Down 5.4% today with consumer finance stocks: 8 of 10 are down, 2.5% on average; the S&P 500 is down 0.4%.
Down 17% since Oct 29
Down 17% from Oct 29 to Nov 10.
The other side, the timeline, and its peers, for Pro members.
PGY's Quality Score fell 1 point on Tue, Nov 10, to 4. It did not trade higher than the day before.
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| Since its Aug 2022 high | Down 95% |
| Latest filing | 8-K, Oct 29 |
TodayWith its group.
Tue Nov 10: Citi 15th Annual FinTech Conference 2026Investor conference · date confirmed.
4 more dates ahead: conferences, for Pro members.
After its last 4 reports it closed -2.2% on average, higher 3 of 4 times.
Below Averagefor quality, not price, 0 of 14 chart checks firingWhat the Quality Score means
PGY is #6 of 10 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 6 |
Expected to report Thu Jan 28, before the open (in 79 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
“Record total revenue and other income of $390 million in 3Q’26 (compared to the outlook of $370 - $390 million), increased 12% year-over-year, driven by growth in fee revenue and interest income.”
PGY's results filing gives no sales by line in a table we read. Its annual report gives the year's, in About.
| Measure | Figure |
|---|---|
| Total revenue and Other income | $1.45B to $1.50B |
“Record GAAP net income attributable to Pagaya shareholders of $50 million in 3Q’26 (compared to the outlook of $42 million - $52 million), improved by $27 million compared to the prior year period, reflecting revenue growth and lower expenses.”
From its results filing (SEC filing · Oct 29)
Sales grew 67% a year over 5 years, fiscal 2020 to 2025.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 29, 2026 | -16.9% | +1.7% | -6.6% |
| Jul 30, 2026 | +11.2% | +9.0% | +34.6% |
| May 7, 2026 | +14.0% | +4.5% | -11.3% |
| Feb 9, 2026 | -26.7% | -23.9% | -33.3% |
Sales grew every year from 2020 to 2025, to $1.3B. It turned a profit in 2025 after a loss in 2024.
RSI 42.8, MACD below signal, below its 50-day, above its 200-day. Not scored.
One insider bought $501K across 2 filings, and 5 insiders sold $2.8M across 19 filings, in the last 6 months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: PGY is under 0.1% of FTEC and under 0.1% of VGT, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jul 31 to Aug 31, 2026.
Pagaya Technologies Ltd is a product-focused technology company. It uses machine learning, a vast data network, and an AI-driven approach to offer comprehensive consumer credit and residential real estate products for its partners, their customers, and investors. Its suite of products includes Decline Monetization, Dual Look, First Look, Affiliate Optimizer Engine, Direct Marketing Engine, and FastPass, providing lenders with an AI-powered credit and acquisition ecosystem that helps them approve more borrowers, capture more demand, and grow without adding risk. Geographically, the company generates maximum revenue from its business in the United States.
“We compete with a variety of technology companies that seek to help financial services providers with the digital transformation of their businesses, particularly with respect to all-digital lending.”
PGY scores 4 today, which Breakaway calls Below Average. It is #6 of 10 in Consumer Finance & Fintech by Quality Score, with 0 of 14 chart checks firing. Down 17% from Oct 29 to Nov 10. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
PGY scores 4 today, which Breakaway calls Below Average (0 to 5). That is #6 of 10 in Consumer Finance & Fintech by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind PGY's 4.
One insider bought $501K across 2 filings, and 5 insiders sold $2.8M across 19 filings, in the last 6 months. The newest is Tami Rosen, Director, who sold $35K on Oct 2. Every filing, with the scored weight, for Pro members.
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Insider and Congress trades, the chart, and the financials, in one score.
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