MARKET WIREYahoo Finance • 12h ago
Why Pagaya Technologies Ltd. (PGY) Outpaced the Stock Market TodayYahoo Finance report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
Why PGY Stock dropped -7.59% Today — RQD Quant Desk Flash
$19.23 -7.59% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)
EXT / AFTER-HRS: $19.01
Pagaya Technologies Ltd. (Class A) (PGY) earns a Roarable Rating of B+ (Buy) with 76/100 RQD Confidence. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
ROARABLE B+ • BUY
Cap $1.74B
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Is PGY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Pagaya Technologies Ltd. (Class A) (NASDAQ: PGY) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $19.23 (-7.59% 1D, market cap $1.74B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, PGY ranks #30 in composite RQD confidence.
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How does PGY compare to WLTH and TRIN in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), PGY carries a Roarable B+ (76/100 RQD), trailing P/E of 21.3x, gross margin of —, and ROIC of 85.0%. By comparison, WLTH (Wealthfront Corporation) holds a D grade (51/100 RQD, P/E N/A, ROIC -6.8%, cap $1.65B) and TRIN (Trinity Capital Inc.) posts a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $1.63B). Among the 5-stock peer group, ATLC leads on earnings multiple (12.3x) while PGY leads on capital efficiency (85.0% ROIC).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for PGY?
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Per PGY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001883085), Pagaya Technologies Ltd. (Class A) generated $1.26B in revenue (+25.6% YoY), $81.4M in net income, and $224.7M in free cash flow against $1.55B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
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INTERACTIVE SCENARIO DECK:
EXT / AFTER-HRS: $19.01 (-1.13%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 19/20 (A+) • 17.8% FCF Margin
Verify 90D Bucket Audit →📊 Historical Track Record: Scores of 76/100 (B+) historically ranked in the Top 11% of excess returns over the next 90 days (+7.6% avg 90D alpha vs SPY • 70.0% hit rate).
Audit Bucket Track Record →RQD QUANT TACHOMETERBUY • B+
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
5-PILLAR SNOWFLAKE RADARRw A- · Rk C
Each axis scored 0–20
12M PRICE TARGET CONE+8.1% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PGY)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (76/100 Composite)
🔍 WHY PGY SCORES 76/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+19/20 pts (25% of score)
SEC XBRL FY 2025 (10-K): 17.8% FCF Margin ($224.7M FCF) & 52% Gross Margin
▲ #2 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (22% of score)
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
▼ #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)
Macro rate sensitivity & RSI-14 (59.6) create a -8 pt regime headwind
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade B-$17.41+0.1% Next Q
68
Q2 (-2Q)Grade B$17.43+8.3% Next Q
71
Q3 (-1Q)Grade B$18.88+1.9% Next Q
73
CurrentGrade B+$19.23+7.6% Hist 90D α
76
Trajectory: B- (68) → B+ (76)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the PGY Bull Thesis Could Fail
Even with a 76/100 (B+) score, PGY faces multiple-compression risk if 21.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Broader market pullbacks can still drag down strong stocks in the short run.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($19.73) or 200D SMA ($16.47) invalidates the momentum regime and cuts Target Base ($20.79) toward Bear Floor ($15.77).
🎲 LIVE PREDICTION MARKET ODDS TIED TO $PGY• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PGY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why PGY Stock dropped -7.59% Today — RQD Quant Desk Flash
Pagaya Technologies Ltd. (Class A) (PGY) dropped -7.59% to $19.23, trading at 46% of its 52-week range ($10.4 – $29.75). High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.
- ▸Technical Tape: Trading at 46% of its 52-week range ($10.4 – $29.75) with RSI-14 at 59.6 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±12.5% around $19.23 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable B+ (Buy) backed by 52% gross margin and $224.7M annual free cash flow.
Live PGY Headlines & Catalysts
RISK WATCHThe Motley Fool • 15h ago
Why Pagaya Stock Dropped 20% in SeptemberThe Motley Fool report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
MARKET WIRESeeking Alpha • 18h ago
Pagaya Technologies: Stuck In The Fintech Discount Isle (NASDAQ:PGY)Seeking Alpha report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
MARKET WIRETradingView • 21h ago
Should You Buy, Hold or Sell Pagaya Stock Ahead of Q3 Earnings?TradingView report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
MARKET WIREStock Titan • 1d ago
A 100th loan-backed deal puts Pagaya’s lifetime issuance above $44 billion.Stock Titan report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
RISK WATCHSimply Wall St • 1d ago
Pagaya (PGY) Stock Sinks Despite Q3 Earnings Margin BreakthroughSimply Wall St report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
CATALYSTYahoo Finance • 1d ago
Does Pagaya Technologies’ (PGY) New Funding Facility Subtly Redefine Its Capital-Light Growth Narrative?Yahoo Finance report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
CATALYSTTradingView • 1d ago
PGY vs. OMF: Which Consumer Lending Stock Has Better Growth Potential?TradingView report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
CATALYSTBenzinga • 3d ago
TD Cowen Maintains Buy on Pagaya Technologies, Raises Price Target to $27TD Cowen analyst Moshe Orenbuch maintains Pagaya Technologies (NASDAQ:PGY) with a Buy and raises the price target from $25 to $27.
CATALYSTYahoo • 3d ago
PGY Gains as Q3 Earnings Beat on Record Revenues, Raises 2026 ViewPagaya shares gain after Q3 earnings beat estimates on record revenues and network volumes, prompting management to raise its full-year net income outlook.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk
Scheduled RQD Strong Buys & Whale Accumulation Briefing (PGY Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
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PGY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +33.91%📐 WEDGE COMPRESSION COIL
2026-11-02O $20.47H $20.81L $19.23C $19.23VOL 3.33M
RES: $21.03SUP: $16.56SMA50: $19.73SMA200: $16.47
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK
PGY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Share Count & Dilution Monitor (#25)
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
Reverse-DCF Expectations Hurdle (#30)
15.0%/yr Implied 5Y Growth
vs. +25.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
Ellis Vennor Setup Ledger (#33)
No active Ellis Vennor swing setup published on PGY today. View full Setup Ledger →
🦋 Documented & Second-Order Butterfly Connections
Open Graph →
No direct multi-tier Butterfly edges indexed yet for PGY. Explore sector supply chains on /butterfly.
AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PGY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PGY)
Financials Rank #30 of 1096
⚔️ WLTH vs PGY Full Matrix →
1. Head-to-Head Financials Peer Comparison (PGY vs. WLTH, TRIN, HAPN, ATLC)
Industry: Finance: Consumer Services (156 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, Pagaya Technologies Ltd. (Class A) (PGY) ranks #30 by composite RQD confidence (76/100, grade B+) and #454 by equity capitalization ($1.74B). Within this direct 5-issuer industry benchmark cohort, ATLC leads on earnings valuation at 12.3x trailing P/E, while PGY leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. PGY currently leads its immediate peer cohort in composite quantitative strength at 76/100 (B+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PGY
ACTIVE
Pagaya Technologies Ltd. (Class A) | B+ | 76/100 | 21.3x | — | 85.0% | -7.59% | $1.74B | Benchmark Subject |
| WLTH Wealthfront Corporation | D | 51/100 | — | — | -6.8% | -2.75% | $1.65B | /wlth-vs-pgy → |
| TRIN Trinity Capital Inc. | D- | 43/100 | — | — | — | -1.51% | $1.63B | /trin-vs-pgy → |
| HAPN Happen Inc. | D- | 42/100 | 13.6x | — | 9.0% | -3.18% | $1.85B | /hapn-vs-pgy → |
| ATLC Atlanticus Holdings Corporation | C+ | 69/100 | 12.3x | — | 19.8% | -4.78% | $1.49B | /atlc-vs-pgy → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001883085In its most recent audited fiscal period (FY2025, filed 2025-12-31), Pagaya Technologies Ltd. (Class A) (PGY) reported GAAP revenue of $1.26B (+25.6% vs. FY2024 revenue of $1.00B , and +63.2% cumulative change since FY2023) , GAAP net income of $81.4M, operating cash flow of $238.6M, and free cash flow of $224.7M (+648.7% YoY). On the balance sheet, PGY closed FY2025 with $1.55B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.26B | $81.4M | $238.6M | $224.7M | $1.55B | — |
| FY2024 (FY) | 2024-12-31 | $1.00B | -$401.4M | $47.8M | $30.0M | $1.29B | — |
| FY2023 (FY) | 2023-12-31 | $772.8M | -$128.4M | -$21.7M | -$21.7M | — | — |
3. PGY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs PGY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Pagaya Technologies Ltd. (Class A) (NASDAQ: PGY) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $19.23 (-7.59% 1D, market cap $1.74B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, PGY ranks #30 in composite RQD confidence.
How does PGY compare to WLTH and TRIN in the Financials sector?
Within the Financials sector (Finance: Consumer Services), PGY carries a Roarable B+ (76/100 RQD), trailing P/E of 21.3x, gross margin of —, and ROIC of 85.0%. By comparison, WLTH (Wealthfront Corporation) holds a D grade (51/100 RQD, P/E N/A, ROIC -6.8%, cap $1.65B) and TRIN (Trinity Capital Inc.) posts a D- grade (43/100 RQD, P/E N/A, ROIC —, cap $1.63B). Among the 5-stock peer group, ATLC leads on earnings multiple (12.3x) while PGY leads on capital efficiency (85.0% ROIC).
What are the biggest fundamental strengths and SEC risk factors for PGY?
Per PGY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001883085), Pagaya Technologies Ltd. (Class A) generated $1.26B in revenue (+25.6% YoY), $81.4M in net income, and $224.7M in free cash flow against $1.55B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is PGY trading relative to its 50-day, 200-day, and 52-week technical levels?
PGY last traded at $19.23 (-7.59% on volume of 2,414,640 shares), positioning the stock -2.53% below its 50-day simple moving average ($19.73) and +16.76% above its 200-day simple moving average ($16.47). Across its 52-week range of $10.40 to $29.75, PGY sits at the 45.6% percentile with a 14-day RSI of 59.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($16.83 to $21.63).
PGY Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is PGY stock moving today?
Why PGY Stock dropped -7.59% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 85% return on capital) with steady institutional support.
ROARABLE RATING BRIEF • RQD 76/100 (B+)
✓ STAGE-C NUMBER FIREWALL VERIFIED
PGY — Pagaya Technologies Ltd. (Class A): What the Facts Mean to a Prospective Investor
Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:27:53Z
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, PGY scores 76 out of 100, grading B+, with the verdict label "Roarable Buy — Very Good Cash & Smart-Money Inflow." The five pillars are: Fundamental Cash Engine 19/20 (ROIC 85%; FCF yield 12.94%), Whale 13F Flow 15/20 (institutional accumulation and options positioning), Insider Conviction 17/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit 12/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet 13/20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5). For a prospective investor, the strongest pillar is the cash engine, where high ROIC and a high FCF yield suggest the business generates substantial cash relative to its market value; this is an upside driver if those returns persist. The most moderate pillars are macro fit and the balance sheet, meaning the stock's sensitivity to market and sector conditions and its financial cushion are less compelling than its cash generation. The valuation tradeoff is visible in the market data: trailing P/E of 21.3 versus forward P/E of 17.9 implies expected earnings growth in the source's framing, but the stock's 52-week range of $10.4 to $29.75 shows large price volatility. The score reflects a tilt toward cash generation and insider/institutional interest rather than a clean balance sheet.
Snapshot
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $1261.3M | $263.8M | $81.4M | N/A | $224.7M | $235.3M | N/A |
| FY 2024 | $1004.5M | $66.8M | $-401.4M | N/A | $30.0M | $187.9M | N/A |
| FY 2023 | $772.8M | $-24.4M | $-128.4M | N/A | $-21.7M | N/A | N/A |
Per the SEC financials, revenue rose from $772.8M in FY 2023 to $1261.3M in FY 2025, and operating income moved from $-24.4M to $263.8M over the same span. Net income was $81.4M in FY 2025 after $-401.4M in FY 2024. Per the market data, operating margin is 20.9% and net margin is 6.5%, with gross margin listed as 0%. Per the Roarable RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 6/9, with Debt/Equity at 0.5. The Altman Z-Score and Piotroski values are the source's forensic inputs; the source does not provide debt amounts for the periods shown.
Recent Catalysts & News Wire Analysis
- Market action (YELLOW, MARKET WIRE): A Yahoo Finance report describes PGY outpacing the stock market on the day.
- Risk watch (RED, RISK WATCH): A Motley Fool report titled around a 20% drop in September is flagged as a risk item.
- Sentiment (YELLOW, MARKET WIRE): A Seeking Alpha piece characterizes the stock as stuck in a fintech discount.
- Earnings preview (YELLOW, MARKET WIRE): A TradingView piece addresses buy, hold, or sell positioning ahead of Q3 earnings.
- Issuance milestone (YELLOW, MARKET WIRE): A Stock Titan report describes a 100th loan-backed deal, with lifetime issuance above $44 billion.
- Margin signal (RED, RISK WATCH): A Simply Wall St report describes the stock sinking despite a Q3 earnings margin improvement.
The butterfly supply-chain graph lists supply_chain as NONE with no butterfly links and no proprietary signals, so no supply-chain catalysts are available.
Open Questions
- What are the company's products, customers, and revenue model, given that the profile provides only sector and industry labels?
- What are the reported debt and EPS figures, since the source lists these as N/A across periods?
- What drove the swing from a $-401.4M net loss in FY 2024 to $81.4M net income in FY 2025, and is it recurring?
- What is the outcome of the Q3 earnings report referenced in the news wire, and how did it affect margins?
- What specifically caused the reported 20% September decline, and is that risk still present?
PGY Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Pagaya Technologies Ltd. (Class A) (PGY) • Click "Debate This Headline" to argue it in the Roar Pit below
🟡 MARKET WIRE Yahoo Finance • 12h ago
Why Pagaya Technologies Ltd. (PGY) Outpaced the Stock Market Today Yahoo Finance report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH The Motley Fool • 15h ago
Why Pagaya Stock Dropped 20% in September The Motley Fool report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Seeking Alpha • 18h ago
Pagaya Technologies: Stuck In The Fintech Discount Isle (NASDAQ:PGY) Seeking Alpha report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE TradingView • 21h ago
Should You Buy, Hold or Sell Pagaya Stock Ahead of Q3 Earnings? TradingView report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
🟡 MARKET WIRE Stock Titan • 1d ago
A 100th loan-backed deal puts Pagaya’s lifetime issuance above $44 billion. Stock Titan report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
🔴 RISK WATCH Simply Wall St • 1d ago
Pagaya (PGY) Stock Sinks Despite Q3 Earnings Margin Breakthrough Simply Wall St report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST Yahoo Finance • 1d ago
Does Pagaya Technologies’ (PGY) New Funding Facility Subtly Redefine Its Capital-Light Growth Narrative? Yahoo Finance report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
🟢 CATALYST TradingView • 1d ago
PGY vs. OMF: Which Consumer Lending Stock Has Better Growth Potential? TradingView report covering Pagaya Technologies Ltd. (Class A) (PGY) market action, institutional positioning, and fundamental catalysts.
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE
3 Active Posts & Replies
PGY Bull vs. Bear Conversation Board — What's Your Call at $19.23?
🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PGY 🐻 33% BEARISH CONVICTION
RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH
🎯 Target: $24.56 (+18.0%)
📌 Pinned Debate 🔥 Official Bull vs. Bear Debate: Is PGY (B+ • RQD 76/100) a Buy at $20.81?
Welcome to the PGY (Pagaya Technologies Ltd. (Class A)) Roar Pit. Current RQD Composite is 76/100 (Roarable Buy — Very Good Cash & Smart-Money Inflow) in Finance: Consumer Services. Bulls point to capital efficiency (85.0% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
FO ForensicBear Forensic Accounting Watch 🐻 BEARISH
🎯 Target: $17.48 (-16.0%)
Spot @ $20.81 Pump the brakes on PGY — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on PGY, but look at what you are paying: 21.3x trailing P/E with tightening sector spreads. Unless Pagaya Technologies Ltd. (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
MI MidwestValue Verified K Arena Trader 🐂 BULLISH
🎯 Target: $24.76 (+19.0%)
Spot @ $20.81 PGY cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on PGY, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $20.81 (52-wk range $10.40 - $29.75), any beat on forward guidance forces shorts and underweight funds to chase.