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PGY
PGY
Pagaya Technologies Ltd
7월 27일 4:00 PM ET (한국 7/28 05:00)
$16.96
+1.07 ▲ +6.73%
🌙 7월 27일 7:51 PM ET (한국 7/28 08:51)
$16.98
+0.02 ▲ +0.12%

페이지아 테크놀러지스(PGY) is a Technology sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독
시가총액
$1.4B
스몰캡
P/E
16.9
적정 수준
배당수익률
없음
52주 위치
19%
저점 +63% · 고점 -62%
애널리스트
적극 매수
B-
Fundamental health
vs. Software - Infrastructure 소형주
수익성 ⓘ
Top 23%
성장 ⓘ
Top 49%
밸류에이션 ⓘ
Top 69%
재무 안정 ⓘ
Top 39%
Index ⓘ -P/E ⓘ 16.91EPS (ttm) ⓘ 1Insider Own ⓘ 22.36%Shs Outstand ⓘ 71.5MPerf Week ⓘ -0.76%
Market Cap ⓘ 1.41BForward P/E ⓘ 8.72EPS next Y ⓘ 40.59%Insider Trans ⓘ -0.4%Shs Float ⓘ 64.4MPerf Month ⓘ 9.56%
Enterprise Value ⓘ 2.05BPEG ⓘ 0.2EPS next Q ⓘ 0.32Inst Own ⓘ 43.79%Short Float ⓘ 18.8%Perf Quarter ⓘ 24.8%
Income ⓘ 0.09BP/S ⓘ 1.1EPS this Y ⓘ 48.76%Inst Trans ⓘ -9.24%Short Ratio ⓘ 3.18Perf Half Y ⓘ -22.24%
Sales ⓘ 1.28BP/B ⓘ 2.65EPS next 5Y ⓘ 44.4%ROA ⓘ 6.71%Short Interest ⓘ 12.10MPerf YTD ⓘ -18.85%
Book/sh ⓘ 6.39P/C ⓘ 3.7EPS past 3/5Y ⓘ - -10.73%ROE ⓘ 22.71%52W High ⓘ -62.3% ($44.99)Perf Year ⓘ -46.11%
Cash/sh ⓘ 4.58P/FCF ⓘ 6.01Sales past 3/5Y ⓘ 22.54% 68.91%ROIC ⓘ 8.07%52W Low ⓘ 63.08% ($10.40)Perf 3Y ⓘ -38.82%
Dividend Est. ⓘ -EV/EBITDA ⓘ 7.18EPS Y/Y TTM ⓘ 123.03%Gross Margin ⓘ 39.37%Volatility(W/M) ⓘ 4.69% 6.39%Perf 5Y ⓘ -85.55%
Dividend TTM ⓘ -EV/Sales ⓘ 1.61Sales Y/Y TTM ⓘ 21.65%Oper. Margin ⓘ 20.35%ATR (14) ⓘ 1.07Perf 10Y ⓘ -
Dividend Ex-Date ⓘ -Quick Ratio ⓘ 1.63EPS Q/Q ⓘ 159.21%Profit Margin ⓘ 7.36%RSI (14) ⓘ 51.41Recom ⓘ 1
Dividend Gr. 3/5Y ⓘ -Current Ratio ⓘ 1.63Sales Q/Q ⓘ 5.76%SMA20 ⓘ -3.21% ($17.52)Beta ⓘ 5.36Target Price ⓘ $26.55
Payout ⓘ -Debt/Eq ⓘ 1.81Earnings ⓘ 2026/7/30SMA50 ⓘ 7.65% ($15.75)Rel Volume ⓘ 0.51Prev Close ⓘ $15.89
Employees ⓘ 518LT Debt/Eq ⓘ 1.3EPS/Sales Surpr. ⓘ 40% -1.82%SMA200 ⓘ -6.81% ($18.2)Avg Volume(3M) ⓘ 3.80MPrice ⓘ $16.96
IPO ⓘ 2021/4/21Option/Short ⓘ Yes/YesTrades ⓘ 19358Volume ⓘ 1,941,846Change ⓘ 6.73%
Quarterly earnings trend SEC filings · USD
24.6
24.9
24.12*
25.3
25.6
25.9
25.12*
26.3
Revenue Net income 최근 분기: 매출 $299M (YoY +6%) · 순이익 $25M (YoY +213%)
* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Pagaya Technologies Ltd (PGY) Investment Analysis

What kind of company is Pagaya Technologies Ltd?

페이지아 테크놀러지스(PGY) 초고성장주
Technology · Software - Infrastructure
Technology Stocks

🤖 Pagaya Technologies (ticker: PGY) is a global technology company that provides AI infrastructure for the financial ecosystem. It operates a second-look AI lending platform that complements the underwriting decisions of banks and lending institutions, and has built a significant data-driven competitive advantage across consumer credit markets including personal loans, auto loans, and buy-now-pay-later. Its standout feature is using machine learning models to underwrite borrowers with precision and connecting them into securitization structures.

Learn more about Pagaya Technologies Ltd →
Market Cap
$1.4B
Approx. KRW 1.9 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank2387
Employees518people
IPO2021/04/21
Current Price$16.96 ≈ 23,235원
NASD · USA

Key Events

⏰ Upcoming events
🔔 Earnings release D-2
7월 30일 (목) · 장 시작 전
예상 매출 - · EPS $0.72
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2026년 5월 7일 (목) · 장 시작 전 EPS +40.0% 매출 -1.8%
🔔 Earnings release 2026년 2월 9일 (월) · 장 시작 전 EPS +5.2% 매출 -4.2%

Is it profitable?

Solid company — profitability & finances both healthy
Strong earnings and excellent financial health
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
20.4%
✓ 우수
My positionTop 5%
Low range Average High range
Software - Infrastructure 소형주 Median 2.4% · Top tier
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
7.4%
✓ 양호
My positionMid-range
Low range Average High range
Software - Infrastructure 소형주 Median 0.2% · Top 28%
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
Gross Margin
Profit after subtracting raw-material costs only (signals product competitiveness)
39.4%
✓ 평균
My positionMid-range
Low range Average High range
Software - Infrastructure 소형주 Median 41.5% · Bottom 47%
💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)
ROE
Annual return earned on shareholders' equity (15%+ is strong)
22.7%
✓ 우수
My positionTop 25%
Low range Average High range
Technology 소형주 Median 1.2% · Top 16%
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
6.7%
✓ 우수
My positionTop 25%
Low range Average High range
Technology 소형주 Median 0.2% · Top 20%
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
8.1%
✓ 우수
My positionTop 25%
Low range Average High range
Technology 소형주 Median 0.4% · Top 24%
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
1.81
✓ High debt
My positionBottom 25%
Low range Average High range
Software - Infrastructure Median 0.19
💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)
Current Ratio
Liquid assets available to cover liabilities due within a year
1.63
✓ 양호
My positionMid-range
Low range Average High range
Software - Infrastructure Median 1.59
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
Quick Ratio
Liquid assets excluding inventory, available for immediate use
1.63
✓ 양호
My positionMid-range
Low range Average High range
Software - Infrastructure Median 1.53
💡 1.0 이상이면 안전, 0.5 미만이면 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook
Price targets, growth, and valuation are favorable
애널리스트 목표가
$26.55
현재가 대비 +56.5%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
예상 PER (Forward)
8.72배
💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인
PEG (성장 반영 밸류)
0.20
저평가
💡 PEG < 1 — 성장 대비 저렴
내년 EPS 예상 성장률
+40.6%
💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상
5년 EPS 예상 연평균
+44.4%
💡 장기 성장 전망. 15% 이상이면 고성장 기업
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

High Earnings Reliability
Beat estimates in 2 of the last 2 quarters
2
예상 상회
0
예상 부합
0
예상 하회
100%
상회 비율
+16.9%
평균 서프라이즈
2026.05.07
상회
실적 $0.73 · 예상 $0.56 +29.4%
2026.02.09
상회
실적 $0.80 · 예상 $0.77 +4.4%
💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth
Mid-range within the industry
Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity
🔮 How much will it grow? (analyst forecasts)
This Year's EPS Outlook
Projected EPS growth rate for this year
+48.8%
평균
My positionMid-range
Low range Average High range
초고성장주 소형주 Median 51.6% · Bottom 48%
Next Year's EPS Outlook
Projected EPS growth rate for next year (analyst consensus)
+40.6%
양호
My positionMid-range
Low range Average High range
초고성장주 소형주 Median 33.7% · Top 45%
5-Year EPS CAGR Outlook
Projected average annual EPS growth over the next 5 years
+44.4%
양호
My positionMid-range
Low range Average High range
초고성장주 소형주 Median 40.0% · Top 45%
📊 How much has it grown? (actual results)
Past 5-Year EPS
Actual average annual EPS growth over the past 5 years
-10.7%
평균
My positionMid-range
Low range Average High range
초고성장주 소형주 Median 7.0% · Bottom 29%
Past 5-Year Revenue
How much revenue grew over the past 5 years
+68.9%
우수
My positionTop 25%
Low range Average High range
초고성장주 소형주 Median 32.4% · Top 20%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
+5.8%
평균
My positionMid-range
Low range Average High range
초고성장주 소형주 Median 14.5% · Bottom 35%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.
New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Long-term weakness — -154%p below the market
PGY -85.5% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
-153.9%p
Significantly behind the market
vs Technology (XLK)
-213.4%p
Significantly behind the sector average
1-year basis
vs S&P 500
-62.1%p
Significantly behind the market
vs Technology (XLK)
-79.2%p
Significantly behind the sector average
Rank among peers
5-year return Lower-Mid (lower 27%) Based on 35 peers
1-year return Bottom 20% Based on 45 peers
Current position within 52-week range
Low (-63.1%p) High (-62.3%p)
Current price is 63.1% above the 52-week low and 62.3% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-42.9%
Annualized volatility
81.2%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔴
Current diagnosis · 2026-07-27
Downtrend zone

Current price $16.96 below the midline ($17.52). Normal downward flow. Inside the Ichimoku cloud (neutral).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟡
Current diagnosis · 2026-07-27
Neutral zone — weak trend

MACD 0.202 · Signal 0.466 · Hist -0.265. Weak directional bias.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢
Current diagnosis · 2026-07-27
Bullish zone

RSI 51.4 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 35.9.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry
Cheap on Vs. Earnings·Vs. Sales·Vs. Cash Flow, In line with peers on Vs. Assets
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Cheap
🏢 Vs. Assets Mid-range
🧾 Vs. Sales Cheap
💧 Vs. Cash Flow Cheap
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
16.91x
✓ Cheap
My positionMid-range
Low range Average High range
Software - Infrastructure 소형주 median 22.94x · Around the industry average
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
💵 Vs. Earnings
Forward PER Forward Price-to-Earnings Ratio
PER using next year's estimated earnings — reflects growth
8.72x
✓ Cheap
My positionMid-range
Low range Average High range
Software - Infrastructure 소형주 median 11.99x · Around the industry average
💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
2.65x
✓ Fair
My positionMid-range
Low range Average High range
Software - Infrastructure 소형주 median 2.59x · Around the industry average
💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
1.10x
✓ Cheap
My positionMid-range
Low range Average High range
Software - Infrastructure 소형주 median 2.11x · Around the industry average
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
EV/EBITDA Enterprise Value Multiple
Total enterprise value ÷ operating cash earnings — a benchmark for M&A
7.18x
✓ Very cheap
My positionTop 25%
Low range Average High range
Software - Infrastructure 소형주 median 9.65x · Top 14% — relatively cheap within the industry
💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
6.01x
✓ Very cheap
My positionTop 25%
Low range Average High range
Software - Infrastructure 소형주 median 11.28x · Top 21% — relatively cheap within the industry
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
Analyst target price (reference)
$26.55 vs. current price +56.5%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Software - Infrastructure 소형주

Who owns it?

Ownership backdrop is unfavorable
Insider modest net selling -0.4% · Institutional net selling -9.2% · Short interest elevated 18.8% · Short interest fell -1.8%p over the last 90 days
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
-0.4%
Insiders net selling
🏦 Institutions (funds & investors)
-9.2%
Institutions net selling
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 43.8%
Moderate institutional participation
Technology 소형주 Median 55.5%
🧑‍💼 Insiders 22.4%
Founder/management large holders (strong skin-in-the-game)
Technology 소형주 Median 17.2%
👤 Retail investors (estimated) 33.8%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
18.8%
Somewhat high
Technology 소형주 Median 8.7%
Past 90 days 📉 -1.8%p decrease
Short interest days to cover
3.2 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 71.5M주
Float (tradable shares) 64.4M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding PGY

ETFs with the highest weightings · 10 total shown
MNVT
MNVT
Moonvest ETF
4.49%
$67M
WISE
WISE
Themes Generative Artificial Intelligence ETF
1.67%
$26M
IZRL
IZRL
ARK Israel Innovative Technology ETF
1.47%
$139M
ASCE
ASCE
Allspring SMID Core ETF
1.43%
$148M
XITK
XITK
State Street SPDR FactSet Innovative Technology ETF
0.64%
$67M
* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
PGY PGY This Stock
$1.4B16.9 ▲2.6 ▲22.71% ▲- +6.7%
AAPL
$4.95T40.8 ▼46.4 ▼141.47% ▲0.32% ▼+1.2%
NVDA
$4.76T30.1 ▲24.4 ▼114.29% ▲0.33% ▼-5.0%
MSFT
$2.89T23.2 ▲7.0 ▼34.01% ▲0.95% ▼+1.9%
TSM
$2.07T28.8 ▲11.2 ▼40.06% ▲1.03% ▼-1.1%
AVGO
$1.82T63.8 ▼20.8 ▼37.28% ▲0.68% ▼+0.4%
Sector Avg-31.13.01.77%1.11%-
📊
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Related News & Content

📖 Company overview
파가야 테크놀로지스(PGY) 뭐하는 회사일까? - 주가 전망·실적·시총·관련주·본사 총정리
파가야 테크놀로지스(티커 PGY)는 AI 기반 대출 인프라를 제공하는 핀테크 기업으로, 소비자 신용 심사 플랫폼과 증권화 모델을 중심으로 한 매출 성장과 흑자 전환 흐름이 특징입니다. PGY 주가와 전망, 관련주를 함께 살펴봅니다.
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2026년 미국주식 세금 총정리. 양도소득세 22% 계산법, 배당세 15% 원천징수, 손익통산, 절세 전략까지. 실제 금액 시뮬레이션과 세금 계산기로 내 세금을 직접 확인해보세요.

FAQ

What kind of company is 페이지아 테크놀러지스(PGY)?

페이지아 테크놀러지스(PGY) belongs to the Technology sector and operates in the Software - Infrastructure industry.

What is the market cap of PGY?

The market cap of PGY is approximately $1.4B, ranking 2,387 within its sector.

What is the P/E ratio of PGY?

PGY has a P/E ratio of approximately 16.9x, which can be used to assess its valuation relative to the Technology sector average.

What is the 52-week high and low for PGY?

PGY has recorded a 52-week high of $44.99 and a low of $10.40.

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