Pagaya Technologies (PGY) AnalysisCompany Overview:
Pagaya Technologies NASDAQ:PGY is a fintech innovator leveraging AI-driven underwriting to scale across consumer credit, real estate, auto financing, and POS lending. Its diversified lending mix reduces reliance on personal loans while expanding growth opportunities.
Strategic Drivers:
Strong Partnerships: Backed by 31 financial institutions, enabling broad origination capacity.
Guidance Upgrade: Management raised 2025 outlook to $10.5–$11.5B in network volume, $1.25–$1.325B in revenue, and $345–$370M in adjusted EBITDA.
Execution Strength: Clear momentum toward becoming a leading U.S. lending platform.
Investment Outlook:
Bullish above: $23–$24.
Upside target: $43–$45, supported by AI-driven lending growth, partnerships, and upgraded guidance.
📢 PGY—AI-powered fintech scaling into a top-tier U.S. lending platform with accelerating revenue and EBITDA growth.
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