Insider buying last 90 days
No open-market insider purchases were filed for PGY in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every PGY insider filing, plotted on the chart in Gekko.Open PGY in Gekko
NASDAQ: PGY
Pagaya Technologies (PGY) Stock Analysis & Forecast
Oct 12 close
$17.41−0.81 (−4.4%)
Gekko Brief
AI summaryOct 12 closePagaya closes its 100th asset-backed securitization this week, a $650 million auto ABS deal, following a $600 million AAA-rated personal loan ABS transaction announced days earlier, underscoring continued activity in its securitization funding engine. Alongside this, a separate piece questions whether Pagaya's expanding committed-capital funding base will reduce its reliance on ABS markets going forward. The company has also confirmed that third quarter 2026 earnings will be released on October 29.
PGY closed at $17.41, down 4.4% on the day, sitting between its 50-day average of $20.44 and 200-day average of $16.80. The stock's one-month return stands at -12.8%, though it remains up 39.5% over six months. The GekkoIndex reads 63.6, placing it in the Accumulation zone, and the gap to Gekko Fair Value of $23.77 stands at -26.8%.
Earnings arrive on 29 October, 17 days away and within a typical 20-trading-day holding window; the prior report on 30 July saw EPS of $0.49 against a $0.32 estimate, with a 19% reaction, and the company has beaten estimates in 3 of the last 8 quarters with an average absolute reaction of 20.1%. Seasonality over the past 5 years shows the next 20 trading days averaging -0.8%, rising in 2 of those years. Analyst coverage remains fully positive, with 7 of 7 firms rating it buy and a consensus target of $28.82.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Pagaya Technologies price vs fair value
Close $17.41200-day averageGekko Fair Value $23.77
Pagaya Technologies quick facts
- Market cap
- $1.45B
- P/E ratio
- 13.2
- Forward P/E
- 4.4
- EPS, TTM
- $1.38
- Revenue, TTM
- $1.39B
- Profit margin
- 9.1%
- Dividend yield
- —
- Beta
- 5.52
- Volume
- 1.81M avg 2.51M
- 1-year return
- −42.6%
- Typical daily move
- ±5.5%
- Typical 20-day move
- ±14%
- 50-day average
- $20.44
- 200-day average
- $16.80
- Next earnings
- Oct 29 before open
- Shares outstanding
- 72.14M
Pagaya Technologies swing-trade checklist
Pagaya Technologies scores 2 supportive, 1 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive1 mixed2 headwinds
- Trendmixed
Averages disagree
Close $17.41 sits between the 50-day ($20.44) and 200-day ($16.80) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
63.6, Accumulation
Reading 63.6 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
26.8% below
Price is 26.8% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 17 days
Reports on Oct 29, 2026, 17 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−0.8% on average
From this point in the calendar, the next 20 trading days averaged −0.8% over 5 years, rising in 2 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Pagaya Technologies stock chart and price history
Pagaya Technologies closed at $17.41 on Oct 12, 2026, −42.6% over the past year, inside a 52-week range of $10.40 to $31.54.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −12.8%
- 3 months
- −4.7%
- 6 months
- +39.5%
- 1 year
- −42.6%
The full PGY chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open PGY in Gekko
Follow Pagaya Technologies through every session
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About Pagaya Technologies
Pagaya Technologies builds artificial intelligence systems and software platforms used in financial decision-making. Its tools are designed to help partner organizations originate loans and other financial assets, and the company has become known for applying machine learning to this part of the lending process.
Pagaya Technologies works with a range of partners rather than lending directly to consumers itself. These include fast-growing fintech firms, established banks and financial institutions, auto finance companies, and brokers, all of whom use its AI-driven platforms to support their own origination of credit products. The company operates across Israel, the United States, and the Cayman Islands.
Pagaya Technologies was founded in 2016 and is headquartered in Tel Aviv, Israel. Its shares are listed on the NASDAQ under the ticker PGY.
- Listed
- NASDAQ
- Sector
- Technology services
- Industry
- Packaged software
- Website
- pagaya.com
Pagaya Technologies GekkoIndex: the smart money zone
Pagaya Technologies’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 63.6, in the Accumulation zone, up 1 point over five sessions.
63.6Accumulation
Up 1 point over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 34 | −3.9% | −4.8% | ||
| Accumulation (current zone) | 235 | +1.6% | +4.0% | ||
| Neutral | 370 | +1.5% | +5.3% | ||
| Distribution | 40 | −3.0% | −3.7% | ||
| Selling | 3 | Too few readings yet | |||
Average PGY share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the PGY price, zone by zone.Track PGY in Gekko
Is Pagaya Technologies stock overvalued? Gekko Fair Value
Pagaya Technologies trades 26.8% below Gekko Fair Value of $23.77, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Pagaya Technologies shares are worth, recalculated every trading day.
$23.77
Gekko Fair Value, Oct 10, 2026
26.8% Undervalued
At the end of Aug 2026 the price was 15.1% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open PGY in Gekko
Pagaya Technologies insider and Congress trading
No open-market insider purchases were filed for Pagaya Technologies, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in PGY were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for PGY, plotted on the chart in Gekko.Open PGY in Gekko
Hedge funds and billionaires quarter ended Dec 31
0of the funds Gekko tracks hold PGY.
0added0opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
Pagaya Technologies earnings: next date and track record
Pagaya Technologies reports on Oct 29, 2026, before the open (17 days away), and beat the EPS estimate in 3 of its last 8 reports.
Next earnings report
Oct 29, 2026
Expected before the open, 17 days away
- EPS estimate
- $0.47
- Revenue estimate
- $382.1M
3 of 8reports beat the EPS estimate
±20.1%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 30, 2026 | $0.49 est $0.32 | $387.0M est $356.0M | +19.0% |
| May 7, 2026 | $0.29 est $0.32 | $317.9M est $323.8M | +2.4% |
| Feb 9, 2026 | $0.36 est $0.34 | $334.8M est $349.4M | −26.6% |
| Nov 10, 2025 | $0.23 est $0.21 | $350.2M est $338.4M | +13.6% |
| Aug 7, 2025 | $0.20 est $0.47 | $326.4M est $317.0M | −8.6% |
| May 7, 2025 | $0.10 est $0.19 | $290.0M est $285.4M | +20.7% |
| Feb 13, 2025 | −$3.20 est $0.15 | $279.4M est $264.3M | +30.5% |
| Nov 12, 2024 | −$0.93 est −$0.19 | $249.3M est $265.4M | −39.7% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Pagaya Technologies stock forecast and analyst price targets
Analysts’ average 12-month price target for Pagaya Technologies is $28.82, +65.5% from the last close, from 7 firms rating the stock in the last 90 days.
$28.82consensus 12-month target, +65.5% from the last close
Now $17.41Avg $28.82
Low $25High $36
Each firm’s latest rating in the last 90 days: 7 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 6 | TD Cowen | $25 | +43.6% |
| Sep 29 | StoneX | $33 | +89.5% |
| Sep 3 | TD Cowen | $26 | +49.3% |
| Aug 18 | Jefferies | $27 | +55.1% |
| Aug 5 | Citi | $32 | +83.8% |
+4.0%average 20-day move after past Accumulation readings
−0.8%average move over the next 20 trading days in the last 5 years
±5.5%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Pagaya Technologies seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Pagaya Technologies averaged −0.8% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +0.4% | 2 of 5 |
| Next 10 trading days | −3.6% | 3 of 5 |
| Next 15 trading days | +1.5% | 2 of 5 |
| Next 20 trading days | −0.8% | 2 of 5 |
| Next 30 trading days | −14.3% | 1 of 5 |
For scale, PGY’s typical 20-trading-day move in either direction is about 14%.
Pagaya Technologies market cap and key statistics
Pagaya Technologies’s market cap is $1.45B, with a P/E ratio of 13.2 and revenue of $1.39B over the last twelve months.
Valuation
- Market cap
- $1.45B
- P/E ratio
- 13.2
- Forward P/E
- 4.4
- EPS, TTM
- $1.38
- Gekko Fair Value
- $23.77
Trading
- Volume
- 1.81M
- Avg volume, 20 days
- 2.51M
- 52-week high
- $31.54
- 52-week low
- $10.40
- Shares outstanding
- 72.14M
Financials
- Revenue, TTM
- $1.39B
- Profit margin
- 9.1%
- Return on equity
- 19.5%
- Quarterly earnings growth, YoY
- +143.3%
Risk and income
- Beta
- 5.52
- Typical daily move
- ±5.5%
- Typical 20-day move
- ±14%
Pagaya Technologies stock news this week
Coverage of Pagaya Technologies this week reads neutral: 1 positive, 1 neutral and 1 negative headlines.
- Pagaya Closes 100th Asset-Backed Securitization with New $650 Million Auto ABS DealBusiness Wire, Oct 12
- Pagaya Technologies Ltd Class A Actuals & Estimates (BMV:PGY/N)TradingView, Oct 11
- Will PGY's Expanding Funding Base Reduce Its Reliance on ABS Markets?Zacks Investment Research, Oct 8
- Pagaya Announces Timing of Third Quarter 2026 Earnings ReleaseGuruFocus, Oct 6
- Pagaya Technologies Director Tami Rosen Sells Shares to Cover Tax on Award VestingKalkine Media, Oct 5
- To cover taxes from award vesting, Pagaya (PGY) director Tami Rosen sells 1,986 shares.Stock Titan, Oct 5
Pagaya Technologies peers
Pagaya Technologies’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| MSFTMicrosoft | Neutral | 21.7% above |
| PLTRPalantir Technologies | Distribution | 22.3% above |
| ORCLOracle | Neutral | 24.3% below |
| PANWPalo Alto Networks | Neutral | 21.6% above |
| CRWDCrowdStrike | Neutral | 23.7% above |
| CRMSalesforce | Neutral | 3.6% below |
A peer links to its own page where one exists.
Pagaya Technologies stock FAQ
What is Pagaya Technologies’s market cap?
Pagaya Technologies’s market cap is $1.45B at the Oct 12, 2026 close of $17.41, with 72.14M shares outstanding. The shares trade on a P/E ratio of 13.2.
What is the Pagaya Technologies stock forecast?
The consensus analyst 12-month price target for Pagaya Technologies is $28.82, +65.5% from the last close. Of the 7 firms that rated the stock in the last 90 days, 7 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Pagaya Technologies stock overvalued or undervalued?
On Gekko’s estimate Pagaya Technologies is undervalued: the Oct 12, 2026 close of $17.41 is 26.8% below Gekko Fair Value of $23.77. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Pagaya Technologies report earnings next?
Pagaya Technologies is expected to report on Oct 29, 2026, before the market opens (17 days away). Analysts expect earnings of $0.47 per share on revenue of $382.1M. Pagaya Technologies beat the earnings estimate in 3 of its last 8 reports, moving 20.1% on average across the report.
What is Pagaya Technologies’s 52-week high and low?
Pagaya Technologies’s 52-week high is $31.54 and its 52-week low is $10.40; it closed at $17.41 on Oct 12, 2026, −42.6% over the past year. Over the last five years the shares peaked at $414.00 on Aug 2, 2022.
Is Pagaya Technologies stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (gekkoindex and fair value), 1 as mixed (trend) and 2 as headwinds (earnings risk and seasonality). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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