What is the 13F Pro Quality Score for PGY?

13F Pro ranks Pagaya Technologies Ltd. (PGY) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PGY's current score at https://13fpro.ai/research/PGY (free sign-up required for the full ranking).

Which hedge funds own the most PGY stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of PGY include LINDEN ADVISORS, BlackRock,, Context Capital Management,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/PGY as soon as new 13F filings post.

Where does 13F Pro source PGY data?

All Pagaya Technologies Ltd. fundamentals and ownership data come directly from SEC EDGAR. Pagaya Technologies Ltd. files with the SEC under CIK 1883085. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PGY in?

Pagaya Technologies Ltd. (PGY) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is PGY research updated on 13F Pro?

PGY's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

PGY Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Pagaya Technologies Ltd. (PGY), a Financials sector company. PGY is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Pagaya Technologies Ltd. reports quarterly revenue of $317.9M, net income of $24.7M, free cash flow of $40.0M. Top institutional holders of PGY by reported 13-F value include LINDEN ADVISORS, BlackRock,, Context Capital Management,, based on the most recent SEC filings. PGY trades on the Nasdaq exchange and files with the SEC under CIK 1883085. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PGY daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Pagaya Technologies Ltd. directly from SEC EDGAR. Pagaya Technologies Ltd.'s 13F Pro composite quality score has ranged between 32 and 46 since 2024, currently 46.2 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

Revenue

Q1 2026

$317.9M

Net Income

Q1 2026

$24.7M

Free Cash Flow

Q1 2026

$40.0M

AI Insight: PGY Financial Trends

Pagaya has turned decisively profitable — net income positive for five straight quarters with operating income surging from $5M to $80M since Q2 2024.

• Operating income expanded from $5M in Q2 2024 to $80M in Q1 2026, a 16x increase over seven quarters.

• Net income swung from -$75M in Q2 2024 to +$25M in Q1 2026, marking sustained profitability since Q1 2025.

• Revenue grew from $250M in Q2 2024 to a peak of $350M in Q3 2025, though Q1 2026 dipped to $318M.

• Equity recovered from a trough of $326M in Q4 2024 to $529M in Q1 2026, strengthening the balance sheet.

⚠ Revenue declined sequentially from $350M in Q3 2025 to $318M in Q1 2026 — potential growth deceleration warrants monitoring.

⚠ Total debt data is absent from Q2 2025 onward; leverage trajectory cannot be assessed with available figures.

⚠ Operating CF dropped to $43M in Q1 2026 from $80M in Q4 2025 — first quarter-over-quarter cash flow decline in three quarters.

AI Insight: PGY Ratio Trends

Pagaya's operating margin surged from 2.0% in Q2 2024 to 25.2% in Q1 2026, marking a dramatic profitability turnaround across six consecutive quarters.

• Operating margin expanded steadily from 2.0% in Q2 2024 to 25.2% in Q1 2026 — a 23.2pp improvement over seven quarters.

• ROIC recovered sharply from 2.6% in Q2 2024 to 60.5% in Q1 2026, peaking at 73.0% in Q3 2025.

• Net profit margin turned positive in Q1 2025 at 2.7%, after deeply negative readings of -29.9% and -85.2% in prior quarters.

• D/E data is absent for Q2 2025 onward, limiting visibility into current leverage and balance sheet structure.

⚠ ROIC declined from 73.0% in Q3 2025 to 60.5% in Q1 2026 — first multi-quarter pullback after a strong run-up.

⚠ NPM dipped from 10.2% in Q4 2025 to 7.8% in Q1 2026; monitor whether seasonal softness or margin compression is the driver.

⚠ D/E spiked to 0.98 in Q4 2024 before disappearing from subsequent disclosures — debt trajectory remains unverifiable.

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Available Research

13F Pro tracks comprehensive data for Pagaya Technologies Ltd. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PGY

LINDEN ADVISORS LP
$55.2M47,972,000 sh
BlackRock, Inc.
$52.1M4,470,910 sh
Context Capital Management, LLC
$32.5M28,225,000 sh
BANK OF MONTREAL /CAN/
$25.1M21,943,000 sh
GOLDMAN SACHS GROUP INC
$22.0M1,887,870 sh
TWO SIGMA INVESTMENTS, LP
$21.6M1,857,256 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$20.0M1,716,328 sh
AMERICAN CENTURY COMPANIES INC
$19.7M1,694,860 sh
MORGAN STANLEY
$16.3M1,401,567 sh
BNP PARIBAS FINANCIAL MARKETS
$14.3M12,487,000 sh

Fund	Value	Shares
LINDEN ADVISORS LP	$55.2M	47,972,000
BlackRock, Inc.	$52.1M	4,470,910
Context Capital Management, LLC	$32.5M	28,225,000
BANK OF MONTREAL /CAN/	$25.1M	21,943,000
GOLDMAN SACHS GROUP INC	$22.0M	1,887,870
TWO SIGMA INVESTMENTS, LP	$21.6M	1,857,256
VANGUARD PORTFOLIO MANAGEMENT LLC	$20.0M	1,716,328
AMERICAN CENTURY COMPANIES INC	$19.7M	1,694,860
MORGAN STANLEY	$16.3M	1,401,567
BNP PARIBAS FINANCIAL MARKETS	$14.3M	12,487,000

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Is PGY a good stock to buy?

13F Pro's AI-powered analysis of Pagaya Technologies Ltd. (PGY) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PGY are available on the PGY stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PGY?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PGY. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Pagaya Technologies Ltd.'s investment landscape.