Core Insights - Wall Street analysts expect Pagaya Technologies Ltd. (PGY) to report quarterly earnings of $0.69 per share, reflecting a year-over-year increase of 590% [1] - Revenue projections for the upcoming quarter are set at $323.83 million, which represents a 29.4% increase compared to the same quarter last year [1] Earnings Estimates - The consensus EPS estimate has remained unchanged over the past 30 days, indicating a stable reassessment by analysts [1][2] - Changes in earnings estimates are crucial for predicting investor reactions to the stock, with empirical studies showing a strong correlation between earnings estimate revisions and short-term stock performance [2] Key Metrics Projections - Analysts project 'Interest income' to reach $7.93 million, indicating a year-over-year decline of 3.3% [4] - The estimate for 'Revenue from fees' is $306.43 million, reflecting a year-over-year increase of 26.3% [4] - The estimated 'Network Volume' is projected at $2.53 billion, up from $2.30 billion in the previous year [4] Stock Performance - Over the past month, shares of Pagaya Technologies Ltd. have increased by 31.4%, significantly outperforming the Zacks S&P 500 composite, which saw a change of only 0.6% [4] - PGY currently holds a Zacks Rank 1 (Strong Buy), suggesting potential for outperformance in the near future [4]

Core Viewpoint - Wall Street anticipates a year-over-year increase in earnings for Pagaya Technologies Ltd. due to higher revenues, with actual results being crucial for stock price movement [1][2]. Earnings Expectations - The upcoming earnings report is expected to show quarterly earnings of $0.69 per share, reflecting a +590% change year-over-year, and revenues of $323.83 million, which is a 29.4% increase from the previous year [3]. Estimate Revisions - The consensus EPS estimate has remained unchanged over the last 30 days, indicating that analysts have not significantly altered their initial estimates during this period [4]. Earnings Surprise Prediction - Pagaya Technologies Ltd. has a positive Earnings ESP of +2.19%, suggesting analysts are optimistic about the company's earnings prospects, combined with a Zacks Rank of 1 indicating a strong likelihood of beating the consensus EPS estimate [12]. Historical Performance - In the last reported quarter, Pagaya Technologies Ltd. exceeded the expected earnings of $0.4 per share by delivering $0.69, resulting in a surprise of +72.50%. Over the last four quarters, the company has beaten consensus EPS estimates two times [13][14]. Conclusion - Pagaya Technologies Ltd. is positioned as a compelling candidate for an earnings beat, although investors should consider additional factors beyond earnings results when making investment decisions [17].

Core Insights - Pagaya Technologies Ltd. (PGY) operates a capital-efficient model that minimizes credit risk and market volatility by avoiding holding loans on its balance sheet [1][3][11] - The company utilizes a network of institutional funding partners and focuses on issuing asset-backed securities (ABS) to manage its lending operations [1][2][11] Funding and Business Model - Capital raised in advance is held in trust and deployed only when a lending partner originates a loan through Pagaya's AI-driven network, ensuring loans are quickly acquired by pre-committed funding sources [2][4] - This off-balance-sheet model has proven effective during periods of high interest rates and market stress, allowing Pagaya to maintain financial flexibility [3][11] - The reliance on forward flow agreements provides a predictable source of capital, enhancing liquidity amid tightening credit markets [4][11] Financial Position - As of March 31, 2025, Pagaya reported $206.5 million in cash and short-term investments, alongside $507.8 million in debt, positioning the company for continued growth [5] - The stock has increased by 213% year-to-date, outperforming competitors like LendingTree and Upstart, which have gained 22.4% and 30.6% respectively [10][11] Valuation and Earnings Estimates - Pagaya's stock trades at a 12-month forward price-to-sales (P/S) ratio of 1.57X, significantly below the industry average of 3.41X, indicating a discount compared to peers [13] - The Zacks Consensus Estimate for PGY's earnings for 2025 and 2026 has increased to $2.51 and $3.18, reflecting year-over-year growth estimates of 202.4% and 26.7% respectively [17][18]

Core Insights - Identifying stocks that deliver strong returns can be challenging, and evaluating a company's liquidity serves as a reliable indicator of financial health [1] - High liquidity stocks are in demand due to their potential for maximum returns, but caution is advised as excess liquidity may indicate underutilization of resources [3][4] Stock Recommendations - Four top-ranked stocks recommended for portfolio consideration include Roku, Inc. (ROKU), DoorDash, Inc. (DASH), Meta Platforms, Inc. (META), and Pagaya Technologies Ltd. (PGY) [2] Liquidity Measures - Current Ratio: Measures current assets relative to current liabilities; an ideal range is between 1 and 3 [5] - Quick Ratio: Indicates a company's ability to pay short-term obligations, with a desirable ratio of more than 1 [6] - Cash Ratio: The most conservative measure, focusing on cash and cash equivalents relative to current liabilities; a ratio greater than 1 is desirable but may indicate inefficiency [7] Screening Parameters - Asset Utilization: A measure of efficiency, calculated as total sales over the last 12 months divided by the average total assets; companies with a higher ratio than their industry are considered efficient [8] - Growth Score: A proprietary score added to ensure that liquid and efficient stocks have solid growth potential [9] Stock Performance Highlights - Roku, Inc. (ROKU): Leading TV streaming platform with a 17% year-over-year increase in Platform revenues to $881 million; The Roku Channel streaming hours up 84% year over year [12][13] - DoorDash, Inc. (DASH): Total orders increased 18% year over year to 732 million, with Marketplace GOV rising 20% to $23.1 billion [15][16] - Meta Platforms, Inc. (META): Advertising revenues increased 16.2% year over year to $41.39 billion; expects total revenues between $42.5 billion and $45.5 billion for Q2 2025 [18][19] - Pagaya Technologies Ltd. (PGY): Total revenues of $290 million increased 18% year over year; forecasted revenues between $290 million and $310 million for the current quarter [21][22]

Core Insights - Pagaya Technologies Ltd. (PGY) and OneMain Holdings, Inc. (OMF) are consumer finance companies targeting subprime and non-prime borrowers, with Pagaya leveraging AI for credit underwriting and securitization, while OneMain operates through physical and digital lending channels [1][2] Group 1: Pagaya Technologies Ltd. (PGY) - Pagaya has a flexible business model that initially focused on personal loans but has since diversified into auto lending and point-of-sale financing, enhancing resilience across economic cycles [3] - The company has established a network of over 135 institutional partners and utilizes forward flow agreements to ensure funding stability during market disruptions [4] - Pagaya's proprietary technology allows lenders to present pre-approved offers to customers without formal applications, enhancing credit access with minimal marketing costs [5] - The company operates with minimal on-balance-sheet exposure, acquiring loans through asset-backed securities (ABS) or forward flow agreements, which limits credit and market risk [6] - Pagaya's model has proven effective from 2021 to 2023, maintaining liquidity and minimizing loan write-downs amid rising rates and tighter markets [7] - The Zacks Consensus Estimate for PGY's revenues indicates year-over-year growth of 23.6% in 2025 and 18.3% in 2026, with earnings expected to jump 202.4% and 26.7% in the same years [18] Group 2: OneMain Holdings, Inc. (OMF) - OneMain operates 1,300 locations across 47 states, providing unsecured and secured personal installment loans for various personal needs, along with optional insurance products [8] - The company has demonstrated strong revenue growth, with a loan mix designed for sustainability and upside potential, frequently securitizing portions of its loan book to manage funding costs [9] - OneMain's rigorous underwriting and servicing, supported by centralized data analytics, help manage credit performance, even during economic downturns [10] - The Zacks Consensus Estimate for OMF's revenues implies a modest year-over-year increase of 7.4% in 2025 and 7.5% in 2026, with earnings growth projected at 26.4% for 2025 and 29.4% for 2026 [20] Group 3: Comparative Analysis - Year-to-date, Pagaya's stock has surged 234.7%, while OneMain's has gained 13.5%, indicating stronger investor sentiment towards Pagaya [12] - In terms of valuation, Pagaya trades at a trailing 12-month price-to-book (P/B) ratio of 5.34X, compared to OneMain's 2.15X, suggesting Pagaya is more expensive [13][14] - Pagaya's return on equity (ROE) stands at 20.88%, slightly above OneMain's 20.77%, indicating marginally better efficiency in generating profits [14] - Pagaya's compelling growth trajectory and strong revenue and earnings prospects position it as a high-upside investment opportunity compared to OneMain's established marketplace model [22][23]

Pagaya Technologies Ltd. (PGY) closed the most recent trading day at $31.47, moving -2.27% from the previous trading session. This move lagged the S&P 500's daily gain of 0.4%. On the other hand, the Dow registered a gain of 0.47%, and the technology-centric Nasdaq increased by 0.24%. The company's stock has climbed by 65.04% in the past month, exceeding the Finance sector's gain of 3.3% and the S&P 500's gain of 4.61%.The upcoming earnings release of Pagaya Technologies Ltd. will be of great interest to in ...

The market has gone wild over artificial intelligence (AI)-based data analytics company Palantir Technologies (PLTR 0.26%). Palantir stock is up more than 440% during the past year, and it trades at the almost obscene price-to-earnings (P/E) ratio of 700.Palantir essentially uses AI to offer a unique and specific set of services, creating real value that its customer base is willing to pay for. It has developed a robust platform that has a long growth runway in a niche market, and there are high barriers to ...

Core Viewpoint - Momentum investing focuses on following a stock's recent price trends, aiming to buy high and sell higher, with the expectation that established trends will continue [1] Company Overview: Pagaya Technologies Ltd. (PGY) - Pagaya Technologies Ltd. currently holds a Momentum Style Score of B, indicating a positive momentum outlook [2] - The company has a Zacks Rank of 1 (Strong Buy), suggesting strong potential for outperformance in the market [3] Performance Metrics - PGY shares have increased by 35.25% over the past week, while the Zacks Financial - Miscellaneous Services industry remained flat during the same period [5] - Over the past month, PGY's price change is 58.62%, significantly outperforming the industry's 6.05% [5] - In the last quarter, PGY shares surged by 176.02%, and over the past year, they gained 107.2%, compared to the S&P 500's increases of 19.69% and 14.71%, respectively [6] Trading Volume - The average 20-day trading volume for PGY is 3,255,985 shares, which serves as a bullish indicator when combined with rising stock prices [7] Earnings Outlook - In the past two months, one earnings estimate for PGY has increased, while none have decreased, raising the consensus estimate from $2.45 to $2.51 [9] - For the next fiscal year, one estimate has also moved upwards with no downward revisions [9] Conclusion - Given the strong performance metrics and positive earnings outlook, PGY is positioned as a 1 (Strong Buy) stock with a Momentum Score of B, making it a compelling investment option [11]

Company Overview - Pagaya Technologies Ltd. (PGY) shares increased by 25.4% to $29.5 in the last trading session, with a notable trading volume, compared to a 24.8% gain over the past four weeks [1] - The company anticipates that its second-quarter 2025 results will surpass the high end of previous guidance across most key metrics [1] Earnings Expectations - The upcoming quarterly earnings per share (EPS) for Pagaya Technologies Ltd. is expected to be $0.62, reflecting a year-over-year increase of 520% [2] - Revenue projections stand at $298.1 million, which is a 19.1% increase from the same quarter last year [2] Stock Performance Insights - The consensus EPS estimate for Pagaya Technologies Ltd. has remained stable over the last 30 days, indicating that stock price movements may not sustain without trends in earnings estimate revisions [3] - The stock currently holds a Zacks Rank of 3 (Hold), suggesting a neutral outlook [4] Industry Comparison - Pagaya Technologies Ltd. operates within the Zacks Financial - Miscellaneous Services industry, where XP Inc.A (XP) recently closed at $18.12, down 0.9% [4] - XP Inc.A's consensus EPS estimate has increased by 17.1% over the past month to $0.43, representing a year-over-year change of 10.3% [5]

Core Viewpoint - The current market is characterized as an asset bubble, and TQI offers tools and strategies to navigate this environment profitably [1]. Group 1: Company Overview - TQI was established in July 2022 with the mission to simplify, enhance enjoyment, and increase profitability in investing for all investors [2]. - The company publishes premium equity research reports on Seeking Alpha, providing a research library and performance tracker [2]. - TQI offers highly-concentrated, risk-optimized model portfolios tailored to meet the needs of investors at different stages of their investment lifecycle [2]. Group 2: Services and Features - In addition to equity research, TQI provides access to proprietary software tools and group chats for enhanced investor engagement [2]. - The company shares investing insights and tidbits through various platforms, including a free newsletter, Twitter, and LinkedIn [2].