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Upturn AI SWOT - About
Pagaya Technologies Ltd. (PGY)
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Upturn Advisory Summary
03/27/2025: PGY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -86.34% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 887.01M USD | Price to earnings Ratio - | 1Y Target Price 21.6 |
Price to earnings Ratio - | 1Y Target Price 21.6 | ||
Volume (30-day avg) 2970825 | Beta 6.01 | 52 Weeks Range 8.20 - 19.20 | Updated Date 03/27/2025 |
52 Weeks Range 8.20 - 19.20 | Updated Date 03/27/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -5.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -38.89% | Operating Margin (TTM) 12.83% |
Management Effectiveness
Return on Assets (TTM) 3.55% | Return on Equity (TTM) -70.98% |
Valuation
Trailing PE - | Forward PE 6.37 | Enterprise Value 1372108420 | Price to Sales(TTM) 0.86 |
Enterprise Value 1372108420 | Price to Sales(TTM) 0.86 | ||
Enterprise Value to Revenue 1.37 | Enterprise Value to EBITDA 20.21 | Shares Outstanding 62646000 | Shares Floating 44855220 |
Shares Outstanding 62646000 | Shares Floating 44855220 | ||
Percent Insiders 15.33 | Percent Institutions 54.24 |
Analyst Ratings
Rating 4.2 | Target Price 20.7 | Buy 2 | Strong Buy 5 |
Buy 2 | Strong Buy 5 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pagaya Technologies Ltd.
Company Overview
History and Background
Pagaya Technologies Ltd. was founded in 2016. It uses AI to reshape asset management and credit access. The company focuses on enabling financial institutions to expand access to more customers through its technology.
Core Business Areas
- AI-Powered Credit Analysis: Uses machine learning to assess credit risk and identify underserved populations, leading to improved loan performance.
- Network Partners: Connects lenders and borrowers through a technology platform, facilitating loan origination and investment opportunities.
Leadership and Structure
The leadership team includes Gal Krubiner (CEO), Avital Pardo (CTO), and Michael Kurlander (CFO). The company operates with a structured management team overseeing its various technology and business development divisions.
Top Products and Market Share
Key Offerings
- Pagaya AI Credit Analytics: This is their core technology, which uses AI to assess credit risk for loan applicants, particularly those with limited credit history. Competitors include Upstart (UPST), Zest AI, and Experian (EXPGY). Market share data is difficult to pinpoint due to the B2B nature of the product.
- Pagaya Investment Network (PIN): Connects institutional investors with consumer credit assets originated through Pagaya's lending partners. The PIN offering lacks transparent market share data. Fintech competitors like LendingClub (LC) also operate networks connecting investors to loans.
Market Dynamics
Industry Overview
The fintech industry is experiencing growth, with increasing adoption of AI in financial services. However, regulatory scrutiny and economic volatility pose challenges.
Positioning
Pagaya is positioned as a technology provider enabling better credit decisions for financial institutions. Its competitive advantage lies in its proprietary AI algorithms.
Total Addressable Market (TAM)
The TAM for AI in lending is estimated in the hundreds of billions of dollars. Pagaya is positioned to capture a portion of this TAM by partnering with financial institutions.
Upturn SWOT Analysis
Strengths
- Proprietary AI Technology
- Partnerships with financial institutions
- Scalable business model
- Data-driven decision making
Weaknesses
- Reliance on partnerships
- Limited brand recognition
- Relatively short operating history
- Concentration risk with a few large partners
Opportunities
- Expansion into new lending verticals
- Geographic expansion
- Increased adoption of AI in financial services
- Strategic acquisitions
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Data privacy concerns
Competitors and Market Share
Key Competitors
- UPST
- SOFI
- LC
- OPEN
Competitive Landscape
Pagaya competes with other fintech companies and traditional financial institutions. Its AI-powered approach differentiates it from some competitors, but it faces intense competition for partnerships and market share.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires access to detailed historical financial data for a proper assessment.
Future Projections: Future projections depend on analyst estimates and company guidance, which can change.
Recent Initiatives: Pagaya is focused on expanding its partnerships and product offerings to drive growth.
Summary
Pagaya is a fintech company leveraging AI to improve credit decisioning. Its strengths lie in its proprietary technology and growing partnerships. However, it faces challenges from competition, regulation, and economic uncertainty. The company's future success depends on its ability to innovate, expand its network, and navigate the complex financial landscape.
Similar Companies
- UPST
- LC
- AI
- AFRM
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates, news articles
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimated and subject to change. Financial data requires access to detailed company reports.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pagaya Technologies Ltd.
Exchange NASDAQ | Headquaters New York, NY, United States | ||
IPO Launch date 2022-06-23 | CEO, Co-Founder & Director Mr. Gal Krubiner | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 553 | Website https://pagaya.com |
Full time employees 553 | Website https://pagaya.com | ||
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial institutions and investors in the United States, Israel, the Cayman Islands, and internationally. It develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. The company's partners include high-growth financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. Pagaya Technologies Ltd. was incorporated in 2016 and is headquartered in New York, New York.
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