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PGY · Pagaya Technologies Ltd.

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$20.47 +0.15 (+0.74%) At close · Aug 19
Market Cap
$1.76B
Shares
85.45M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$20.47 Open$20.27 Day$19.72–20.60 52W close$10.64–43.81 Avg vol 30d2.8M Short int12.4M · 14.5% float · 4.2d Short vol30% Last earningsJul 30, 2026 DataMar 2024–Aug 2026 Filing10-Q · Jul 30

Raw chart and full-history price indicators begin at the captured split on Mar 8, 2024; bars on opposite sides are not compared.

Up next

Next earnings call
Oct 27, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Jul 30, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Neutral
      SellHoldBuy
      Technical Buy Momentum Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very High
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Buy
      50 / 200-day cross Golden cross
      Price vs 200-day avg +17%
      above
      Price vs 50-day avg +14%
      above
      RSI (14) 56
      neutral
      MACD trend Negative
      52-week position 30%
      mid-range
      Momentum
      relative strength
      Strong
      1-month return +21%
      trailing
      6-month return +65%
      trailing
      YTD return −2%
      this year
      Relative strength +53%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) Golden cross
      50d $18 › 200d $17 — 50d above 200d
      Institutional flow Accumulating
      +1% holders QoQ · +56 funds added
      Insider flow Distributing
      Net -$1.4M over 90 days · 80% sells
      Short interest Rising
      14.52% of float · ▲ +2.5% MoM · 4.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      233 holders — mid 3-yr range
      Squeeze score 77
      high risk · 0–100
      Fundamentals
      Excellent
      Revenue growth +26%
      Y/Y
      EPS growth +116%
      Y/Y
      Free cash flow $224.7M
      Balance sheet $86.0M
      net debt
      Quant / Vol
      risk profile
      Very High
      Volatility 76%
      annualized · 1-yr
      Max drawdown −76%
      past year
      ATR 5.8%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Beat or met 3 of last 3
      Latest guidance · from the 8-K filed Jul 30, 2026
      3Q26
      Network Volume Initiated $3.43B – $3.63B
      Adjusted EBITDA Initiated $120M – $130M
      GAAP Net Income Initiated $42M – $52M
      Total Revenue and Other Income Initiated $370M – $390M
      FY26
      Network Volume Initiated $12.5B – $13.25B
      Adjusted EBITDA Initiated $460M – $490M
      GAAP Net Income Initiated $155M – $180M
      Total Revenue and Other Income Initiated $1.43B – $1.53B
      3Q'26
      Total Revenue & Other Income Initiated $370M – $390M
      prior qtr $387.04M midpoint −1.8% QoQ
      FY'26
      Total Revenue & Other Income Initiated $1.43B – $1.53B
      prior FY $1.3B midpoint +13.3% Y/Y
      Prior guidance period ended · from the 8-K filed May 7, 2026
      Network Volume · 2Q26 $2.88B – $3.08B
      Total Revenue and Other Income · 2Q26 $345M – $365M
      Adjusted EBITDA · 2Q26 $100M – $115M
      GAAP Net Income · 2Q26 $25M – $45M
      Guided vs delivered · last 3 settled
      Total Revenue & Other Income FY25E
      guided $1.3B – $1.33B
      $1.3B In line
      Total Revenue & Other Income Implied 4Q'25
      guided $333M – $358M
      $334.81M In line
      Total revenue and other income full year 2023
      guided $800M – $825M
      $812.05M In line

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 2 · 3
      50 / 200-day cross
      Golden cross Bullish
      Price vs 200-day avg
      +17% Bullish
      Price vs 50-day avg
      +14% Bullish
      RSI (14)
      56 Neutral
      MACD trend
      Negative Bearish
      52-week position
      30% Neutral
      Market signals — smart money & positioning
      Mixed
      Trend (MA cross) Golden cross
      50d $18 › 200d $17 — 50d above 200d
      Institutional flow Accumulating
      +1% holders QoQ · +56 funds added
      Insider flow Distributing
      Net -$1.4M over 90 days · 80% sells
      Short interest Rising
      14.52% of float · ▲ +2.5% MoM · 4.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      233 holders — mid 3-yr range
      Price context
      position in its 52-week range
      Range low $11 Now $20 · 30% Range high $44
      vs 200-day avg +17% vs 50-day avg +14% 50-day above 200-day golden cross

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      ABS funding 3.7B 2Q'26 —
      Adjusted EBITDA margin non-GAAP 32% Q2 —
      annualized Auto vertical network volumes 4.8B 2Q'26 —
      Application volume growth 29% Q2 —
      Core Operating Expenses non-GAAP $92.5M Six Months Ended June 30, 2026 —
      Core Operating Expenses as a % of FRLPC non-GAAP 34% Six Months Ended June 30, 2026 —
      Dealerships connected 30,000 Q2 —
      Fee Revenue Less Production Costs (FRLPC) non-GAAP $268.35M Six Months Ended June 30, 2026 —
      FRLPC % non-GAAP 4.4% Six Months Ended June 30, 2026 —
      FRLPC as a percentage of network volume 4.2% Q2 —
      Institutional investor network 174 Q2 —
      Lending partners 36 Q2 —
      Loan applications processed 4T Q2 —
      Net income margin (as % of FRLPC) 31% Q2 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Software - Infrastructure — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      PGY
      Pagaya Technologies Ltd.
      this stock
      		$1.76B -2.1% +26.1% — 14.5%
      MSFT
      Microsoft Corp
      		 $3.57T +0.1% +6.9% 26.8 1.1%
      ORCL
      Oracle Corp
      		 $413.69B -26.2% +17.3% 24.6 1.7%
      PLTR
      Palantir Technologies Inc.
      		 $413.22B -1.4% +56.2% 147.0 2.8%
      PANW
      Palo Alto Networks Inc
      		 $303.58B +95.3% +29.0% 305.3 2.6%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Reducing
      Holders
      233
      % held
      49.6%
      Net QoQ
      -2.0M sh
      Top holder
      FRONTIER CAPITAL MANAGEME…
      Held Float
      View
      Held by Funds
      Fund positions
      55
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      12.4M
      Days to cover
      4.2d
      Change
      +307.6K sh
      View
      Short Volume
      Short vol %
      30%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      17.7K
      Value
      $312.1K
      As of
      Jul 31, 2026
      View
      Off-Exchange
      Off-exchange %
      41.5%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$1.4M
      Buyers / Sellers
      1 / 4
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $1.3B
      Net income (FY)
      $81.4M
      EPS diluted
      $0.93
      View
      Filings
      SEC Filings
      Latest
      Investor Event Transcript
      Filed
      Sep 30, 2026
      This year
      13
      View
      Proposed Sales
      Value
      $468.4K
      Shares
      21.3K
      Filed
      Aug 3, 2026
      View
      Exempt Offerings
      Offering
      $75.0M
      Filed
      Jun 6, 2023
      View
      Earnings & Events
      Earnings Calls
      Last call
      Aug 11, 2026
      View

      Performance

      Raw-price comparisons begin at the captured split on Mar 8, 2024; windows that need an earlier baseline remain unavailable.

      5D 20D 120D MTD YTD
      PGY +0.8% +21.4% +65.0% +6.2% -2.1%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY +1.2% +18.5% +53.4% +3.3% -14.8%
      Key facts CIK 1883085 CUSIP M7S64L123 13F (30d) 220 filings 217 filers Visit website Investor relations

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