Pagaya Technologies Ltd. (PGY) fair value analysis
Nasdaq · Updated 2026-10-19
PGY price how computed
Forward Fair Value verdict
UndervaluedPGY is trading at more than a 25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $17.23
- Sector
- Technology
- 12-month range
- $10.64–$29.04
- Market cap
- $1.44B
- From 52-week high
- -40.7%
- Shares outstanding
- 83.4M
- Rank in Technology by discount to fair value
- #1 of 181
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
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.
PGY currently ranks #1 of 181 Technology stocks by discount to fair value. It has screened as Undervalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $1.44B
- P/E (trailing)
- 5x
- Revenue (TTM)
- $1.33B
- Net margin
- 9.6%
- EPS (TTM)
- $3.52
- Gross margin
- 40.2%
- Debt / equity
- 1.53
- Revenue growth (3-yr avg)
- 27.2%
- Shares outstanding
- 83.4M
Derived indicators how computed
- Quality grade
- A
- Margin trend
- Stable
- 52-week position
- The lower-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 35 · neutral
- 50-day average
- $20.09
- 200-day average
- $16.71
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Earnings how computed
- Next earnings report
- 2026-10-29 (pre-market)
- Last 8 quarters vs consensus
- 6 beat, 2 missed
- Quarter by quarter
- 2026-06 ▲ beat (+54.0%)
2026-03 ▲ beat (+30.4%)
2025-12 ▲ beat (+3.9%)
2025-09 ▲ beat (+54.5%)
2025-06 ▼ miss (-17.0%)
2025-03 ▲ beat (+50.0%)
2024-12 ▼ miss (-46.9%)
2024-09 ▲ beat (+63.0%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 11 buy · 0 hold · 0 sell (11 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $28.8
- Target vs last price
- +67.2%
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 $10.64–$29.04.
- The 14-day relative strength index sits at a neutral 35.
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
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
What people are saying
Follow the PGY conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — TickrTrends' derived indicators for PGY showed a shift in trend momentum this week. The 50/200-day trend state moved from an uptrend to a mixed state, indicating less clarity in the near-term directional bias. PGY maintains an undervalued current valuation verdict within the Technology sector.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is PGY stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), 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 #1 of 181 Technology stocks in TickrTrends' coverage by discount to fair value.
Is PGY overbought or oversold?
PGY's 14-day RSI is in neutral territory - neither overbought nor oversold.
When does PGY report earnings next?
PGY's next earnings report is scheduled for 2026-10-29 (pre-market), per the published earnings calendar.
Does PGY usually beat earnings estimates?
Over its last 8 reported quarters PGY beat the consensus estimate 6 times and missed 2 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about PGY?
Of 11 analysts covering PGY, 11 rate it a buy, 0 a hold and 0 a sell - buy-leaning, with a consensus price target of $28.8 (+67.2% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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