PGY Stock Analysis: Buy, Sell, or Hold?
PGY - Pagaya Technologies Ltd. Class A Ordinary Shares
$17.86
-1.88 (-9.50%)
▼
5d:
-14.03%
30d:
-19.86%
90d:
-33.6%
HOLD
MODERATE Confidence
Last Updated: February 3, 2026
Earnings: Feb 09, 2026
5d
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4 traders called PGY this week
88% bullish • 1 bearish
88% bullish • 1 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PGY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: PGY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$26.22
Based on 3.4% avg growth
INTRINSIC VALUE TODAY
$16.28
Trading above fair value
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 7.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PGY is currently trading at $17.86, which is considered oversold relative to its 30-day fair value range of $20.29 to $23.99. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.2) compared to its historical average (7.0). Remarkably, the market is currently pricing in an annual earnings decline of 3.8% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, PGY is in a strong uptrend. The price is currently testing key support at $18.82. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 9.5% recently.
Market Sentiment: PGY has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $39.00 (+97.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PGY is in a strong uptrend. The price is currently testing key support at $18.82. A bounce from this level would confirm strength, while a break below could signal further downside. Short-term momentum is weak, with the stock down 9.5% recently.
Market Sentiment: PGY has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $39.00 (+97.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$20.29 -
$23.99
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
52.4%
Protect Your Profits
Holding PGY? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-9.5%)
- BULLISH: Trading 97.7% below Wall St target ($39.00)
- CAUTION: 5-day price weakness (-14.0%) - monitor closely
Fair Price Analysis
30-Day Fair Range
$20.29 -
$23.99
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$18.82
Resistance Level
$22.68
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
6.21
Wall Street Target
$39.00
(+97.7%)
Revenue Growth (YoY)
36.1%
Profit Margin
-15.3%
Valuation Discount vs History
-3.8% cheaper
PE vs Historical
6.2 vs 7.0
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.8%
(market-implied from PE analysis)
1-Year Target
$18.98
(-4%)
2-Year Target
$18.26
(-8%)
3-Year Target
$17.57
(-11%)
3-Yr Target (if PE normalizes)
(PE: 6→7)
$19.80
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 2.7%)
$76.68
(+289%)
Base:
(SPY PE: 6.2, Growth: 2.7%)
$21.36
(+8%)
Bear:
(PE: 5.3, Growth: 2.7%)
$18.16
(-8%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.2 to 7.0
Stabilization Target:
$22.23
(+12.7%)
PE Expansion Potential:
+12.7%
Last updated: February 03, 2026 12:56 PM ET
Data refreshes hourly during market hours. Next update: 1:56 PM
Data refreshes hourly during market hours. Next update: 1:56 PM
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Technical Signals Check
Is PGY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
8
Sells
Net
INSIDERS SELLING
Recent Transactions
Evangelos Perros
SELL
12754 shares
2025-10-01
Tami Rosen
SELL
15026 shares
2025-10-01
Sanjiv Das
SELL
4783 shares
2025-10-01
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Advanced PGY Option Strategies
Professional options setups generated by AI based on today's PGY price and gamma walls.
