Key Takeaways Pagaya's AI underwriting boosts approval rates and expands credit volumes for bank and fintech partners.PGY reached a 2025 inflection, posting three straight quarters of positive net income after prior losses.Pagaya scales via a capital-light ABS model, 145 funding partners and a data flywheel that sharpens AI.Pagaya Technologies’ (PGY) business fundamentally revolves around artificial intelligence (AI)-powered decisioning and underwriting, which helps partners (banks and fintech originators) ...

Core Viewpoint - Pagaya Technologies Ltd. (PGY) is identified as a top small-cap investment opportunity for 2026, despite its stock being down 63% from its 52-week high [1] Company Summary - Pagaya Technologies is set to report its Q4 earnings next week, indicating an upcoming event that may impact its stock performance [1] - The company is currently experiencing significant stock price depreciation, which may present a buying opportunity for investors [1] Analyst Background - The analysis is backed by a former managing editor with experience in financial media focused on mid and small-cap companies, providing credibility to the investment insights [1] - The analyst's academic background in financial markets and institutions enhances the depth of research and analysis presented [1]

NEW YORK--(BUSINESS WIRE)-- #creditratingagency--KBRA assigns preliminary ratings to eight classes of notes issued by Pagaya AI Debt Grantor Trust 2026-R1 and Pagaya AI Debt Trust 2026-R1 (collectively "PAID 2026-R1†), an unsecured consumer loan ABS transaction. PAID 2026-R1 has initial hard credit enhancement levels of 47.00% for the Class A Notes to 5.85% for the Class E Notes. Credit enhancement is comprised of overcollateralization, subordination (except for the Class E Notes), cash reserve accounts f ...

Editor's note: Seeking Alpha is proud to welcome Brock Liolios as a new contributing analyst. You can become one too! Share your best investment idea by submitting your article for review to our editors. Get published, earn money, and unlock exclusive SA Premium access.I am a finance student at the University of Georgia with a strong interest in public markets and have a long term goal of working in the hedge fund space. My background consists of disciplined self study and hands-on deep dive analysis. Most ...

Key Takeaways PGY will announce Q4 and 2025 earnings on Feb. 9, with revenues expected to rise 25% y/y.PGY's growth is driven by higher fee and interest income, and new partners.PGY shares fell 30% in Q4 and costs keep rising, tempering optimism despite its discounted valuation.Pagaya Technologies Ltd. (PGY) is scheduled to announce fourth-quarter and 2025 earnings on Feb. 9, before market open.In the third quarter, PGY delivered a robust performance, with total revenues and other income increasing 36% year ...

In the latest close session, Pagaya Technologies Ltd. (PGY) was up +1.75% at $19.73. This change outpaced the S&P 500's 0.54% gain on the day. Meanwhile, the Dow experienced a rise of 1.05%, and the technology-dominated Nasdaq saw an increase of 0.56%. Coming into today, shares of the company had lost 12.97% in the past month. In that same time, the Finance sector lost 0.18%, while the S&P 500 gained 0.74%. Market participants will be closely following the financial results of Pagaya Technologies Ltd. in it ...

Key Takeaways PGY's AI-driven, capital-light model shows stronger earnings growth prospects than a traditional lender.OMF relies on branch-based lending, securitization and shareholder returns through dividends and buybacks.PGY benefits from forward-flow funding, limited balance-sheet risk and sharply improving credit losses.Two key players in the consumer finance space that target the underserved credit segments, such as subprime and non-prime borrowers, are Pagaya Technologies Ltd. (PGY) and OneMain Holdi ...

Pagaya Technologies Ltd. (NASDAQ:PGY) is one of the best high short interest stocks with biggest upside potential. On January 2, Keefe Bruyette reduced the price target on Pagaya to $35 from $38 while maintaining an Outperform rating. This sentiment was announced as the firm adjusted price targets in consumer finance and payments groups. In Q3 2025, Pagaya Technologies Ltd. (NASDAQ:PGY) achieved a 19% year-over-year increase in network volume to $2.8 billion and a 36% rise in total revenue to $350 millio ...

Key Takeaways PGY runs an asset-light model, with most loans sold via ABS or forward flow deals.Capital is pre-raised and deployed only at origination, limiting PGY's credit exposure during market stress.This capital-efficient approach supports liquidity, scaling and less equity dilution.Pagaya Technologies Ltd. (PGY) operates a capital-efficient model that largely avoids holding loans on its balance sheet, significantly reducing its exposure to credit risk and market volatility. This is made possible throu ...

Core Viewpoint - Pagaya Technologies Ltd (NASDAQ: PGY) is rated as a Strong Buy due to its significant potential upside, with a base case return projected at 91% over the next 12 months, and a possible rally ranging from 50% to 100% [1] Investment Approach - The investment strategies employed include GARP (Growth at a Reasonable Price), Value, and Growth investing [1] - The analysis closely monitors insider buying and stock buybacks, as well as technical analysis tools such as Elliott Wave, EMA crossovers, and chart patterns [1]