PGY · Pagaya Technologies Ltd.
$21.42
-0.38 (-1.74%)
At close · Aug 6
Market Cap
$1.83B
Shares
85.45M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$21.42
Open$20.96
Day$20.80–21.90
52W$10.40–44.99
Avg vol 30d3.8M
Short int12.1M · 14.2% float · 3.6d
Short vol58%
Last earningsJul 30, 2026
DataApr 2021–Aug 2026
Filing10-Q · Jul 30
Up next
Next earnings call
Oct 27, 2026
Est · unconfirmed
· in 12 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 30, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
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 adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very High
Market backdrop
VIX 15.2 · calm
Equity put/call 0.60
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+20%
above
Price vs 50-day avg
+28%
above
RSI (14)
67
neutral
MACD trend
Positive
52-week position
32%
mid-range
Momentum
relative strength
1-month return
+20%
trailing
6-month return
+73%
trailing
YTD return
+2%
this year
Relative strength
+60%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $17 › 200d $18 — 200d above 50d
Institutional flow
Accumulating
63 of 220 funds reported for Jun 30 · net +193.0K sh shares · +14 new
Insider flow
Distributing
Net -$1.4M over 90 days · 80% sells
Short interest
Rising
14.16% of float · ▲ +11.4% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
220 holders — mid 3-yr range
Squeeze score
94
high risk · 0–100
Fundamentals
Revenue growth
+26%
Y/Y
EPS growth
+116%
Y/Y
Free cash flow
$224.7M
Valuation
P/E 15.3
below peers
Balance sheet
$86.0M
net debt
Quant / Vol
risk profile
Volatility
78%
annualized · 1-yr
Max drawdown
−76%
past year
ATR
6.1%
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
Latest guidance
· from the 8-K filed Jul 30, 2026
3Q26
Network Volume
Initiated
$3.43B – $3.63B
Total Revenue and Other Income
Initiated
$370M – $390M
prior qtr $387.04M
midpoint −1.8% QoQ
GAAP Net Income
GAAP
Initiated
$42M – $52M
Adjusted EBITDA
Initiated
$120M – $130M
FY26
Network Volume
Raised
$12.5B – $13.25B
Total Revenue and Other Income
Lowered
$1.43B – $1.53B
prior FY $1.3B
midpoint +13.3% Y/Y
GAAP Net Income
GAAP
Initiated
$155M – $180M
Adjusted EBITDA
Initiated
$460M – $490M
Guided vs delivered
· last 1 settled
Total Revenue and Other Income
2Q26
guided $345M – $365M
$387.04M
Beat +9.0%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+20%
Bullish
Price vs 50-day avg
+28%
Bullish
RSI (14)
67
Neutral
MACD trend
Positive
Bullish
52-week position
32%
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $17 › 200d $18 — 200d above 50d
Institutional flow
Accumulating
63 of 220 funds reported for Jun 30 · net +193.0K sh shares · +14 new
Insider flow
Distributing
Net -$1.4M over 90 days · 80% sells
Short interest
Rising
14.16% of float · ▲ +11.4% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
220 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $10
Now $21 · 32%
52-wk high $45
vs 200-day avg +20%
vs 50-day avg +28%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ABS funding | 3.7B | Q2 2026 | — |
| Adjusted EBITDA non-GAAP | $124M | Q2 2026 | — |
|
|
|||
| annualized Auto vertical network volumes | 4.8B | Q2 2026 | — |
| Network volume | 3.5B | Q2 2026 | — |
|
|
|||
| Revenue from fees less production costs ("FRLPC") non-GAAP | $147M | Q2 2026 | — |
|
|
|||
| Adjusted net income non-GAAP | $275M | full year 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Software - Infrastructure — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PGY
this stock
Pagaya Technologies Ltd.
|
$1.83B | +2.5% | +26.1% | 15.3 | 14.2% |
|
MSFT
Microsoft Corp
|
$3.71T | +3.8% | +17.8% | 27.9 | 1.2% |
|
ORCL
Oracle Corp
|
$413.26B | -25.7% | +17.3% | 24.6 | 1.7% |
|
PLTR
Palantir Technologies Inc.
|
$374.68B | -12.3% | +16.7% | 133.3 | 3.2% |
|
PANW
Palo Alto Networks Inc
|
$292.98B | +95.2% | +29.0% | 294.7 | 2.5% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PGY | +21.4% | +20.1% | +72.7% | +11.2% | +2.5% |
| SPY | +3.6% | +2.2% | +12.8% | +2.9% | +12.7% |
| vs SPY | +17.8% | +17.8% | +59.9% | +8.3% | -10.2% |
Key facts
CIK
1883085
CUSIP
M7S64L123
13F (30d)
52 filings
52 filers
Visit website
Investor relations