THE BAGS IN THE ROUGH $PGY💰💰

Be ready for some small phone screen typed DD on why $PGY is in a position to rip after earnings Feb 9th. # Why you may ask Well this is the earnings they become hugely profitable and ready to rip, reporting 3 consecutive quarters of GAAP net income, 300%+ EPS growth, and finally hitting the price targets everyone currently has for them: Benchmark, Strong Buy, $54.00 – $56.70 B. Riley Securities, Buy, $54.00 Canaccord Genuity, Buy, $43.33 "Keefe, Bruyette & Woods", Outperform,$38.00 JMP Securities, Market Outperform, $35.00 Citizens, Outperform, $35.00 Stephens, Overweight, $27.27 (Low Estimate) I’m fully ported into **$22 strike 3/20 & 5/15 calls** for the long haul because I’m not a pussy and have conviction in my choice. Plus their product is needed since FICO & current scoring systems are total dogshit. TLDR at the end of post if you don’t wanna read further. # Here’s some recent news and positives for the unconvinced: **1.** January 16, 2026, Pagaya announced a landmark $350 million revolving ABS deal with 26North. # Why this shit matters: This deal is a revolving structure. As loans are repaid, the money is immediately reinvested into new loans for 24 months. ***Yea that’s nice.*** Also this single deal creates up to $700 million in total funding capacity so it proves that major institutional players have massive confidence in Pagaya’s AI accuracy, providing even more fuel to the fire. ***Currently fully erect.*** **2.** This will be the first time $PGY enters a new year with a track record of three consecutive quarters of GAAP net income. # Why this shit also matters Money that’s why, they are printing money and lots of it. Annual net income has increased significantly and revenue has been growing much faster than expenses CONSISTENTLY. **3.** They rapidly diversified, no longer just a personal loan company # Why this shit also matters Diversified risk by taking on auto and point of sale loans too. Believe it represents 32% of their volume versus 9% last year. Also super profitable. **4.** Their “Pre-screen” tool (software) is actually pretty cool and effective also now an integral part of the banks using the tool. # Why this shit also matters Allows banks to proactively offer loans to their customers who are currently invisible via regular FICO garbage scoring models and is super low cost to do so. This product alone is expected to bring over $1.5B in 2026 revenue. They have already *EVALUATED $3.2 TRILLION* in applications. That’s some fucking moat and 2 years of defense spending. **5.** Price gap here is insane, as of this post it closed at $21.99 a share and is being crushed by shorts and the upcoming long weekend. # Final why this shit also matters The evaluation here is just blatantly wrong imo. It looks like it’s being artificially pushed down by extremely gay pathetic bears. But it can provide a great opportunity to get in while it’s down and enjoy some sweet sweet tendie bags post earnings. # TLDR ***True bag kings don’t read full DD:*** Buy since awaited profitable earnings will be reported and is ready to explosively rip, software is actually pretty legit and has already evaluated 3.2TRILLION in applications, bears currently pushing it down are gay spiritual losers ready to be gaped.