PGY

Pagaya Technologies Ltd.

Technology · $1.4B market cap

Verdict

Share price

$17.98

close of Oct 3, 2026

Fair value

$12.12

Sticker Price

Payback Price

$4.85

buy price

Overpriced

PGY is Overpriced: at $17.98 it trades 48% above its fair value of $12.12. Its buy price (Payback Price) is $4.85, 73% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Buffett Normalized. A profitable, growing business, so we project its earnings 10 years ahead and work out what that is worth today.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth—?
Equity per share growth-30.4% a year✗
Sales growth28.7% a year✓
Free cash flow growth51.0% a year✓
Return on invested capital6.3%✗

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Superinvestors

None of the investors we track holds PGY right now. In Q1 2026, 1 sold out. Who we track

Moves in Q1 2026

Sold out: Polen Capital Management

Insider activity

Since Jun 12, 2026: 1 open-market purchase worth $250K, 10 sales worth $2.1M and 9 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Sales

Other filings

About Pagaya Technologies Ltd.

Pagaya Technologies Ltd. is a financial technology enterprise operating across Israel, the United States, and the Cayman Islands. The company specializes in developing and implementing its proprietary artificial intelligence systems and associated software platforms. These advanced solutions are designed to assist its diverse range of partners – including rapidly growing fintech companies, traditional financial…

Software - Infrastructure

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works