PGY (Pagaya Technologies) Moat Score: 3/10 (As of Jul. 15, 2026)

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PGY Pagaya Technologies Ltd PGY
77 GF Score
Price $17.96
GF Value $15.37
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Pagaya Technologies Moat Score?

Pagaya Technologies PGY -1.70% 77 Moat Score is 3 as of Jul. 15, 2026. GuruFocus rates PGY with a GF Score™ of 77/100 and a GF Value™ of $15.37 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 2,836 Software companies, Pagaya Technologies ranks better than 84.63% on this metric.

Pagaya Technologies has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Pagaya Technologies has No Moat: Pagaya Technologies operates in a competitive fintech space with limited market leadership and no significant customer switching costs. The company lacks strong brand strength, durable cost advantages, or significant regulatory barriers, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Pagaya Technologies might have No Moat - Very weak/transient advantages.

Pagaya Technologies  (NAS:PGY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Pagaya Technologies Moat Score Related Terms

PGY vs PICS, AI, RDWR: Moat Score Comparison

For the Software - Infrastructure subindustry, Pagaya Technologies's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Pagaya Technologies Moat Score vs Software Industry

For the Software industry and Technology sector, Pagaya Technologies's Moat Score distribution charts can be found below:

* The bar in red indicates where Pagaya Technologies's Moat Score falls into.


PGY
77GF Score
Pagaya Technologies Ltd PGY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Pagaya Technologies (PGY) has a Moat Score of 3 as of Jul. 15, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Pagaya Technologies ranks #436 out of 2836 companies in the Software industry, placing it in the top 15.4%.
Is Pagaya Technologies' Moat Score too high?
Pagaya Technologies' current Moat Score is 3. Based on the distribution chart, Pagaya Technologies ranks #436 out of 2836 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Pagaya Technologies has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pagaya Technologies' Moat Score compare to PICS and AI?
According to the Software industry distribution chart, Pagaya Technologies ranks #436 out of 2836 companies for Moat Score. This places Pagaya Technologies in the top 15% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Pagaya Technologies's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pagaya Technologies stock overvalued right now?
Based on GuruFocus' analysis, Pagaya Technologies (PGY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.37, compared to a current price of $17.96 — trading 16.9% above its estimated fair value. The current Moat Score is 3. Pagaya Technologies' overall GF Score™ is 77/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Pagaya Technologies (PGY), the current Moat Score is 3 as of Jul. 15, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Pagaya Technologies (PGY) Overvalued in 2026?

Based on GuruFocus' analysis, Pagaya Technologies stock appears to be overvalued. The current stock price of $17.96 is trading 16.9% above its estimated GF Value™ of $15.37. GuruFocus considers Pagaya Technologies to be Modestly Overvalued.

Key valuation signals for PGY:

  • Moat Score: 3
  • GF Value™: $15.37 vs. price of $17.96 (16.9% above fair value)
  • GF Score™: 77/100 with 6 warning signs

No single metric tells the full story. See the PGY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pagaya Technologies Business Description

Address 335 Madison Avenue, 16th Floor, New York, NY, USA, 10017
Pagaya Technologies Ltd is a product-focused technology company. It uses machine learning, a vast data network, and an AI-driven approach to offer comprehensive consumer credit and residential real estate products for its partners, their customers, and investors. Its suite of products includes Decline Monetization, Dual Look, First Look, Affiliate Optimizer Engine, Direct Marketing Engine, and FastPass, providing lenders with an AI-powered credit and acquisition ecosystem that helps them approve more borrowers, capture more demand, and grow without adding risk. Geographically, the company generates maximum revenue from its business in the United States.
77GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.96
Price
$15.37
GF Value