Pagaya's AI credit-decisioning infrastructure, which connects lenders with borrowers more efficiently, looks underpriced by a market still figuring it out. Revenue has compounded at roughly 20%+ for years with steady quarterly growth and further acceleration expected. Banks want better underwriting and consumers want credit access, and Pagaya sits in the middle, so the model scales if it executes on expanding partnerships. It remains a higher-risk name with real upside. x.com 

Pagaya may be one of the cheapest stocks relative to its growth, at about 12.5x earnings after earnings grew over 4x in 2025, with management guiding for roughly 50% more earnings growth in 2026. Revenue still grew 26% last year; the selloff reflects business-model risk in the current macro, and net income outpacing revenue reflects margin expansion rather than a topping business. FICO is safer but has far less upside. A significant position depends on a few factors still to be resolved. x.com  … Show more

Pagaya is one of the cheapest stocks in the market, but its 15% short float shows the market still expects more downside than upside. Micron is the only name that currently makes financial sense. x.com 

Pagaya looks mispriced at $12: the AI lending platform just closed a $600M AAA-rated ABS deal, so the bond market sees what the stock market doesn't. Citizens reiterated Outperform with a $22 price target. x.com 

Pagaya may be one of the most misunderstood AI stocks: an AI-powered lending network still priced like a broken fintech. It trades at a single-digit P/E while turning profitable and scaling margins. It is high risk and high beta, with potentially asymmetric upside. x.com 

Pagaya's strong quarter is rightly being ignored by the market, because Treasury yields are threatening to break out, which means more credit risk. @ThothCapital, in the post being answered, highlights a huge revenue beat, net income at the high end of guidance and raised guidance for revenue, adjusted EBITDA and net income. x.com 

Pagaya's operating leverage is kicking in, which supports a rerating if it keeps delivering. It posted a massive EPS beat and raised full-year guidance; priced at 7–9 times its expected $100–150 million net income this year, delivery should rerate the stock. The key metric is markdowns, up 25% year over year against 10% revenue growth and offset by cutting operating and other expenses $8 million. If markdowns keep jumping, it cannot grow revenue without loosening lending standards. x.com 

Upstart offers a second chance to follow insider buying. In May the director and CEO bought $6.5M of stock combined at around $25-27; shares rebounded as high as $37 and have since round-tripped back to about $27. x.com 

Sivers Semiconductors' CEO buying stock is a bullish signal. @napoleon21st notes the CEO just bought over a quarter million dollars' worth. Insider buys tend to be bullish, while insider sells are not necessarily bearish because insiders sell for many personal reasons; neither is a clear signal, much as options flow reveals positioning without revealing intent. x.com  x.com