Stock analysis · Bull Rankings model

PGY analysis

Pagaya Technologies LtdTechnology. Scored on the same transparent 7-signal model behind the daily rankings.

PGY
Pagaya Technologies Ltd · Technology
FCF$234mC
Rev+23.4%A-
D/E1.62C
P/E10.8xA-
PEG0.46A
88Score
$12.76
1Y Target$13.78Near-term target
5Y Target$17.08Compound horizon
10Y Target$21.80Long-dated conviction
FCF$234mTTM · 03/26
C
FCF $234m — modest; watch for margin expansion · TTM computed from 4 most-recent quarters (TTM · 03/26).
Rev+23.4%TTM YoY
A-
Revenue +23.4% — strong growth, well above S&P median (~7%) · TTM YoY from trailing-4-quarter revenue sum vs prior 4 quarters.
D/E1.62
C
D/E 1.62 — elevated leverage, limits flexibility
P/E10.8x
A-
P/E 10.8 — cheap relative to market and most sectors
PEG0.46proxy
A
PEG 0.46 — exceptional; paying well under fair value for growth · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Why now
Technology · market cap $1.1b. Down 72% from 52-week high of $44.99 — deep drawdown territory. Revenue growing +23%, comfortably above the S&P median. PEG 0.46 — paying under fair value for the growth rate.
Moat
ROE 20% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately.
Risk
Down 72% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Beta 5.46 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return.
Horizon
1-3 yr $13.78 (structural (no analyst coverage)) — multiple re-rating thesis requires a catalyst. 5 yr $17.08 at ~6% CAGR — dividend + buyback compounding. 10 yr $21.80 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Shares to buy
156
Position size
$1,991
4.0% of portfolio
Stop price
$9.57
25% below $12.76
$ at risk
$500.00
1% of portfolio

Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.

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