What Is Pagaya Technologies Ltd. (PGY) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Pagaya Technologies Ltd.'s intrinsic value is estimated at $14.24. Trading at its current price of $18.27, the valuation engine raises significant caution: 9 of 11 models flag downside risk, projecting an average implied return of -22.1%. The most optimistic model, First Chicago, places fair value at $29.88 (+63.5%), while EPV — the most conservative — estimates $7.99 (-56.3%). This +119.8% gap reflects genuine analytical uncertainty about Pagaya Technologies Ltd.'s intrinsic worth.
What Do the Models Say About PGY?
11 of 13 models are currently active for PGY. Of these, 1 model suggests upside while 10 models suggest overvaluation. The Bayesian DCF estimates PGY's intrinsic value at $8.83, implying -51.7% downside from the current price. See which stocks rank higher →
How Does PGY Rank in Finance Services?
Among 123 Finance Services stocks, PGY ranks #21 by Quality of Company score. CirclFi's QOC score of 7.8/10 evaluates 32 fundamental signals. A score of 7.8 indicates above-average quality.
See all Most Undervalued Finance Services Stocks →
Pagaya Technologies Ltd. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is PGY a Value Trap?
CirclFi's Value Trap algorithm assigns PGY a score of 24/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for Pagaya Technologies Ltd.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Pagaya Technologies Ltd. scores 7.8 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +119.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PGY valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PGY's 11 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
Buy with Gumroad