PGY
Pagaya Technologies Ltd.NASDAQ
Technology • Software - Infrastructure
Factor tilt: Small-Cap Blend
$17.50+0.52%
Close Nov 6, 2026
- Market cap
- $1.72B
- 1 month
- -4.2%
- 3 months
- -19.0%
- 1 year
- -31.6%
- 52-week range
- $10.64$27.77
- Dividend
- No dividends on record
- Short interest
- 14.4% of float10.1M shares · settled Oct 15, 2026 · -5.6% since Sep 30, 2026 · FINRA
Fundamentals · trailing 12 months to Sep 30, 2026
- Revenue
- $1.35B
- Net income
- $154M
- Free cash flow
- $233.74M
- Book value
- $622.38M
- Total debt
- $1.02B
- P/E
- 11.2×
- Price / sales
- 1.3×
- Price / book
- 2.8×
- FCF yield
- +13.6%
- Net margin
- +11.4%
EODHD (TTM) · as of Nov 6, 2026
End-of-day close from stored market data, not a live quote.
About Pagaya Technologies Ltd.
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands.
Read more
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 transaction process. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was founded in 2016 and is headquartered in New York, New York.
- Website
- pagaya.com
- Headquarters
- New York, NY, United States
- Employees
- 518
- Listed
- Jun 23, 2022
- Fiscal year ends
- December
Company profile from EODHD, stored Nov 4, 2026.
Quarterly results
The last 8 fiscal quarters as reported (EODHD). Year over year compares the same quarter a year earlier.
| Quarter | Revenue | YoY | Gross margin | Op. income | Net income |
|---|---|---|---|---|---|
| Sep 2026filed Nov 2, 2026 | $362.2M | +6.6% | 40.4% | $84.2M | $49.7M |
| Jun 2026filed Jul 30, 2026 | $365.6M | +15.1% | 40.2% | $84.4M | $45.3M |
| Mar 2026filed May 7, 2026 | $299.0M | +5.8% | 40.6% | $61.1M | $24.7M |
| Dec 2025filed Mar 2, 2026 | $321.0M | +16.5% | 40.8% | $65.9M | $34.3M |
| Sep 2025filed Nov 10, 2025 | $339.9M | +36.3% | 41.0% | $69.7M | $22.5M |
| Jun 2025filed Aug 7, 2025 | $317.7M | +31.0% | 39.7% | $47.8M | $16.7M |
| Mar 2025filed May 7, 2025 | $282.7M | +19.3% | 40.9% | $40.4M | $7.9M |
| Dec 2024filed Mar 12, 2025 | $275.7M | +31.0% | 42.6% | $31.7M | -$237.9M |
Fiscal years · last 6
| Fiscal year | Revenue | YoY | Gross margin | Op. income | Net income |
|---|---|---|---|---|---|
| Dec 2025filed Mar 2, 2026 | $1.3B | +25.6% | 40.6% | $223.8M | $81.4M |
| Dec 2024filed Mar 12, 2025 | $1.0B | +30.0% | 40.5% | $66.8M | -$401.4M |
| Dec 2023filed Mar 8, 2024 | $772.8M | +12.8% | 34.1% | -$24.4M | -$128.4M |
| Dec 2022filed Apr 20, 2023 | $685.4M | +53.7% | 34.2% | -$315.0M | -$302.3M |
| Dec 2021filed Dec 31, 2021 | $445.9M | +386.0% | 47.9% | -$5.8M | -$91.2M |
| Dec 2020filed Dec 31, 2020 | $91.7M | +153.8% | 46.5% | $21.3M | $14.5M |
Short-interest history
FINRA reports open short positions for a settlement date. The publication date is later. These are reported positions, with a separate date for each observation.
Compare the reported short exposure around the dates you bought, sold or watched PGY. A long position benefits from price rises; a short position benefits from falls. A change in these counts does not predict either move.
Settlement Oct 15, 2026
10,118,386 shares short
-604,117 shares (-5.6%) vs Sep 30, 2026
14.4% of the stored float. Published Oct 26, 2026.
Settlement Sep 30, 2026
10,722,503 shares short
+576,689 shares (+5.7%) vs Sep 15, 2026
15.2% of the stored float. Published Oct 9, 2026.
Settlement Sep 15, 2026
10,145,814 shares short
-280,422 shares (-2.7%) vs Aug 31, 2026
16.1% of the stored float. Published Sep 24, 2026.
Settlement Aug 31, 2026
10,426,236 shares short
-954,137 shares (-8.4%) vs Aug 14, 2026
16.5% of the stored float. Published Sep 10, 2026.
Settlement Aug 14, 2026
11,380,373 shares short
-1,030,099 shares (-8.3%) vs Jul 31, 2026
18% of the stored float. Published Aug 25, 2026.
Settlement Jul 31, 2026
12,410,472 shares short
+307,639 shares (+2.5%) vs Jul 15, 2026
19.7% of the stored float. Published Aug 11, 2026.
Change = this settlement’s shares short − the previous recorded settlement’s shares short; percentage change divides by that earlier count. A zero earlier count has no percentage change. Split-spanning counts are left uncompared. Float percentages use the stored settlement observation, not today’s float.
Source: stored FINRA equity short-interest records, up to six settlements from the last 240 days. FINRA data and reporting dates · How to read short interest
Dividends and stock splits
See the recorded cash amounts and dates behind PGY’s income, and the splits that change its share count. Dates below are stored event records, not confirmation of a payment to your account.
Cash-dividend records
No qualified cash-dividend records are stored. This does not establish that the company pays no dividend.
Up to six Polygon cash-dividend events, including recorded ex-dates within the next 120 days. Amounts retain their recorded currency and decimal precision. Historical amounts are not restated to a common split basis, annualized, or converted to dollars.
For a long holding, compare the ex-date with when you held the shares and check the pay date against your broker’s cash history. Owning the stock today does not establish past entitlement. For a short holding, a dividend can create a payment obligation to the share lender.
Ex-dates and special dividend rules · Short-sale dividend obligations · Dividend data definitions
Split history
1 for 12 · reverse split
Effective Mar 8, 2024
Each 12 pre-split shares become 1 post-split share.
Source: EODHD
Up to six stored split dates through Nov 7, 2026. Equivalent vendor ratios are combined; conflicting ratios are left out. This history may be incomplete.
A split changes the share count and per-share price basis; it does not by itself add investment value. Put your holding’s earlier and later share counts on the same basis before comparing them. This applies to both long shares and shares owed on a short position.
How stock splits workPortfolio context
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Smart money context
Holder IQ: MEDIUM
27 smart-money holders: institutions with a high Holder IQ
Q2 2026, filed Nov 3, 2026
Smart-money 13F trend: accumulating (heavy)
Unlock crowding heatmapUnlock filer discoveryInsider context
Sentiment: bearish
Last trade: sell 33 days ago
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What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: bearish. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Red flags: 8
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
Stored recent-activity label: bearish. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Largest 13-F holders · Q2 2026
223 filers reported a long position in PGY for Q2 2026. 13-F holdings are filed up to 45 days after the quarter ends.
The top 10 hold
47.5%
of the 32.3M shares 13-F filers reported
Moves vs Q1 2026
4 added3 trimmed
2 new · 1 unchanged
Net shares held
+0.3%
across the 8 holders with a comparable Q1 2026 book
| Rank | Holder | Value | Shares | Shares vs Q1 2026 |
|---|---|---|---|---|
| 1 | FRONTIER CAPITAL MANAGEMENT CO LLC | $41.9M · 2.3M shares | 2.3M | +1,067.5% |
| 2 | MILLENNIUM MANAGEMENT LLC | $41.7M · 2.3M shares | 2.3M | +161.4% |
| 3 | AMERICAN CENTURY COMPANIES INC | $34.5M · 1.9M shares | 1.9M | +11.4% |
| 4 | Aquamarine Financial (Cayman) Ltd | $32.3M · 1.8M shares | 1.8M | New |
| 5 | Allspring Global Investments Holdings, LLC | $30.9M · 1.6M shares | 1.6M | +59.9% |
| 6 | VANGUARD PORTFOLIO MANAGEMENT LLC | $23M · 1.3M shares | 1.3M | -26.7% |
| 7 | BlackRock, Inc. | $20.1M · 1.1M shares | 1.1M | -75.3% |
| 8 | HS Investments IV Ltd | $20M · 1.1M shares | 1.1M | Unchanged |
| 9 | ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $19.1M · 1M shares | 1M | New |
| 10 | MORGAN STANLEY | $17.3M · 948.5K shares | 948.5K | -32.3% |
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