Wall Street sees potential upside in Block and Pagaya despite the flat market start. Block is cutting its workforce from 10,000 to 6,000 to improve margins. Their Q4 showed better operating income, but revenue was dragged down by Bitcoin performance. Analysts see about 65% upside. Pagaya reported 20% revenue growth and $34M in net income, beating projections. However, the stock dropped due to weak guidance and struggles in their rental property unit. It's trading at 3.8x forward earnings, and analysts have price targets implying 195% upside.