PGY (Pagaya Technologies) Tariff Resilience Score: 8/10 (As of Jul. 23, 2026)

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PGY Pagaya Technologies Ltd PGY
77 GF Score
Price $16.88
GF Value $15.39
Valuation Fairly Valued
! 6 Warning Signs
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What is Pagaya Technologies Tariff Resilience Score?

Pagaya Technologies PGY -3.57% 77 Tariff Resilience Score is 8 as of Jul. 23, 2026. GuruFocus rates PGY with a GF Score™ of 77/100 and a GF Value™ of $15.39 (Fairly Valued). The stock has 6 warning signs investors should review. Among 2,805 Software companies, Pagaya Technologies ranks better than 96.04% on this metric.

Pagaya Technologies has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Pagaya Technologies has Pagaya Technologies operates in the fintech sector, with minimal exposure to physical goods tariffs. Its global operations are more service-oriented, reducing vulnerability to trade tariffs.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Pagaya Technologies might have Highly Resilient.

Pagaya Technologies  (NAS:PGY) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Pagaya Technologies Tariff Resilience Score Related Terms

PGY vs PICS, AI, RDWR: Tariff Resilience Score Comparison

For the Software - Infrastructure subindustry, Pagaya Technologies's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience 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 Tariff Resilience Score vs Software Industry

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

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


PGY
77GF Score
Pagaya Technologies Ltd PGY
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Pagaya Technologies (PGY) has a Tariff Resilience Score of 8 as of Jul. 23, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Pagaya Technologies ranks #111 out of 2805 companies in the Software industry, placing it in the top 4%.
Is Pagaya Technologies' Tariff Resilience Score too high?
Pagaya Technologies' current Tariff Resilience Score is 8. Based on the distribution chart, Pagaya Technologies ranks #111 out of 2805 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pagaya Technologies' Tariff Resilience Score compare to PICS and AI?
According to the Software industry distribution chart, Pagaya Technologies ranks #111 out of 2805 companies for Tariff Resilience Score. This places Pagaya Technologies in the top 4% 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 Tariff Resilience Score for a Software company?
A good Tariff Resilience Score depends on the Software industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Pagaya Technologies's current Tariff Resilience Score is 8. 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 Fairly Valued. The stock's GF Value™ is $15.39, compared to a current price of $16.88 — trading 9.6% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Pagaya Technologies (PGY), the current Tariff Resilience Score is 8 as of Jul. 23, 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 $16.88 is trading 9.6% above its estimated GF Value™ of $15.39. GuruFocus considers Pagaya Technologies to be Fairly Valued.

Key valuation signals for PGY:

  • Tariff Resilience Score: 8
  • GF Value™: $15.39 vs. price of $16.88 (9.6% 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

Get the complete analysis for PGY

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

$16.88
Price
$15.39
GF Value