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Pagaya Technologies Ltd. Warrants (PGYWW)



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Upturn Advisory Summary
08/14/2025: PGYWW (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 5.96 | 52 Weeks Range 0.14 - 0.23 | Updated Date 05/13/2025 |
52 Weeks Range 0.14 - 0.23 | Updated Date 05/13/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -34.57% | Operating Margin (TTM) 16.44% |
Management Effectiveness
Return on Assets (TTM) 5.02% | Return on Equity (TTM) -62.58% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 45708459 |
Shares Outstanding - | Shares Floating 45708459 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Pagaya Technologies Ltd. Warrants
Company Overview
History and Background
Pagaya Technologies Ltd. Warrants are derivative securities tied to Pagaya Technologies, a fintech company founded in 2016. The warrants give the holder the right to purchase shares of Pagaya's stock at a specified price within a certain timeframe. Pagaya initially focused on leveraging AI for credit risk assessment and expanded its offerings over time, going public in 2022 via SPAC.
Core Business Areas
- AI-Powered Credit Analysis: Develops and implements AI algorithms for assessing credit risk, enabling lenders to make more informed decisions.
- Alternative Investment Management: Provides investment management solutions leveraging its AI technology.
- Network Partnerships: Forges partnerships with financial institutions to integrate its AI technology into their lending processes.
Leadership and Structure
The leadership team includes Gal Krubiner (CEO) and other executives focused on technology, finance, and operations. Pagaya operates with a functional organizational structure, emphasizing collaboration between different departments.
Top Products and Market Share
Key Offerings
- Pagaya AI Credit Technology: Provides AI-driven credit risk assessment for lenders, increasing loan approvals and driving volume. While specific market share data is not readily available, Pagaya's competitors include Upstart (UPST) and Zest AI.
- Investment Products: Offers investment products and strategies using AI. Market data is limited, but competitors include firms like Two Sigma and Renaissance Technologies.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth, driven by increased demand for AI-powered solutions in lending and investment management. There's increased competition and demand to use AI models in the consumer lending sector.
Positioning
Pagaya is positioned as a leading AI-driven fintech company providing credit risk assessment and investment solutions. Its competitive advantage lies in its proprietary AI technology and its network of partnerships with financial institutions.
Total Addressable Market (TAM)
The TAM for AI in lending is estimated to be in the tens of billions of dollars. Pagaya is positioned to capture a significant portion of this market through its technology and partnerships.
Upturn SWOT Analysis
Strengths
- Proprietary AI technology
- Strong partnerships with financial institutions
- Experienced management team
- Focus on high-growth fintech market
Weaknesses
- Relatively short operating history
- Dependence on AI model performance
- Potential for regulatory scrutiny
- Sensitivity to economic cycles
Opportunities
- Expansion into new markets and product lines
- Increased adoption of AI in lending
- Strategic acquisitions
- Growing demand for alternative investment solutions
Threats
- Increased competition
- Changes in regulatory environment
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- UPST
- LC
- RDFN
- SOFI
Competitive Landscape
Pagaya competes with other fintech companies and traditional financial institutions. Its competitive advantage lies in its AI technology and partnerships. The competition has become more intense as other companies have come up with similar AI models.
Growth Trajectory and Initiatives
Historical Growth: Pagaya has experienced rapid revenue growth due to demand for AI driven tools.
Future Projections: Analysts predict continued growth, driven by increased adoption of AI in lending and expansion into new markets.
Recent Initiatives: Recent initiatives include expanding partnerships with financial institutions and developing new AI-powered solutions.
Summary
Pagaya Technologies Ltd. Warrants' value is tied directly to Pagaya Technologies and its stock performance. Pagaya is well-positioned in the growing AI lending market with strategic partnerships. Potential risks include increased competition, and regulatory changes. Their AI models provide them with a competitive edge to capture a large share of the market. Warrant holders benefit from Pagaya's stock price performance and could lose value if the underlying company declines in value.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share estimates are approximate and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pagaya Technologies Ltd. Warrants
Exchange NASDAQ | Headquaters New York, NY, United States | ||
IPO Launch date 2022-06-23 | CEO, Co-Founder & Director Mr. Gal Krubiner | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 527 | Website https://pagaya.com |
Full time employees 527 | Website https://pagaya.com |
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services and other service providers, their customers, and asset investors in the United States, Israel, and the Cayman Islands. The company develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. The company was incorporated in 2016 and is headquartered in New York, New York.

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