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PGY
Volume: 15.29K

PGY Stock Forecast & Price Target

PGY Analyst Ratings

Based on 8 analyst ratings
Buy
Strong Buy 50%
Buy 38%
Hold 13%
Sell 0%
Strong Sell 0%

Bulls say

Pagaya Technologies Ltd has demonstrated significant improvements in its operational efficiency, achieving a conversion rate of applications to underwritten loans of 23.9% in 2Q25, up from 15.2% the previous year, largely due to enhancements in its AI-driven credit decisioning engine. The company's strategic focus on maintaining credit performance over aggressive growth is evident, as indicated by its 30% year-over-year revenue growth, which, while lower than competitors, is intentionally designed to prioritize long-term credit quality. This disciplined approach, coupled with advancements in technology and a comprehensive credit ecosystem, positions Pagaya for sustainable growth within the lending marketplace.

Bears say

Pagaya Technologies Ltd's stock is under negative pressure due to declining credit performance observed in the lending marketplace, particularly highlighted by rising delinquencies in Upstart's asset-backed securities (ABS). The broader cross-asset and macroeconomic trends affecting credit performance raise concerns about the company's ability to maintain stable revenue generation amid increased borrower approvals and associated risk. This situation signals significant credit headwinds that may hinder Pagaya's growth and outlook, leading to caution among investors.

PGY has been analyzed by 8 analysts, with a consensus rating of Buy. 50% of analysts recommend a Strong Buy, 38% recommend Buy, 13% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Pagaya Technologies Ltd and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Pagaya Technologies Ltd (PGY) Forecast

Analysts have given PGY a Buy based on their latest research and market trends.

According to 8 analysts, PGY has a Buy consensus rating as of Jan 13, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $37.75, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $37.75, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Pagaya Technologies Ltd (PGY)

Volume: 15.29K

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