Calls
1
u/Nhruch
Reddit r/wallstreetbets
Win Rate
0.0%
return
-5.4%
Ticker
Side
Mentions
First Call
Call Price
P&L
Thesis
Theme
Source
Long
Jan 25
$21.81
-5.4%
Author claims Pagaya (PGY) is undervalued because its AI-backed second-look loan underwriting and shift to forward-flow funding with sovereign funds and insurers have turned it into a high-margin loan-approval tollbooth with minimal balance-sheet risk and roughly 35% YoY growth. They argue the stock trades at a laughable ~1.2x P/S versus Upstart and Affirm around 6x, and that February 9 earnings plus analyst upgrades and another profitable quarter could drive it back to its 1-year high of $45 near term and above $100 over one to two years. The main stated risk from the author's history is that rate hikes can make higher loans volatile and cause defaults in held tranches, along with the Theorem Technology lawsuit, though the lawsuit has been suspended.
Payments & Fintech
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u/Nhruch has 1 trade ideas tracked on Buzzberg across 1 tickers since January 2026. Most covered: PGY.
Historical call returns are modeled from recorded ideas and stored prices, not actual brokerage portfolio returns. Check the evaluated call set and horizon; past results do not establish future prediction accuracy. Explore our data and methodology
