Pagaya (PGY): Assessing Valuation After Latest $500 Million AI-Driven Securitization Milestone

Simply Wall St.12-12

Pagaya Technologies (PGY) just closed its latest $500 million asset backed securitization tied to consumer loans, the eighth such PAID deal this year, pushing total 2025 ABS funding for personal loans...

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While the 90 day share price return is still down sharply at about 37 percent, the stock’s year to date share...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4023":"应用软件","LU2360107671.USD":"BGF FINTECH \"A4\" (USD) INC","PGY.AU":"PILOT ENERGY LTD","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","BK7142":"石油与天然气的勘探与生产","PGY":"Pagaya Technologies Ltd.","LU1861217088.USD":"贝莱德金融科技A2"},"translate_title":"Pagaya(PGY)：在最新5亿美元人工智能驱动的证券化里程碑后评估估值","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"PGY.AU":1.5,"PGY":1.5},"content_text":"Pagaya Technologies (PGY) just closed its latest $500 million asset backed securitization tied to consumer loans, the eighth such PAID deal this year, pushing total 2025 ABS funding for personal loans to about $5.4 billion. See our latest analysis for Pagaya Technologies. That funding momentum comes after Pagaya filed a roughly $1.26 billion shelf registration earlier this month. While the 90 day share price return is still down sharply at about 37 percent, the stock’s year to date share price return and three year total shareholder return remain very strong, suggesting the latest AI driven securitization deals are reshaping how investors think about its growth versus risk profile. If Pagaya’s run has you rethinking where growth and execution might show up next in your portfolio, this could be a good moment to explore high growth tech and AI stocks. With the stock still trading well below analyst targets despite triple digit multi year returns and accelerating AI driven funding, is Pagaya quietly undervalued here, or is the market already pricing in the next leg of growth? Most Popular Narrative: 38.4% Undervalued Pagaya’s most followed narrative points to a fair value well above the last close of $24.96, framing the recent securitization wave as a key proof point.  Optimization of financing structure, illustrated by the recent successful $500M bond issuance that reduces cost of capital and extends debt maturities, improves cash flow and provides capital flexibility. This enables further investment in growth initiatives and supports future increases in earnings and net income.  Read the complete narrative. Curious how this story stretches from today’s losses to sizeable profits and a richer earnings multiple, all discounted at a precise rate? The full narrative unpacks the revenue climb, margin shift, and future valuation math driving that ambitious target. Result: Fair Value of $40.5 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, tighter regulation of AI underwriting and any stumble in credit performance or partner retention could quickly challenge the bullish growth and valuation case. Find out about the key risks to this Pagaya Technologies narrative.  Build Your Own Pagaya Technologies Narrative If you see the story differently or want to stress test your own assumptions with the same data, you can build a custom view in just minutes: Do it your way. A great starting point for your Pagaya Technologies research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision. Ready for your next investing edge? Before you move on, lock in your next potential winner by using the Simply Wall St Screener to surface high conviction ideas tailored to your strategy.  Capture early stage momentum with these 3609 penny stocks with strong financials, targeting smaller companies whose financial strength may place them on the cusp of broader market attention. Position yourself at the forefront of innovation through these 25 AI penny stocks, focusing on businesses that are turning artificial intelligence into real, scalable revenue. Strengthen your income stream by reviewing these 12 dividend stocks with yields > 3%, where resilient payouts and yields above 3% can play a role in anchoring your long term returns.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Mobile Infrastructure for Defense and DisasterThe next wave in robotics isn't humanoid. Its fully autonomous towers delivering 5G, ISR, and radar in under 30 minutes, anywhere.Get the investor briefing before the next round of contractsSponsored On Behalf of CiTechNew: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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