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 is still a credit business with a questionable moat, even if execution is good. There are too many world-class businesses out there to spend time convincing yourself an average one is exceptional; a proprietary model and a P/E of 4 do not make a wide moat. x.com  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, Upstart and Root are money-losing companies, not a rebound story. They pay no dividends, so their yield is zero, and any comparison with the 2021 SPAC-peak mania is not a long-term trend. This rebuts a post the author replies to, which argued these fintechs show steady quarter-over-quarter EPS growth on sustainable revenue, trade at 10-year lows with rising dividend yields, and could 2x or 3x. x.com 

Rate-hike fears are dragging down the whole lending sector, making Figure Technology look like a bargain around $25. That sector selloff could offer an opportunity over the next few months. x.com 

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 

Upstart has no AI underwriting moat; it is simply winning fewer personal-loan customers in a higher-rate environment while spending heavily. Originations rose 61% to $3.4 billion on auto (+300%) and home (+250%) with personal loans flat, but it returned to a GAAP net loss as contribution margin fell to 50% from 55% and operating expenses rose 45% to about $316 million. If the 10-year stays above 4.4%, a 55x P/E faces brutal valuation gravity, though hitting the $294M EBITDA guide would help. … Show more

Propel Holdings keeps executing quietly while the market looks elsewhere, with strong growth, an expanding fintech lending platform and shareholder returns, at a valuation many investors may be overlooking. 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 

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