Is PGY stock a Buy, Sell, or Hold?

Based on our analysis, PGY is currently a WAIT with low confidence. 📊 MIXED SIGNALS: PGY shows conflicting indicators. Wait for confirmation before entering.

What is the fair value of PGY stock?

Our analysis estimates the fair value range for PGY to be between $17.27 and $21.67. The current price is $21.98.

What is the analyst price target for PGY?

The average Wall Street analyst price target for PGY is $28.80. This implies a potential upside of 42.3% from current levels.

PGY Stock Analysis: Buy, Sell, or Hold?

PGY - Pagaya Technologies Ltd. Class A Ordinary Shares

FINANCE SERVICES

$21.98

0.30 (1.38%) ▲

5d: +5.02%

30d: +38.33%

90d: +72.26%

WAIT

LOW Confidence

Protect Your PGY Gains

Analysis Updated: Aug 24, 2026 12:00 AM ET

Earnings: Jul 30, 2026 0d

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Aug 14, 2026 at $21.48 · last confirmed Aug 21, 2026

Strength: 5.2/10

Get Alerted When PGY Hits Your Target Price

Join 10,000+ traders who never miss a move

You're in! Check your email to confirm and set your target price.

100% Free No spam, ever Unsubscribe anytime

Interactive Price Chart (1 Month)

Loading historical data...

💡

Bottom Line:
📊 MIXED SIGNALS: PGY shows conflicting indicators. Wait for confirmation before entering.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 9.5%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$27.45

Based on 6.8% avg growth

INTRINSIC VALUE TODAY

$17.05

Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 4.9x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: PGY is currently trading at $21.98, which is considered extended relative to its 30-day fair value range of $17.27 to $21.67. The stock's valuation (Forward PE: 5.0) is in line with its historical norms (4.9). At these levels, the market is pricing in 0.8% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, PGY is in a strong uptrend. The price is approaching resistance at $22.48. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: The stock scores a mixed 45/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $28.80 (+42.3%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position EXTENDED

Historical Trading Range $17.27 - $21.67

Company Quality Score 50/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 51.9%

Protect Your Profits

Holding PGY? Use our AI-powered strategies to protect your downside while keeping your long-term position.

View Profit Protection Plan

All Signals

BEARISH: Price extended above range
NEUTRAL: Mixed technical signals (45/100)
BULLISH: High volume confirmation
BULLISH: Trading 42.3% below Wall St target ($28.80)
NEUTRAL: Market pricing in 0.8% annual earnings growth - fairly valued
WARNING: Composite score 50/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $17.27 - $21.67

Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $19.55

Resistance Level $22.48

Current Trend Strong Uptrend

Technical data as of Aug 24, 2026

Fundamental Context

Forward P/E (Next Year Est.) 5.00

Wall Street Target $28.80 (+42.3%)

Revenue Growth (YoY) 18.6%

Earnings Growth (YoY) 143.3%

Profit Margin 9.1%

Valuation Premium vs History +0.8% premium

PE vs Historical 5.0 vs 4.9 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +0.8% (market-implied from PE analysis)

1-Year Target $20.40 (+1%)

2-Year Target $20.57 (+2%)

3-Year Target $20.73 (+2%)

3-Yr Target (if PE normalizes) (PE: 5→5) PE COMPRESSION $20.30 (+0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.1, Growth: 9.5%) $106.63 (+427%)

Base: (SPY PE: 5.0, Growth: 9.5%) $26.59 (+31%)

Bear: (PE: 4.3, Growth: 9.5%) $22.60 (+12%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (5x PE) as earnings recover.

Trailing PE: 14.52 | Current EPS (TTM): $1.41

Bull Case $45.03 (+108%)

Analyst growth 100.0%, PE expands to 16.0

Base Case $40.94 (+89%)

Market implied 100.0%, PE stable at 14.5

Bear Case $13.92 (-36%)

Severe decline -20.0%, PE contracts to 12.3

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

Share & Embed Analysis

Found this analysis useful? Share it with your community or embed the live chart on your blog.

Tweet Reddit

bloggers & journalists: you are free to use our charts with attribution.

Last updated: August 24, 2026 3:26 PM ET
Data refreshes hourly during market hours. Next update: 4:26 PM

🔥 Top Stocks Breaking Out Now

Ticker	Score	Recommendation	Change %

See Full Scanner Results »

Technical Signals Check

Is PGY showing a specific setup today?

RSI Divergence Check TTM Squeeze Check MACD Crossover Check Gamma Walls Check Unusual Activity Check

Insider Activity (6 Months)

Buys

Sells

Net

INSIDERS SELLING

Recent Transactions

Tami Rosen SELL 9720 shares 2026-04-17

Evangelos Perros SELL 13004 shares 2026-04-01

Evangelos Perros SELL 8425 shares 2026-03-12

View Insider Activity Scanner

Unlock Insider Activity

See real-time buying/selling by company executives for PGY.

Create Free Account

Already have an account? Log In

Top Rated Software - Infrastructure Stocks

Top-rated stocks in Software - Infrastructure by analyst ratings.

Stock	Analyst Consensus	Analyst Target	Tradestie Score
CFLT Confluent Inc	STRONG BUY 36 analysts	$31	55 HOLD
XYZ Block, Inc	STRONG BUY 49 analysts	$98	58 HOLD
CRWD Crowdstrike Holdings Inc	STRONG BUY 51 analysts	$210	46 HOLD
S SentinelOne Inc	STRONG BUY 36 analysts	$22	38 SELL
TWLO Twilio Inc	BUY 31 analysts	$250	38 SELL

CRWD Crowdstrike Holdi…

Advanced PGY Option Strategies

Professional options setups generated by AI based on today's PGY price and gamma walls.

Iron Condor Bull Call Bear Put Collar

More Analysis for PGY

PGY Technical Chart PGY Price Prediction PGY Earnings Date PGY Investment Advisor PGY Fair Price Analyzer PGY Options Advisor PGY Options Chain PGY Options Analysis PGY Competitors

Compare PGY with Peers

PGY vs ZETA
Which one to buy?

PGY vs DLO
Which one to buy?

PGY vs HKD
Which one to buy?

PGY vs INOD
Which one to buy?

PGY vs CRDO
Which one to buy?

ABLV vs PGY
Winner: PGY

BB vs PGY
Winner: PGY

Create New Comparison View All Competitors

Tradestie