14 Oversold Value Stocks to Invest in Right Now

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7. Pagaya Technologies Ltd. (NASDAQ:PGY)

Three-Month Share Price Decline: 30.87%

Number of Hedge Fund Holders: 38

Upside Potential: 115.00%

On February 4, 2026, a $800 million AAA-rated personal loan ABS transaction, PAID 2026-1, was closed by Pagaya Technologies Ltd. (NASDAQ:PGY). Thanks to strong institutional demand, the deal value exceeded the initial $600 million target by 33%. With 32 investors participating, most returned from prior transactions due to confidence in the company’s AI-driven consumer credit platform. Pagaya has issued over $34.5 billion across 85 ABS deals since 2018.

Meanwhile, on January 26, 2026, Pagaya Technologies Ltd. (NASDAQ:PGY) made an announcement, finalizing a forward flow agreement with Sound Point Capital Management to acquire up to $720 million in point-of-sale loans. With the first POS forward flow transaction, the company employs scalable, repeatable capital solutions across its growing product portfolio. Using predictive AI-powered credit decisioning, the company will facilitate high-quality consumer credit across personal loan, auto, and POS verticals. By combining public ABS programs with private capital partnerships, the company aims to build a multi-channel funding platform to drive growth and resilience in 2026.

Pagaya Technologies Ltd. (NASDAQ:PGY), a New York-based AI fintech company, develops data-driven solutions for consumer credit. The company enables real-time evaluation across personal loans, auto, and point-of-sale products for institutional investors.

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