[PGY] small cap AI company partnered with Visa

Hello everybody. Pagaya Technologies [PGY] is a small cap software company (1.25B) in the AI-driven product sector partnered with Visa, and 29 other companies, and whose job is to analyse, approve and deny loan applications based on the lender's criteria. Basically taking the job of underwriters.

It has a P/E of 14.38, 10% YoY growth and positive net income but it does have a debt to equity ratio of 1.9.

It has a base case intrinsic value of 36.64USD with a market price of 15.13USD.

Now the AI craze has been helping the stock grow for the past 3 months.

Would this be a worthy investment or does it have to much debt to risk it?

Thank you.