
  • P/S below the sector median ›
    The price-to-sales ratio of 1.07 is 85.9% below the sector median of 7.6.
  • Profitable over the last 12 months ›
    Net income over the last 12 months was $122.5M on revenue of $1.4B, a net margin of 8.8%.
  • Beat estimates in most recent reports ›
    PGY beat the EPS estimate in 5 of its last 7 reports.

Key statistics

The headline figures for PGY.

Market Cap
1.44B
P/E Ratio
13.78
EPS (TTM)
1.30
Dividend Yield
0.00%
52 Week High
31.06
52 Week Low
10.40

As of October 17, 2026, PGY trades at $17.23, with a market value of $1.44B and a P/E ratio of 13.78.

What the numbers say

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

Valuation

On earnings, Pagaya Technologies Ltd. (PGY) is valued at 13.78 times, against a median of 35.1 for Technology: a discount to peers, with the P/E 60.7% below that median. PGY trades at 1.07 times its sales, 85.9% below the sector median of 7.6. The company has a market capitalisation of $1.4B and trailing earnings of $1.30 a share.

With revenue growth of 18.60%, PGY is 5.6 percentage points slower than the sector median of 24.2%. Profitability shows a net margin of 9.12% and an operating margin of 27.34%, with a return on equity of 19.46%, above the sector median of 13.4%. The balance sheet rounds out the picture, with debt-to-equity of 1.34.

Earnings & Growth

In its latest quarterly report, on July 30, 2026, PGY reported EPS of $1.07. That result beat the analysts' figure by 48.61%. The market agreed: the stock rose 9.24% the following session.

Across its recent record, PGY has beaten estimates in 5 of the last 7 reports. Still, the share price fell in the first session after 2 of those 5 beats.

Key risks

Daily swings are the main risk to plan for. On an average session, PGY moves 3.81%. The stock is 44.53% under its 52-week high of $31.06. Over the last 18 months, insiders sold $23.7M of stock and bought $501K. Insider sales are often planned ahead or made to cover taxes on vesting shares, so they carry less weight than open-market purchases.

PGY against the Technology sector

How PGY compares with the median Technology stock CleaRank tracks.

P/E ratio 61% below the median
PGY
13.8x
Sector median
35.1x
P/S ratio 86% below the median
PGY
1.1x
Sector median
7.6x
Revenue growth, year on year 5.6 points below the median
PGY
18.6%
Sector median
24.2%
Return on equity 6.1 points above the median
PGY
19.5%
Sector median
13.4%

Price to earnings vs sector: PGY trades at a notable discount to sector peers (-61%), which may indicate undervaluation or specific company headwinds.

Return vs XLK: Since May 6, 2025, PGY has gained 50.0% against a gain of 71.7% for XLK.

Performance against XLK

PGY and the Technology sector fund over the same days.

Jun '25Sep '25Dec '25Apr '26Jul '26Oct '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
$123M
Net margin
9.1%
Revenue growth
+18.6%
latest quarter, year on year
FY2021-16% marginFY2022-43% marginFY2023-25% marginFY2024-44% marginFY20256% margin
Revenue Net income

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
5 of 7
last 7 reports
Fell after a beat
2 of 5
first session after the report
Average surprise
+19.4%
actual EPS against the estimate
Avg. first-session move
+3.8%
the stock, after the report
EPS surprise
First-session move
Feb '25May '25Aug '25Nov '25Feb '26May '26Jul '26

Earnings record: PGY beat the analyst estimate in 5 of the last 7 quarters.

Market reaction: The stock fell in the first session after 2 of those 5 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
Jul 30, 2026after close $0.72 $1.07 +48.61% +9.24% +21.43%
May 7, 2026after close $0.56 $0.73 +30.36% -2.00% -12.26%
Feb 9, 2026after close $0.77 $0.80 +3.90% -3.59% -13.32%
Nov 10, 2025after close $0.66 $1.02 +54.55% +0.69% -19.14%
Aug 7, 2025after close $0.67 $0.64 -4.48% -6.37% +9.47%
May 7, 2025after close $0.46 $0.69 +50.00% +23.29% +33.87%
Feb 13, 2025after close $0.32 $0.17 -46.88% +4.99% -0.96%

As of October 17, 2026, PGY has beaten the analyst EPS estimate in 5 of its last 7 reported quarters and fell in the first trading session after 2 of those beats; its latest report, on July 30, 2026, came in 48.61% above the estimate and the stock moved +9.24% 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

AI analysis and technicals

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 40.8, in neutral territory.
  • RSI above 50 ›
    An RSI of 40.8 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.
  • MACD line above zero ›
    The MACD line is negative, so the 12-day average is below the 26-day average.

CleaRank AI analysis of PGY

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

Company's health
4/5
12-month analyst target
$27.00
+56.70% above price · median of 11 analysts
AI analyst consensus
66/100
Buy
What the AI sees

PGY shows a mixed trend. At $17.23, the stock is 14.24% below its 50-day average of $20.09, yet 3.10% above its 200-day average of $16.71. Its 52-week range runs from $10.40 to $31.06, and the price sits at 33% of that span, 44.53% below the high.

Short-term and long-term signals disagree. Over the past month the price dropped 20.38%, yet over the past three months it climbed 0.47%, and over the past year it slid 37.80%. Momentum is quiet for now: the 14-day RSI sits at 40.8, in the neutral zone, and the MACD line is negative.

Catalysts
Rewards
  • Earnings beat ›

    The July 30, 2026 report beat the EPS estimate by 48.61%, and the share price rose 9.24% in the first session after it.

    Source: Earnings report, July 30, 2026
Risks
  • Rating reaffirmed ›

    TD Cowen kept its Buy rating on October 6, 2026.

    Source: Analyst action, TD Cowen, October 6, 2026
ProTips
  1. The two nearest levels matter most: the 20-day EMA at $18.28 above the price and the 200-day SMA at $16.71 below it.
  2. The 14-day RSI reads 40.8, in the neutral zone, with the MACD line negative; readings above 70 or below 30 mark stretched momentum.
  3. The share price climbed 9.24% in the first session after the July 30, 2026 report. Over the past 7 reports, PGY has beaten estimates in 5 of them.
Market outlook

PGY's trend is mixed. The price sits above its 200-day average of $16.71 but under its 50-day average of $20.09. Closing above the 50-day would flip both signals to up, while closing below the 200-day would flip both to down. On the way up, the first hurdle is the 20-day EMA at $18.28; on the way down, the first support is the 200-day SMA at $16.71.

Technical indicators

Momentum and trend for PGY, from its daily closes.

Technical rating Bearish 1 of 4 signals bullish
  • RSI Neutral
  • SMA cross Bullish
  • Price vs SMA Bearish
  • MACD Bearish
Momentum Neutral
40.814-day RSI
Oversold <30 Neutral Overbought >70
MACD (12, 26) -0.725 Bearish
Trend Golden cross
-14.2%price against the 50-day average
200-day $16.71 50-day $20.09 Price $17.23
Price against the 200-day +3.1% Bearish

As of October 17, 2026, with PGY at $17.23, its 14-day RSI is 40.8 (neutral territory), its 50-day simple moving average is $20.09 and its 200-day is $16.71.

Calculated by CleaRank on daily closes as of October 17, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).

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) +0.46 Moderate
Nasdaq 100 (QQQ) +0.44 Moderate
Bitcoin (BTC) +0.40 Weak
Gold (XAU) +0.03 Weak

As of October 17, 2026, PGY's 1-year correlation of daily returns is +0.46 with S&P 500 (SPY), +0.44 with Nasdaq 100 (QQQ), +0.40 with Bitcoin (BTC) and +0.03 with gold (XAU).

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05

What Wall Street expects

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 56.7% above the price.
  • More buy ratings than 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 (+56.7%) High $36.00

The price, $17.23, 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 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
Jul 31, 2026 Citizens Maintains Market Outperform
Jul 31, 2026 Canaccord Genuity Maintains Buy

As of October 17, 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 $36.00, with a median of $27.00, 56.7% above the price of $17.23.

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

06

A trade plan, if you want one

Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.

PGY trade plan

Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.

Your bias
Risk per trade 2%
Conservative Aggressive
Portfolio value
$
Position size: Enter portfolio size →

Long entry pick an entry style

Conservative
$16.89
2% below current price (Pullback entry)
Lower risk, wait for pullback
Aggressive
$17.23
Buy at current price
Higher risk, immediate entry

Risk management

Stop loss
$14.42
Max loss
-14.6%
Volatility-adjusted stop Set from the RSI (40.8) and recent volatility.

Profit targets (Based on Conservative Entry)

Target 1
$17.73
+5% (Conservative) +2.9% (Aggressive)
Target 2
$18.57
+10% (Conservative) +7.8% (Aggressive)
Target 3
$19.42
+15% (Conservative) +12.7% (Aggressive)

PGY moves about 3.8% a day on average, so a stop can fill well past its level. Educational levels, not financial advice; the full disclaimer is at the foot of the page.

Risk profile

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

Daily volatility
3.81%
30-day standard deviation
52-week range
$17.23
$10.40 33% of the way up $31.06

Compare PGY

Put PGY side by side with other stocks and benchmarks.

07

The long record

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
  • Average daily move under 2% ›
    The price has moved 3.81% on an average day (30-day standard deviation of daily returns).
  • Recovered from its worst fall ›
    The worst fall was 97.2%, from August 2022 to December 2022; the price is still 92.9% below that peak.
  • Most 1-year holds ended higher ›
    37% of 1-year holding periods in the last 5 years ended with a gain.
  • Beat the S&P 500 since the chart begins ›
    $10,000 invested in April 2021 is now worth $1,435.83, against $19,736 in the S&P 500 (SPY).

PGY Drawdowns & Recovery

Worst fall, last 5 years
-97.2%
August 2022 to December 2022
Recovery
Not yet
still 92.9% below the August 2022 peak
From the 5-year high
-92.9%
highest close, August 2022
1-year holds that gained
37%
of every 1-year window

As of October 17, 2026, PGY's worst peak-to-trough fall over the last 5 years with dividends reinvested was -97.2% (August 2022 to December 2022); it is still 92.9% below that peak, and 37% of 1-year holding periods ended with a gain.

From weekly closing values with dividends reinvested. 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 April 2021 is worth now, against the same amount in the S&P 500.

PGY today
$1,435.83
from $10,000 in April 2021, dividends reinvested
S&P 500 today
$19,736
the same $10,000 in SPY
Behind the index by
$18,300
0.1x the index result
Total change
-86%
0.1x the starting amount
20222023202420252026
PGY S&P 500 (SPY)

Against the market: PGY trailed the S&P 500 over this period: $1,435.83 against $19,736.

A $10,000 investment in PGY in April 2021 would be worth about $1,436 today with dividends reinvested, compared with about $19,736 for the same investment in the S&P 500 benchmark (also with dividends reinvested).

Seasonal patterns

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

Jan0/5 upFeb4/5 upMar1/5 upApr3/5 upMay6/6 upJun4/6 upJul5/6 upAug3/6 upSep1/6 upOct2/5 upNov2/5 upDec1/5 up

Strongest month, July: an average of +80.73%, up in 5 of 6 years.

Weakest month, September: an average of -30.56%, up in 1 of 6 years.

This month, October: has averaged -8.73%, up in 2 of 5 years. Past seasonality does not repeat on schedule.

Over the last 6 years, PGY's strongest calendar month has been July (average +80.73%, up in 5 of 6 years) and its weakest September (average -30.56%, up in 1 of 6 years).

Average return for each calendar month over the last 6 years, from weekly closing prices with dividends included.

08

Long-term scenarios

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, 2036
$455
10th percentile
Base case, 2036
$3,450
median path
Upside, 2036
$26,175
90th percentile
202620282030203220342036
Upside (90th) Base case (median) Downside (10th) 10th to 90th percentile

CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in PGY today could grow to about $3,450 by 2036 in the base case, with a 90th-percentile outcome near $26,175 and a 10th-percentile outcome around $455. Projections are statistical simulations, not guarantees.

PGY Stock Price Prediction: 2030

The same simulation in share prices, year by year.

Price today
$17.23
Base case, 2030
$11.26
0.7x over 4 years
Range, 2030
$3.12 to $40.55
10th to 90th percentile

CleaRank's simulation projects a price near $11.26 for PGY by 2030 in the base case, from $17.23 today (0.7x over 4 years). The 10th-percentile path ends near $3.12. 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 $8.16 $15.49 $29.40
2028 $5.63 $13.93 $34.47
2029 $4.13 $12.52 $37.99
2030 $3.12 $11.26 $40.55
2031 $2.42 $10.12 $42.41

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.

09

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
$23.7M
60 open-market sales
Insiders filing
14
over the last 18 months
Average trade
$390K
buys and sales together

Month by month

Open-market purchases above the line, sales below.

May '25Aug '25Nov '25Feb '26May '26Aug '26Oct '26

Insider buying: Insiders bought $501K on the open market and sold $23.7M.

As of October 17, 2026, PGY insiders reported 60 open-market sales worth $23.7M 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 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 -
Sep 11, 2026
Sanjiv Das
President
Sell 13.3K $268.8K
Page 1 of 11

Source: TwelveData, from SEC Form 4 filings

10

Questions people ask

Answered from the figures on this page, as of October 17, 2026.

Frequently Asked Questions

Is Pagaya Technologies Ltd. (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 56.7% above the price. Momentum holds the score back, because the MACD line is negative. This describes the data on this page and is not a personal recommendation.
How has Pagaya Technologies Ltd. (PGY) performed over the past year?
Over the past year the price fell 37.80%. Over shorter periods it rose 0.47% in three months and fell 20.38% in the past month. It now trades 44.53% below its 52-week high of $31.06.
What are the key price levels for PGY?
On the upside, the first levels are the 20-day EMA at $18.28 and the 50-day SMA at $20.09. On the downside, the 200-day SMA at $16.71 comes first, followed by the 52-week low at $10.40.
Is PGY expensive compared with Technology stocks?
PGY's trailing P/E of 13.78 sits 60.7% under the Technology median of 35.1, a gap the peer comparison on this page describes as a discount to peers. Its price-to-sales ratio of 1.07 is 85.9% lower than the sector median of 7.6. Those medians are drawn from 111 stocks across the entire sector, not just direct rivals.
What do Wall Street analysts think of PGY?
Among the 11 analysts following PGY, all 11 rate it a buy, with none holding or selling. Their median 12-month target of $27.00 is 56.7% above the current price.
How often has PGY beaten earnings estimates?
In our data, PGY has topped the EPS estimate in 5 of its last 7 reports. Even so, the share price declined in the first session after 2 of those 5 beats.
How volatile is PGY?
PGY's price moves 3.81% on an average day, measured as the 30-day standard deviation of daily returns.
Are PGY insiders buying or selling?
Insiders sold $23.7M of stock over the last 18 months and bought $501K on the open market. Sales are often planned in advance or made to cover tax on vesting shares, so they carry less weight than purchases.
What is the 52-week range of PGY?
Over the past 52 weeks, PGY has ranged from $10.40 to $31.06. At $17.23, the stock occupies 33% of that band, 65.67% above the low and 44.53% below the high.
Is PGY in an uptrend?
Not clearly. Pagaya Technologies Ltd. (PGY) trades at $17.23, above its 200-day but below its 50-day moving average ($16.71 and $20.09). Its 14-day RSI on daily closes is 40.8, 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, trade plans, 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. All trade setups and performance metrics shown are hypothetical, hindsight-based, and simulated. 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 October 17, 2026.

Disclaimer:

Engaging in financial markets carries significant risk of total capital loss. Markets are volatile, unpredictable, and past success does not guarantee future results. Never invest funds you cannot afford to lose. CleaRank does not offer financial, investment, or advisory services. We provide no recommendations, endorsements, or guarantees regarding market outcomes. You alone are responsible for your decisions.

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