Pagaya Technologies: Why This Capital-Light AI Powerhouse Is A Strong Buy
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Dmytro Lebid923 FollowersFollow5ShareSavePlay(13min)CommentsSummaryPagaya Technologies earns a 'strong buy' rating, driven by its AI-powered intermediary model that eliminates direct credit risk and enables scalable, commission-based growth.PGY delivered a significant Q3 2025 beat with EPS of $1.02 and a 19% YoY growth in network volume, showcasing powerful operational leverage and record margins.The platform’s AI-driven risk assessment and securitization process lowers borrower servicing costs by 30%, diversifies partner risk, and supports rapid network expansion.With 8 new partners in the pipeline and a lowered cost of corporate debt, the company is well-positioned to hit its record 2025 network volume guidance of over $10.5 billion. Panchanut Chobjit/iStock via Getty Images Investment thesis At present, FinTech continues to face challenges caused by credit cycles and high capital requirements. Nevertheless, Pagaya Technologies (PGY) is a company for whom such issues are a thing of the past. Their distinctive strategy, involving the development ofThis article was written byDmytro Lebid923 FollowersFollowMy professional journey in the investment field began in 2011. Today, I combine the roles of an Investment Consultant and an Active Intraday Trader. This synergistic approach allows me to maximize returns by leveraging deep knowledge in economics, fundamental investment analysis, and technical trading.
What You Will Find in My Analysis: Clear, actionable investment ideas designed to build a balanced portfolio of U.S. securities. A combination of macro-economic analysis and direct, real-world trading experience. My two university degrees in Finance and Economics were merely the starting point—my true expertise was forged through active practice in management and trading. My Goal on Seeking Alpha: To identify the most profitable and undervalued investment opportunities (primarily in the U.S. market) that are capable of forming a high-yield, balanced portfolio. Follow me for a balanced view, backed by active trading practice.Analyst’s Disclosure:I/we have a beneficial long position in the shares of PGY either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.