Pagaya Technologies vs Upstart
PGY and UPST side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How PGY and UPST compare
Upstart grew revenue faster over the last twelve months (46.3% versus 14.8% for Pagaya Technologies).
Pagaya Technologies keeps more of each dollar of sales as profit, with a net margin of 10.8% compared with 4.8% at Upstart.
Pagaya Technologies scores higher on the StockData Score (13 against 12 for Upstart), 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 | PGY | UPST |
|---|---|---|
| Size and price | ||
| Market cap | – | $1.9B |
| Share price | $16.87 | $19.56 |
| Change, 1 year | −34.9% | −50.6% |
| Change, 5 years | −85.9% | −90.5% |
| Beta (5Y) | 3.33 | 3.17 |
| Employees | 518 | 1,405 |
| StockData Score | ||
| Total score | 13 (better) | 12 |
| Valuation score | 0 | 2 (better) |
| Growth score | 4 (better) | 1 |
| Performance score | 5 | 5 |
| Health score | 4 | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 39.9× |
| P/S | – | 1.5× |
| P/B | – | 2.4× |
| EV/EBITDA | – | 19.2× |
| FCF yield | – | −15.2% |
| Fair value | – | $22.37 |
| Margin of safety | – | 12.6% |
| Growth | ||
| Revenue growth (TTM) | 14.8% | 46.3% (better) |
| Revenue growth, 5Y average | 67.4% (better) | 34.9% |
| EPS growth, 5Y average | 31.1% | – |
| Profitability | ||
| Gross margin | 43.9% | – |
| Operating margin | 26.4% (better) | 4.0% |
| Net margin | 10.8% (better) | 4.8% |
| FCF margin | 16.3% (better) | −23.2% |
| Return on equity | 29.0% (better) | 7.9% |
| Return on invested capital | 127% (better) | 21.7% |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Altman Z-score | – | 0.77 |
| Piotroski F-score | 7 (better) | 4 |
| Dividends and buybacks | ||
| Shareholder yield | – | 0.00% |
| Ownership | ||
| Held by institutions | 37.8% | 60.0% |
| Held by insiders | 25.9% | 12.3% |
| Insider net buying, 12 months | −$4.5M | $1.1M (better) |
| Superinvestors holding | 1 | 1 |
| Short interest, % of float | – | 31.1% |
Go deeper
- PGY stock overview
- PGY income statement
- PGY valuation and score
- UPST stock overview
- UPST income statement
- UPST valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.