Is Pagaya Technologies Ltd. (PGY) A Good Stock To Buy Now?

Source Domain: finance.yahoo.com

Is PGY a good stock to buy? We came across a bullish thesis on Pagaya Technologies Ltd. on MVC Investing’s Substack by M. V. Cunha. In this article, we will summarize the bulls’ thesis on PGY. Pagaya Technologies Ltd.’s share was trading at $13.60 as of April 24th. PGY’s trailing and forward P/E were 14.61 and 4.69 respectively according to Yahoo Finance.

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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 and internationally.

PGY reported mixed Q4 2025 results, with revenue of $335M (+20% YoY) and adjusted EBITDA of $98M (+53% YoY), both slightly below expectations, while GAAP net income reached a record $34M, supported by one-off benefits. Network volume grew just 3% YoY to $2.7B, reflecting a deliberate late-quarter decision to reduce exposure to higher-risk lending tiers amid macro uncertainty and shifting partner risk appetite.

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Management emphasized that this was a proactive trade-off, prioritizing long-term stability over short-term growth, with credit performance remaining in line with expectations. Excluding non-core segments, underlying volume growth remained strong, while margins and operating efficiency improved meaningfully, with clear operating leverage as expenses declined despite revenue growth.

The company continues to guide conservatively for 2026, expecting $1.4–1.575B in revenue and $100–150M in GAAP net income, reflecting caution around macro conditions despite…

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