Oportun Financial vs Pagaya Technologies
OPRT and PGY side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How OPRT and PGY compare
Pagaya Technologies grew revenue faster over the last twelve months (14.8% versus −0.40% for Oportun Financial).
Pagaya Technologies keeps more of each dollar of sales as profit, with a net margin of 10.8% compared with 3.9% at Oportun Financial.
Pagaya Technologies scores higher on the StockData Score (13 against 8 for Oportun Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | OPRT | PGY |
|---|---|---|
| Size and price | ||
| Market cap | $539M | – |
| Share price | $11.73 | $16.87 |
| Change, 1 year | 142% | −34.9% |
| Change, 5 years | −50.6% | −85.9% |
| Beta (5Y) | 1.88 | 3.33 |
| Employees | 83 | 518 |
| StockData Score | ||
| Total score | 8 | 13 (better) |
| Valuation score | 1 (better) | 0 |
| Growth score | 0 | 4 (better) |
| Performance score | 3 | 5 (better) |
| Health score | 4 | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 15.9× | – |
| P/S | 0.6× | – |
| P/B | 1.2× | – |
| EV/EBITDA | 3.7× | – |
| Fair value | $12.67 | – |
| Margin of safety | 7.4% | – |
| Growth | ||
| Revenue growth (TTM) | −0.40% | 14.8% (better) |
| Revenue growth, 5Y average | 10.4% | 67.4% (better) |
| Net income growth (TTM) | 21.7% | – |
| EPS growth (TTM) | 12.1% | – |
| EPS growth, 5Y average | – | 31.1% |
| Profitability | ||
| Gross margin | – | 43.9% |
| Operating margin | – | 26.4% |
| Net margin | 3.9% | 10.8% (better) |
| FCF margin | – | 16.3% |
| Return on equity | 9.1% | 29.0% (better) |
| Return on invested capital | – | 127% |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Altman Z-score | 0.33 | – |
| Piotroski F-score | 6 | 7 (better) |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | – |
| Ownership | ||
| Held by institutions | 82.4% | 37.8% |
| Held by insiders | 27.2% | 25.9% |
| Insider net buying, 12 months | −$416K (better) | −$4.5M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 4.2% | – |
Go deeper
- OPRT stock overview
- OPRT income statement
- OPRT valuation and score
- PGY stock overview
- PGY income statement
- PGY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.