Added to YB: 2025-10-22
Pitch date: 2025-10-19
PGY [bullish]
Pagaya Technologies Ltd.
-16.47%
current return
Author Info
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Company Info
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services and other service providers, their customers, and asset investors in the United States, Israel, and the Cayman Islands.
Market Cap
$1.9B
Pitch Price
$27.18
Price Target
87.00 (+283%)
Dividend
N/A
EV/EBITDA
10.12
P/E
-9.45
EV/Sales
2.11
Sector
Software
Category
growth
Pagaya: 3× Upside But On Thin Ice
PGY: 'AI-driven underwriting platform' bridges gap between rejected loan applicants ($250B+ personal loans rejected annually) & alternative capital via network connecting lenders/investors. 100% lender retention, 65% avg 5yr growth. Bull: huge TAM, network effects, 20% growth = 3x by 2030. Bear: balance sheet risk ($870M investments, 47% markdown on junior securities), systematic credit risk, complex financial instruments limit visibility.
Read full article (22 min)