RankAlpha logo
Back to Rankings

PGY

PagayaD
Nasdaq / Software & Services
Last Price
At close
2026-06-02
View Chart
Current thesis
The bull case is that Pagaya is converting AI underwriting, partner distribution, and capital-markets access into durable earnings leverage: Q1 delivered a beat, FY26 GAAP net income guidance moved higher, and the company continues to add channels such as Experian Marketplace while funding execution remains active.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.5.
What can break
ABS/funding-market access is still a core dependency; wider spreads or weaker demand could pressure volume and margins.
Momentum
23
Value
72
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $14.20 · Bull $18.50 · Bear $10.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-01 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $27.60
Why
Momentum23 · Δ7d -4.4
Value72 · Δ7d -0.5
Sentiment42 · Δ7d -59.5
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Value · See fundamentals
Momentum
23
34% active weight
Current posture
7d trendSoftening
Δ7d
-4.4
Δ21d
-15.2
Value
72
32% active weight
Current posture
7d trendFlat
Δ7d
-0.5
Δ21d
-0.1
Sentiment
42
33% active weight
Current posture
7d trendSoftening
Δ7d
-59.5
Δ21d
-19.8
Why this grade

Composite grade D. Momentum 22.8 / Value 72.3 / Sentiment 41.7

Fundamentals (TTM)
As of 2026-06-01
Market Cap
$1.3B
Beta
5.88
Shares Out
80.4M
P/E (TTM) · Derived
16.3
P/S (TTM)
1.57
P/FCF (TTM)
10.53
Rev YoY
+36.1%
EPS YoY
+125.2%
Gross Margin
+42.4%
Op Margin
+13.8%
Net Debt
$455.83M
Current Ratio
4.07
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology