
PGY Stock Forecast & Price Target
PGY Analyst Ratings
Bulls say
Pagaya Technologies Ltd has enhanced its funding model by diversifying from asset-backed securities (ABS) to include forward-flow and pass-through structures, which is expected to reduce risk retention requirements significantly by 2025. This strategic shift, along with healthy growth projections for GAAP EPS drivers in FY25, marks a critical transition toward improved profitability and growth metrics. Additionally, the company’s pre-screen product enhances customer retention for bank partners during challenging market conditions, further solidifying Pagaya's position and resilience in the evolving lending landscape.
Bears say
Pagaya Technologies Ltd has experienced a significant decline in its share price, dropping by 38% in the month following its 4Q24 report, indicating investor apprehension regarding macroeconomic conditions despite strong guidance for full-year 2025. The company's 2023 vintage loans hold little cushion against credit performance fluctuations, suggesting that any minor deviations could result in substantial impairments. Furthermore, the company’s current valuation remains unfavorably divergent from its peers, reflecting potential challenges in growth prospects and the operating environment as 2023 has proven to be a difficult year for the firm.
This aggregate rating is based on analysts' research of Pagaya Technologies Ltd and is not a guaranteed prediction by Public.com or investment advice.
PGY Analyst Forecast & Price Prediction
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