PGY
Pagaya Technologies Ltd.
Software - Infrastructure
Market Cap$1.05B
5Y Perf.-87.2%
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Stock Comparison
PGY vs COF
Revenue, margins, valuation, and 5-year total return — side by side.
COF
Capital One Financial Corporation
Financial - Credit Services
Market Cap$119.72B
5Y Perf.+29.7%
PGY vs COF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PGY | COF |
|---|---|---|
| Industry | Software - Infrastructure | Financial - Credit Services |
| Market Cap | $1.05B | $119.72B |
| Revenue (TTM) | $1.22B | $69.25B |
| Net Income (TTM) | $-191M | $2.45B |
| Gross Margin | 41.0% | 47.3% |
| Operating Margin | 17.8% | 3.3% |
| Forward P/E | 11.9x | 9.8x |
| Total Debt | $681M | $51.00B |
| Cash & Equiv. | $188M | $57.43B |
PGY vs COF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PGY
COF
| Stock | Apr 21 | May 26 | Return |
|---|---|---|---|
| Pagaya Technologies… (PGY) | 100 | 12.8 | -87.2% |
| Capital One Financi… (COF) | 100 | 129.7 | +29.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PGY vs COF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: COF leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Pagaya Technologies Ltd. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
PGY
Pagaya Technologies Ltd.
The Growth Play
PGY is the clearest fit if your priority is growth exposure.
- Rev growth 30.0%, EPS growth -164.5%, 3Y rev CAGR 31.1%
- 30.0% revenue growth vs COF's 28.4%
- +29.1% vs COF's +5.6%
Best for: growth exposure
COF
Capital One Financial Corporation
The Banking Pick
COF carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 3 yrs, beta 1.58, yield 1.7%
- 207.8% 10Y total return vs PGY's -87.6%
- Lower volatility, beta 1.58, Low D/E 44.9%, current ratio 0.15x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PGY | 30.0% revenue growth vs COF's 28.4% |
| Value | COF | Lower P/E (9.8x vs 11.9x) |
| Quality / Margins | COF | 3.5% margin vs PGY's -15.7% |
| Stability / Safety | COF | Beta 1.58 vs PGY's 3.36, lower leverage |
| Dividends | COF | 1.7% yield; 3-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | PGY | +29.1% vs COF's +5.6% |
| Efficiency (ROA) | COF | 0.4% ROA vs PGY's -13.1%, ROIC 1.3% vs 5.5% |
PGY vs COF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
PGY vs COF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCOFLAGGINGPGY
PGYPagaya Technologies L…
0leads
COFCapital One Financial…
5leads
6 Total Categories
CATEGORYLEADERvs PGYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
COF3/5
Valuation MetricsMultiples, price ratios, and targets
COF4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
COF5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
COF5/6
Risk & VolatilityBeta, volatility, and downside exposure
COF2/2
Analyst OutlookRatings, price targets, and dividends
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Income & Cash Flow (Last 12 Months)
COF leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
COF is the larger business by revenue, generating $69.3B annually — 57.0x PGY's $1.2B. COF is the more profitable business, keeping 3.5% of every revenue dollar as net income compared to PGY's -15.7%.
| Metric | PGYPagaya Technologi… | COFCapital One Finan… |
|---|---|---|
| RevenueTrailing 12 months | $1.2B | $69.3B |
| EBITDAEarnings before interest/tax | $247M | $7.5B |
| Net IncomeAfter-tax profit | -$191M | $2.5B |
| Free Cash FlowCash after capex | $171M | $27.7B |
| Gross MarginGross profit ÷ Revenue | +41.0% | +47.3% |
| Operating MarginEBIT ÷ Revenue | +17.8% | +3.3% |
| Net MarginNet income ÷ Revenue | -15.7% | +3.5% |
| FCF MarginFCF ÷ Revenue | +14.0% | +37.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | +36.3% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +124.7% | +22.1% |
COF leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
COF leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
On an enterprise value basis, COF's 15.0x EV/EBITDA is more attractive than PGY's 16.2x.
| Metric | PGYPagaya Technologi… | COFCapital One Finan… |
|---|---|---|
| Market CapShares × price | $1.1B | $119.7B |
| Enterprise ValueMkt cap + debt − cash | $1.5B | $113.3B |
| Trailing P/EPrice ÷ TTM EPS | -2.62x | 47.99x |
| Forward P/EPrice ÷ next-FY EPS est. | 11.95x | 9.80x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 16.15x | 15.02x |
| Price / SalesMarket cap ÷ Revenue | 1.05x | 1.73x |
| Price / BookPrice ÷ Book value/share | 2.38x | 0.92x |
| Price / FCFMarket cap ÷ FCF | 24.29x | 4.58x |
COF leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
COF leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
COF delivers a 2.4% return on equity — every $100 of shareholder capital generates $2 in annual profit, vs $-34 for PGY. COF carries lower financial leverage with a 0.45x debt-to-equity ratio, signaling a more conservative balance sheet compared to PGY's 1.54x. On the Piotroski fundamental quality scale (0–9), COF scores 5/9 vs PGY's 4/9, reflecting solid financial health.
| Metric | PGYPagaya Technologi… | COFCapital One Finan… |
|---|---|---|
| ROE (TTM)Return on equity | -33.7% | +2.4% |
| ROA (TTM)Return on assets | -13.1% | +0.4% |
| ROICReturn on invested capital | +5.5% | +1.3% |
| ROCEReturn on capital employed | +6.0% | +1.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 1.54x | 0.45x |
| Net DebtTotal debt minus cash | $493M | -$6.4B |
| Cash & Equiv.Liquid assets | $188M | $57.4B |
| Total DebtShort + long-term debt | $681M | $51.0B |
| Interest CoverageEBIT ÷ Interest expense | — | 0.14x |
COF leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
COF leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in COF five years ago would be worth $13,181 today (with dividends reinvested), compared to $1,268 for PGY. Over the past 12 months, PGY leads with a +29.1% total return vs COF's +5.6%. The 3-year compound annual growth rate (CAGR) favors COF at 31.2% vs PGY's 14.3% — a key indicator of consistent wealth creation.
| Metric | PGYPagaya Technologi… | COFCapital One Finan… |
|---|---|---|
| YTD ReturnYear-to-date | -33.4% | -21.7% |
| 1-Year ReturnPast 12 months | +29.1% | +5.6% |
| 3-Year ReturnCumulative with dividends | +49.5% | +125.7% |
| 5-Year ReturnCumulative with dividends | -87.3% | +31.8% |
| 10-Year ReturnCumulative with dividends | -87.6% | +207.8% |
| CAGR (3Y)Annualised 3-year return | +14.3% | +31.2% |
COF leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
COF leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
COF is the less volatile stock with a 1.58 beta — it tends to amplify market swings less than PGY's 3.36 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. COF currently trades 74.5% from its 52-week high vs PGY's 33.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PGYPagaya Technologi… | COFCapital One Finan… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 3.36x | 1.58x |
| 52-Week HighHighest price in past year | $44.99 | $259.64 |
| 52-Week LowLowest price in past year | $10.40 | $174.98 |
| % of 52W HighCurrent price vs 52-week peak | +33.0% | +74.5% |
| RSI (14)Momentum oscillator 0–100 | 60.6 | 44.7 |
| Avg Volume (50D)Average daily shares traded | 3.0M | 4.7M |
COF leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates PGY as "Buy" and COF as "Buy". Consensus price targets imply 110.7% upside for PGY (target: $31) vs 38.1% for COF (target: $267). COF is the only dividend payer here at 1.69% yield — a key consideration for income-focused portfolios.
| Metric | PGYPagaya Technologi… | COFCapital One Finan… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $31.25 | $267.18 |
| # AnalystsCovering analysts | 12 | 56 |
| Dividend YieldAnnual dividend ÷ price | — | +1.7% |
| Dividend StreakConsecutive years of raises | — | 3 |
| Dividend / ShareAnnual DPS | — | $3.27 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +3.4% |
Insufficient data to determine a leader in this category.
Key Takeaway
COF leads in 5 of 6 categories — strongest in Income & Cash Flow and Valuation Metrics.
Best OverallCapital One Financial Corpo… (COF)Leads 5 of 6 categories
Loading custom metrics...
PGY vs COF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PGY or COF a better buy right now?
For growth investors, Pagaya Technologies Ltd.
(PGY) is the stronger pick with 30. 0% revenue growth year-over-year, versus 28. 4% for Capital One Financial Corporation (COF). Capital One Financial Corporation (COF) offers the better valuation at 48. 0x trailing P/E (9. 8x forward), making it the more compelling value choice. Analysts rate Pagaya Technologies Ltd. (PGY) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PGY or COF?
On forward P/E, Capital One Financial Corporation is actually cheaper at 9.
8x.
03Which is the better long-term investment — PGY or COF?
Over the past 5 years, Capital One Financial Corporation (COF) delivered a total return of +31.
8%, compared to -87. 3% for Pagaya Technologies Ltd. (PGY). Over 10 years, the gap is even starker: COF returned +207. 8% versus PGY's -87. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PGY or COF?
By beta (market sensitivity over 5 years), Capital One Financial Corporation (COF) is the lower-risk stock at 1.
58β versus Pagaya Technologies Ltd. 's 3. 36β — meaning PGY is approximately 112% more volatile than COF relative to the S&P 500. On balance sheet safety, Capital One Financial Corporation (COF) carries a lower debt/equity ratio of 45% versus 154% for Pagaya Technologies Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — PGY or COF?
By revenue growth (latest reported year), Pagaya Technologies Ltd.
(PGY) is pulling ahead at 30. 0% versus 28. 4% for Capital One Financial Corporation (COF). On earnings-per-share growth, the picture is similar: Capital One Financial Corporation grew EPS -65. 2% year-over-year, compared to -164. 5% for Pagaya Technologies Ltd.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PGY or COF?
Capital One Financial Corporation (COF) is the more profitable company, earning 3.
5% net margin versus -40. 0% for Pagaya Technologies Ltd. — meaning it keeps 3. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PGY leads at 6. 7% versus 3. 3% for COF. At the gross margin level — before operating expenses — COF leads at 47. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PGY or COF more undervalued right now?
On forward earnings alone, Capital One Financial Corporation (COF) trades at 9.
8x forward P/E versus 11. 9x for Pagaya Technologies Ltd. — 2. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PGY: 110. 7% to $31. 25.
08Which pays a better dividend — PGY or COF?
In this comparison, COF (1.
7% yield) pays a dividend. PGY does not pay a meaningful dividend and should not be held primarily for income.
09Is PGY or COF better for a retirement portfolio?
For long-horizon retirement investors, Capital One Financial Corporation (COF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (1.
7% yield, +207. 8% 10Y return). Pagaya Technologies Ltd. (PGY) carries a higher beta of 3. 36 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (COF: +207. 8%, PGY: -87. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PGY and COF?
These companies operate in different sectors (PGY (Technology) and COF (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
COF pays a dividend while PGY does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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