Nama's AI scorecard currently rates Pagaya Technologies Strong Buy (8.9 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is PGY's P/E ratio?

Pagaya Technologies trades at a trailing price-to-earnings ratio of 4.8.

When does PGY report earnings?

Pagaya Technologies's next scheduled report is on Jan 28, 2027. Analysts expect EPS of $0.98.

What is the PGY price target?

The median analyst price target from 11 analysts is $27.00, with a range of $23.00 – $38.00.

Is PGY Shariah compliant?

Nama's AAOIFI-style screen reads Pagaya Technologies as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Nama Insights

Pagaya Technologies (PGY)

Technology · Software Infrastructure · NASDAQ

Pagaya Technologies (PGY) is a Technology company in the Software Infrastructure industry. It has a market capitalization of $1.47B, a trailing price-to-earnings ratio of 4.8 and a free-cash-flow yield of 15.4%. Over the most recent reported fiscal year, revenue grew 25.6% and free cash flow per share grew 681.9%. Nama's AI scorecard rates it Strong Buy, 8.9 out of 10. On 12-month momentum it ranks in the lagging band of its market.

AI scorecard

Strong Buy · 8.9/10

The top band of the Fundamental Verdict (8.6–10). As of Nov 7, 2026.

Momentum

Lagging · -22.4% over 12 months ex. last

Second-worst fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-95.8%

How far the last close sits under the highest price of the past five years.

Market cap	$1.47B
Trailing P/E	4.8
Price / book	2.5
Price / sales	1.1
FCF yield	15.4%
Dividend yield	—
Gross margin	40.6%
Operating margin	21.2%
Net margin	9.6%
Revenue growth (YoY)	+25.6%
Revenue growth (3-yr annual)	+22.5%
EPS growth (YoY)	+246.2%
FCF/share growth (YoY)	+681.9%
Beta	5.5
Exchange	NASDAQ
Sector	Technology
Industry	Software Infrastructure

PGY earnings

Next report: Jan 28, 2027 (Q4 2026, EPS estimate $0.98). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 29, 2026	$1.07	$1.00	+7.0%	$362.15M
Q2 2026	Jul 30, 2026	$1.07	$0.72	+48.6%	$365.64M
Q1 2026	May 7, 2026	$0.73	$0.56	+30.4%	$298.99M
Q4 2025	Feb 9, 2026	$0.80	$0.77	+3.9%	$321.04M

PGY analyst price target

Median target $27.00 from 11 analysts, ranging $23.00 – $38.00.

Software Infrastructure peers

Ticker	Company	Market cap	P/E
MSFT	Microsoft	$3.94T	29.4
PLTR	Palantir Technologies	$386.44B	112.2
ORCL	Oracle	$361.97B	14.4
PANW	Palo Alto Networks	$256.86B	81.9
CRWD	CrowdStrike	$222.09B	195.4
NET	Cloudflare	$95.70B	224.0
FTNT	Fortinet	$87.31B	34.5
SNPS	Synopsys	$86.32B	32.3

Explore live PGY data on Nama Insights →

PGY FAQ

Is PGY a buy?: Nama's AI scorecard currently rates Pagaya Technologies Strong Buy (8.9 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is PGY's P/E ratio?: Pagaya Technologies trades at a trailing price-to-earnings ratio of 4.8.
When does PGY report earnings?: Pagaya Technologies's next scheduled report is on Jan 28, 2027. Analysts expect EPS of $0.98.
What is the PGY price target?: The median analyst price target from 11 analysts is $27.00, with a range of $23.00 – $38.00.
Is PGY Shariah compliant?: Nama's AAOIFI-style screen reads Pagaya Technologies as Not Shariah Compliant. At least one of the three ratios or the industry test failed.