Pagaya Technologies Ltd. (PGY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Pagaya Technologies Ltd. stock (PGY) is currently trading at $11.25. Pagaya Technologies Ltd. PE ratio is 11.44. Pagaya Technologies Ltd. PS ratio (Price-to-Sales) is 0.68. Analyst consensus price target for PGY is $27.55. WallStSmart rates PGY as Moderate Buy.
- PGY PE ratio analysis and historical PE chart
- PGY PS ratio (Price-to-Sales) history and trend
- PGY intrinsic value — DCF, Graham Number, EPV models
- PGY stock price prediction 2025 2026 2027 2028 2029 2030
- PGY fair value vs current price
- PGY insider transactions and insider buying
- Is PGY undervalued or overvalued?
- Pagaya Technologies Ltd. financial analysis — revenue, earnings, cash flow
- PGY Piotroski F-Score and Altman Z-Score
- PGY analyst price target and Smart Rating
Pagaya Technologies
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PGY Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Pagaya Technologies Ltd. (PGY)
PGY trades 104% above its Graham fair value of $6.32, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Pagaya Technologies Ltd. (PGY) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/sales. Overall metrics suggest strong investment potential with favorable risk/reward.
Pagaya Technologies Ltd. (PGY) Key Strengths (5)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
Strong operational efficiency: $24 kept per $100 revenue
Trading at 1.83x book value, attractively priced
61.53% held by institutions, strong professional interest
Supporting Valuation Data
Pagaya Technologies Ltd. (PGY) Areas to Watch (4)
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Solid revenue growth at 19.80% per year
Pagaya Technologies Ltd. (PGY) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, Operating Margin. Valuation metrics including PEG Ratio (0.03), Price/Sales (0.68), Price/Book (1.83) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 23.80%.
The Bear Case
The primary concerns are Profit Margin, Market Cap, Return on Equity. Growth concerns include Revenue Growth at 19.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.00%, Profit Margin at 6.25%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Profit Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 19.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Price/Sales) and negatives (Profit Margin, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PGY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PGY's Price-to-Sales ratio of 0.68x trades 41% below its historical average of 1.15x (16th percentile). The current valuation is 92% below its historical high of 8.16x set in Jul 2022, and 125% above its historical low of 0.3x in Nov 2022.
WallStSmart Analysis Synopsis
Data-driven financial summary for Pagaya Technologies Ltd. (PGY) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
Pagaya Technologies Ltd. is a strong growth company balancing expansion with improving profitability. Revenue reached 1.3B with 20% growth year-over-year. Profit margins are thin at 6.3%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 1300.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 77M in free cash flow and 80M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Pagaya Technologies Ltd. push profit margins above 15% as the business scales?
Volatility is elevated with a beta of 5.94, so expect amplified moves relative to the broader market.
Debt management: total debt of 802M is significantly higher than cash (218M). Monitor refinancing risk.
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact Pagaya Technologies Ltd..
Bottom Line
Pagaya Technologies Ltd. offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(18 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:27:58 AM
About Pagaya Technologies Ltd.(PGY)
NASDAQ
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
Pagaya Technologies Ltd. is a financial technology company in Israel, the United States and the Cayman Islands. The company is headquartered in Tel Aviv, Israel.