Pagaya Technologies Ltd. (PGY) fair value analysis

Nasdaq · Updated 2026-09-07

Pagaya Technologies Ltd. is a financial technology company that uses artificial intelligence and machine learning to provide lending solutions and credit access to consumers and small businesses. The company operates primarily in the United States and serves customers through its digital lending platform and financial services offerings.

Forward Fair Value verdict

Undervalued

Based on TickrTrends' weekly Forward Fair Value model, PGY is trading at more than a 25% discount to estimated fair value.

PGY currently ranks #8 of 199 Technology stocks by discount to Forward Fair Value. It has screened as Undervalued for 3 consecutive weekly runs.

Last price: $22.23
Sector: Technology
12-month range: $11.34–$29.91

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: A
Leverage: High
Margin trend: Expanding
Revenue growth: High
RSI zone: Neutral
50/200-day trend: Uptrend
52-week position: The upper-middle quarter of its range
DCF cross-check: Overvalued

What our data shows for PGY

Our model validated 9 trailing price-to-earnings windows for PGY, built from quarterly earnings records.
Shares are trading in the middle of their 12-month price range of $11.34–$29.91.
The 14-day relative strength index sits at a neutral 56.

The exact numbers are one step away

The precise Forward Fair Value dollar figure for PGY
Exact discount / premium to today's price
The normalized historical P/E behind the estimate, and how many quarters support it
Forward EPS input and fiscal-year basis
Screeners and rankings across the full S&P 500 and Nasdaq universes

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

What people are saying

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TickrTrends weekly updates

2026-09-07 — TickrTrends' derived indicators for PGY show a significant shift this week, with the DCF cross-check band moving from an undervalued assessment to an overvalued one. This change suggests that recent valuation models now indicate the stock is trading above fundamental value estimates, despite the current overall verdict remaining that PGY is undervalued. The divergence between these indicators warrants monitoring as market conditions and company fundamentals continue to evolve.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is PGY stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), PGY is trading at more than a 25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.

What is PGY's TickrTrends verdict?

PGY's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.

How does PGY compare to other Technology stocks?

PGY ranks #8 of 199 Technology stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is PGY overbought or oversold?

PGY's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Technology fair-value coverage →

Head-to-head comparisons

PGY vs ALKT · PGY vs CCC · PGY vs CGNT · PGY vs CNXC · PGY vs GTM