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Upturn AI SWOT - About
Pagaya Technologies Ltd. Warrants (PGYWW)
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Upturn Advisory Summary
04/01/2025: PGYWW (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 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 49943 | Beta 6.01 | 52 Weeks Range 0.13 - 0.23 | Updated Date 03/18/2025 |
52 Weeks Range 0.13 - 0.23 | Updated Date 03/18/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
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 - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 44855220 |
Shares Outstanding - | Shares Floating 44855220 | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pagaya Technologies Ltd. Warrants
Company Overview
History and Background
Pagaya Technologies Ltd. is a global technology company that uses artificial intelligence (AI) to reshape asset management and financial technology. Pagaya was founded in 2016 and went public via SPAC in 2022.
Core Business Areas
- AI-Powered Credit Analysis: Pagaya develops and deploys AI to analyze credit risk for lenders, aiming to expand access to credit for more people.
- Asset Management: The company offers asset management services leveraging its AI technology.
Leadership and Structure
The leadership team includes Gal Krubiner (CEO) and Avital Pardo (CTO). The company operates with a structure focused on technology innovation and partnerships.
Top Products and Market Share
Key Offerings
- Pagaya AI Platform: Pagaya's core offering is its AI platform that analyzes credit risk. This platform is used by banks, credit unions, and other lenders to improve loan performance and expand access to credit. Market share data specific to Pagaya's AI platform is difficult to obtain due to the proprietary nature of its partnerships. Competitors include Upstart, Affirm, and various fintech companies offering alternative credit scoring models.
Market Dynamics
Industry Overview
The fintech industry is rapidly growing, driven by increasing demand for personalized financial services and advancements in AI and machine learning. The credit risk assessment segment is particularly competitive, with numerous players offering alternative scoring models.
Positioning
Pagaya positions itself as a technology provider enabling lenders to make better decisions and expand access to credit. Its AI-driven approach is a key differentiator.
Total Addressable Market (TAM)
The TAM for AI-powered credit risk assessment is estimated to be in the billions of dollars. Pagaya is positioned to capture a significant portion of this market through its partnerships with established lenders.
Upturn SWOT Analysis
Strengths
- Proprietary AI technology
- Strong partnerships with established lenders
- Experienced leadership team
- Scalable business model
Weaknesses
- Dependence on partnerships for revenue
- Relatively short operating history as a public company
- Intense competition in the fintech industry
- Warrant liability affecting net income.
Opportunities
- Expansion into new markets
- Development of new AI-powered financial products
- Increasing demand for alternative credit scoring models
- Potential acquisitions to expand capabilities
Threats
- Economic downturn impacting lending activity
- Regulatory changes affecting the fintech industry
- Cybersecurity risks
- Competition from established financial institutions and other fintech companies
Competitors and Market Share
Key Competitors
- UPST
- SOFI
- LC
Competitive Landscape
Pagaya differentiates itself through its AI-driven approach to credit risk assessment. However, it faces competition from established fintech companies and traditional financial institutions with significant resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires access to Pagaya's historical financial data. Refer to Pagaya's SEC filings for historical growth rates.
Future Projections: Future growth projections are dependent on analyst estimates. It's not possible to generate projections without live data access.
Recent Initiatives: Requires latest information and recent news. Refer to latest company news for information on the most recent initiatives.
Summary
Pagaya Technologies aims to revolutionize asset management and fintech with AI, partnering with established lenders to enhance their credit risk assessment and broaden loan access. Although the company faces competition and warrants affect net income, it has the potential to scale through partnerships and is targeting expansion of AI powered financials. Pagaya must address its short operating history as a public company and ensure resilience in dynamic economic conditions. Future growth will rely on solid partnerships and continued development of new AI-powered financial products.
Similar Companies
LC
LendingClub Corp
LC
LendingClub Corp
OPEN
Opendoor Technologies Inc
OPEN
Opendoor Technologies Inc
SOFI
SoFi Technologies Inc.
SOFI
SoFi Technologies Inc.
UPST
Upstart Holdings Inc
UPST
Upstart Holdings Inc
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market conditions and company performance are subject to change.
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. Warrants
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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