Pagaya Technologies (PGY) vs. UPST and AFRM: Can AI-Powered Lending Growth and Free Cash Flow Turn a High-Risk Fintech Into a Value Opportunity?

Is PGY a good stock to buy? We came across a bullish thesis on Pagaya Technologies Ltd. on Beeli Capital’s Substack. The thesis was published on July 4^th, when the stock was trading at $17.79, and PGY has gained modestly since then. The gain appears to reflect improving profitability, raised full-year earnings guidance, and stronger funding access through new lending facilities and securitization deals. In this article, we will summarize the bulls’ thesis on PGY. Pagaya Technologies...