Pagaya Technologies Ltd Class A (PGY)

Pagaya Technologies Ltd. (PGY) stock has experienced notable events and fluctuations over the past six months, including a significant increase of 202.67% between January 13, 2025, and January 9, 2026. In November 2025, Pagaya reported strong third-quarter results, leading to raised earnings guidance. The company achieved GAAP profitability starting from the first quarter of 2025 and continued to post consistent growth in network volume. In January 2026, the stock closed up following investor optimism and recognition as a top stock to buy for 2026 by Zacks Investment Research. In October 2025, Pagaya's stock was noted to be undervalued despite strong operational performance. In mid-September 2025, Pagaya's stock experienced a collapse, raising concerns among shareholders. In December 2025, shares closed down with no company-specific news. In September 2024, the stock fell after the company announced a debt refinancing plan. Concerns have been raised regarding impairment charges, weak guidance, and potential growth deceleration.

Information regarding the specific demand seasonality for Pagaya Technologies Ltd.'s products and services is not readily available. Detailed data requires a subscription, preventing a comprehensive analysis based on the current information.

Pagaya Technologies Ltd. is an Israel-based FinTech company utilizing data science, machine learning, and AI to transform the lending marketplace. It operates in the Fintech sector, specifically the Software - Infrastructure industry, and is categorized under Other Financial Services. Pagaya's core product is an AI-driven underwriting platform that enables financial services providers and their customers to access credit. Lending companies can discover and approve new customers who meet their credit criteria through Pagaya's AI network. The company's technology provides loan assistance for personal, car, and credit card loans, integrating via API into a network of partners including fintech companies, banks, financial institutions, auto finance providers, and real estate service providers.

Pagaya Technologies Ltd. serves clients globally, with significant operations and primary revenue generation in the United States. The company also has a presence in Israel and the Cayman Islands, with offices in New York and Tel Aviv.

Pagaya Technologies Ltd.'s brand reputation has seen both positive developments and critical scrutiny. The company has garnered positive attention for its AI-driven lending platform and profitability. However, a critical report questioned management's assurances regarding credit-related impairments. Concerns about potential shareholder dilution following a debt refinancing plan also impacted investor confidence. Reports highlighted concerns about ongoing impairment charges, weak guidance, and potential growth deceleration.

Pagaya Technologies Ltd. has a mixed ownership structure comprising institutional investors, individual investors (general public), and insiders. Institutions hold a significant portion of the company's shares. The general public holds a portion of the company's stock. Insiders own a notable proportion of shares, with Gal Krubiner being a significant shareholder.