Hold. Pagaya's 66 Growth Compounder score reflects solid revenue expansion in alternative credit, but 22.5× forward P/E prices in optimistic execution. Leadership alignment (70.5/100) is supported by founder-CEO ownership, though Vulnerability Index of 50 signals reliance on financial buffer rather than structural moat—regulatory shifts in consumer lending remain a material risk to unit economics.
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Stocky rates PGNY (PGNY) at 61/100 — a Hold — quality is solid but valuation or risk factors cap upside. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Hold. Pagaya's 66 Growth Compounder score reflects solid revenue expansion in alternative credit, but 22.5× forward P/E prices in optimistic execution. Leadership alignment (70.5/100) is supported by founder-CEO ownership, though Vulner
PGNY's current Stocky Verdict is 61/100, placing it in the "Hold" band. This composite combines a 66/100 Compounder score, 71/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for PGNY yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
PGNY scores 71/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
PGNY's Vulnerability Profile scores 50/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to PGNY.
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