Pagaya Technologies Ltd.

Pagaya Technologies Ltd (PGY) is a financial technology company that applies machine learning and large-scale data analytics to credit and asset allocation. It partners with institutional investors and financial institutions to originate, price and manage consumer credit and other lending assets, often using structured financing or securitisation to access capital markets. Revenue typically comes from asset management fees, servicing and performance-related income rather than traditional bank interest margins. Investors should know Pagaya’s proposition is technology-led: its models aim to improve risk selection and scale loan exposure, but performance depends on model accuracy, data quality and macroeconomic credit conditions. As a smaller-cap fintech (market cap around $2.24bn), PGY can exhibit higher volatility and execution risk compared with established lenders. This is educational information and not personal investment advice — do consider your risk tolerance, the company’s recent results and regulatory environment before making decisions.