Overview

Pagaya specializes in managing institutional money through the use of artificial intelligence. The company focuses on the asset management market, particularly in creating asset-backed securities (ABS). Pagaya utilizes advanced machine learning and big data analytics to find profitable opportunities in complex financial markets. By collaborating with tech-enabled firms, it enhances the understanding of consumer behavior and its effects on credit markets. Revenue is generated through the issuance and management of ABS, which are overseen by AI, offering a distinct advantage to institutional investors. Unlike its competitors, Pagaya emphasizes a culture of collaboration and technological advancement, allowing it to quickly identify opportunities and develop comprehensive solutions. The company has demonstrated its effectiveness by issuing over $1 billion in ABS within just a year and a half.

Simplify's Take

What believers are saying

• Pagaya achieved its first AAA-rated Auto ABS deal in 2025.
• Pagaya raised $1 billion in new ABS deals, showing strong market demand.
• AI-driven credit risk models enhance Pagaya's ABS offerings.

What critics are saying

• Integration of Tally Technologies' IP may lead to operational inefficiencies.
• Rapid ABS issuance could increase financial risk if market conditions change.
• AI model reliance may face regulatory scrutiny over transparency and accountability.

What makes Pagaya unique

• Pagaya uses AI and big data to manage institutional money effectively.
• Pagaya Pulse platform offers a scalable performance edge with state-of-the-art algorithms.
• Pagaya's focus on ABS provides a unique value proposition to institutional investors.

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