Pagaya Technologies Ltd Class A (PGY)

Pagaya Technologies Ltd. stock has experienced significant growth, with a 166.15% increase over the past six months and a year-to-date return of 205.05% as of late October 2025, but has recently decreased by 17.11% in the last month. Key events impacting the stock price include strong earnings reports with GAAP net income in both Q1 and Q2 2025, successful asset-backed securitization transactions including PAID 2025-5 and PAID 2025-7, an upsized senior notes offering of $500 million, expansion into new lending programs like POSH, and positive analyst sentiment.

Information regarding specific demand seasonality for Pagaya Technologies Ltd.'s products and services is not explicitly detailed. However, the company's efforts to diversify its lending portfolio are aimed at reducing cyclical risk and improving resilience across economic cycles. The company's capital-light model and diversified funding network are also designed to provide stability during varying market conditions.

Pagaya Technologies Ltd. is a FinTech company utilizing AI and machine learning to transform the lending marketplace. Its AI-powered platform enables financial institutions to make accurate, real-time credit assessments for various loans, including personal, car, and credit card loans, as well as residential real estate products. The company offers asset management services, including securitization and portfolio optimization tools, and its "pre-screen" solution allows lenders to present pre-approved offers to existing customers. Pagaya connects lending partners with institutional investors.

Pagaya Technologies Ltd. operates in the United States, Israel, and the Cayman Islands, with offices in New York, New York, and Tel Aviv, Israel.

Pagaya Technologies has cultivated a strong brand reputation driven by its AI-driven financial solutions and consistent operational performance. This is reflected in positive analyst and investor sentiment, successful capital market activities, achieving GAAP net income in consecutive quarters, strategic partnerships and diversification, and transparency and engagement.

Pagaya Technologies Ltd. has a diverse ownership structure comprising institutional, individual/insider, and retail investors. Institutional investors own approximately 11.37% to 63.17% of the stock, with major holders including BlackRock, Inc., Frontier Capital Management Co Llc, and Vanguard Group Inc. Insiders own approximately 8.99% to 17.69% of the stock, with major individual shareholders including Gal Krubiner, Yahav Yulzari, and Avital Pardo. Retail investors hold a significant portion, estimated at around 72.08%.