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. With a market capitalization of $1.58B, it sits in small-cap territory. 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
$1.58B
Beta
5.52
P/E (TTM)
13.78
P/E (Fwd)
4.60
EPS (TTM)
$1.37
EPS (Fwd)
$4.10
ROE
19.5%
ROA
14.0%
Cash
$1.29B
Total Debt
$907.3M
Free CF
$207.2M
52W Change
-34.9%
Annual Financials
Cash vs Debt
Where PGY stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, PGY finished 4.68% above its 150-day moving average ($16.65) and 4.43% above its 200-day moving average ($16.69). 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 October 20, 2026 close, PGY's RSI(14) was 50.5, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Pagaya Technologies Ltd. holds $1.29B in cash against $907.3M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. The company generates $207.2M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. ROE of 19.5% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Pagaya Technologies Ltd. and its sector.