Preview: Pagaya Technologies's Earnings
Pagaya Technologies (NASDAQ:PGY) will release its quarterly earnings report on Monday, 2026-02-09. Here's a brief overview for investors ahead of the announcement.
Analysts anticipate Pagaya Technologies to report an earnings per share (EPS) of $0.69.
The announcement from Pagaya Technologies is eagerly anticipated, with investors seeking news of surpassing estimates and favorable guidance for the next quarter.
It's worth noting for new investors that guidance can be a key determinant of stock price movements.
Past Earnings Performance
In the previous earnings release, the company beat EPS by $0.46, leading to a 0.69% increase in the share price the following trading session.
Here's a look at Pagaya Technologies's past performance and the resulting price change:
| Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|
| EPS Estimate | 0.56 | 0.59 | 0.45 | -0.37 |
| EPS Actual | 1.02 | 0.64 | 0.69 | 0.17 |
| Price Change % | 1.00 | -6.00 | 23.00 | 5.00 |
Performance of Pagaya Technologies Shares
Shares of Pagaya Technologies were trading at $16.65 as of February 05. Over the last 52-week period, shares are up 38.85%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release.
Analyst Opinions on Pagaya Technologies
For investors, grasping market sentiments and expectations in the industry is vital. This analysis explores the latest insights regarding Pagaya Technologies.
With 2 analyst ratings, Pagaya Technologies has a consensus rating of Buy. The average one-year price target is $37.0, indicating a potential 122.22% upside.
Comparing Ratings with Competitors
In this analysis, we delve into the analyst ratings and average 1-year price targets of Sprinklr, LiveRamp Holdings and C3.ai, three key industry players, offering insights into their relative performance expectations and market positioning.
- Analysts currently favor an Neutral trajectory for Sprinklr, with an average 1-year price target of $9.5, suggesting a potential 42.94% downside.
- Analysts currently favor an Buy trajectory for LiveRamp Holdings, with an average 1-year price target of $35.5, suggesting a potential 113.21% upside.
- Analysts currently favor an Neutral trajectory for C3.ai, with an average 1-year price target of $16.33, suggesting a potential 1.92% downside.
Analysis Summary for Peers
The peer analysis summary presents essential metrics for Sprinklr, LiveRamp Holdings and C3.ai, unveiling their respective standings within the industry and providing valuable insights into their market positions and comparative performance.
| Company | Consensus | Revenue Growth | Gross Profit | Return on Equity |
|---|---|---|---|---|
| Pagaya Techs | Buy | 36.35% | $139.31M | 5.29% |
| Sprinklr | Neutral | 9.16% | $145.49M | 0.53% |
| LiveRamp Holdings | Buy | 7.73% | $140.24M | 2.90% |
| C3.ai | Neutral | -20.34% | $30.38M | -13.33% |
Key Takeaway:
Pagaya Technologies ranks highest in Revenue Growth among its peers. It also leads in Gross Profit margin. However, it has the lowest Return on Equity. Overall, Pagaya Technologies is positioned favorably compared to its peers in terms of financial performance.
Unveiling the Story Behind Pagaya Technologies
Pagaya Technologies Ltd is a financial technology company working to reshape the lending marketplace by using machine learning, data analytics, and sophisticated AI-driven credit and analysis technology. It was built to provide a comprehensive solution to enable the credit industry to deliver customers a positive experience while simultaneously enhancing the broader credit ecosystem. Its proprietary API seamlessly integrates into its next-gen infrastructure network of partners to deliver a premium customer user experience and greater access to credit. The company generates majority of its revenue from United States.
Unraveling the Financial Story of Pagaya Technologies
Market Capitalization Analysis: The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.
Positive Revenue Trend: Examining Pagaya Technologies's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 36.35% as of 30 September, 2025, showcasing a substantial increase in top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Information Technology sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 6.26%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): Pagaya Technologies's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 5.29% ROE, the company effectively utilizes shareholder equity capital.
Return on Assets (ROA): Pagaya Technologies's ROA stands out, surpassing industry averages. With an impressive ROA of 1.49%, the company demonstrates effective utilization of assets and strong financial performance.
Debt Management: With a high debt-to-equity ratio of 1.83, Pagaya Technologies faces challenges in effectively managing its debt levels, indicating potential financial strain.
To track all earnings releases for Pagaya Technologies visit their earnings calendar on our site.
This article was generated by Benzinga's automated content engine and reviewed by an editor.