Pagaya Technologies Ltd.
PGYTechnologyNASDAQSoftware - Infrastructure
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Daily timeframePagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and. The $1.92B market capitalization puts PGY squarely in small-cap range for its industry. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the tr.
Market Cap
$1.92B
Beta
5.37
P/E (TTM)
16.18
P/E (Fwd)
5.54
EPS (TTM)
$1.42
EPS (Fwd)
$4.15
ROE
19.5%
ROA
14.0%
Cash
$1.29B
Total Debt
$907.3M
Free CF
$207.2M
52W Change
-38.5%
Annual Financials
Cash vs Debt
Where PGY stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, PGY finished 42.76% above its 150-day moving average ($15.41) and 27.09% above its 200-day moving average ($17.31). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is PGY overbought or oversold?
At the September 3, 2026 close, PGY's RSI(14) was 53.3, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $1.29B in cash comfortably exceeding the $907.3M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Annual free cash flow of $207.2M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. Return on equity stands at 19.5%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Return on assets of 14.0% further supports the picture of efficient asset utilization. Revenue has grown from $685.4M (2022) to $1.26B (2025), reflecting a 84% increase over the period.
With a beta above 1.5, PGY tends to amplify broader market moves — both up and down. This higher volatility means larger price swings are common. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Pagaya Technologies Ltd.'s trajectory.