PGY
Pagaya Technologies Ltd.
Software - Infrastructure
Market Cap$1.28B
5Y Perf.-86.7%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
PGY vs PRAA
Revenue, margins, valuation, and 5-year total return — side by side.
PRAA
PRA Group, Inc.
Financial - Credit Services
Market Cap$803M
5Y Perf.-44.6%
PGY vs PRAA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PGY | PRAA |
|---|---|---|
| Industry | Software - Infrastructure | Financial - Credit Services |
| Market Cap | $1.28B | $803M |
| Revenue (TTM) | $1.30B | $1.24B |
| Net Income (TTM) | $98M | $-305M |
| Gross Margin | 30.6% | 99.2% |
| Operating Margin | 21.8% | 33.9% |
| Forward P/E | 12.5x | 25.9x |
| Total Debt | $923M | $32M |
| Cash & Equiv. | $288M | $104M |
PGY vs PRAA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PGY
PRAA
| Stock | Apr 21 | May 26 | Return |
|---|---|---|---|
| Pagaya Technologies… (PGY) | 100 | 13.3 | -86.7% |
| PRA Group, Inc. (PRAA) | 100 | 55.4 | -44.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PGY vs PRAA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PGY leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. PRA Group, Inc. is the stronger pick specifically for capital preservation and lower volatility 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 carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 25.6%, EPS growth 116.4%, 3Y rev CAGR 22.5%
- 25.6% revenue growth vs PRAA's 10.4%
- Lower P/E (12.5x vs 25.9x)
Best for: growth exposure
PRAA
PRA Group, Inc.
The Banking Pick
PRAA is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 2 yrs, beta 1.82
- -32.2% 10Y total return vs PGY's -87.1%
- Lower volatility, beta 1.82, Low D/E 3.1%, current ratio 1.68x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PGY | 25.6% revenue growth vs PRAA's 10.4% |
| Value | PGY | Lower P/E (12.5x vs 25.9x) |
| Quality / Margins | PGY | 7.6% margin vs PRAA's -24.6% |
| Stability / Safety | PRAA | Beta 1.82 vs PGY's 3.36, lower leverage |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | PRAA | +57.2% vs PGY's +37.8% |
| Efficiency (ROA) | PGY | 6.5% ROA vs PRAA's -5.9%, ROIC 15.8% vs 11.2% |
PGY vs PRAA — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
PGY vs PRAA — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPRAALAGGINGPGY
PGYPagaya Technologies L…
1leads
PRAAPRA Group, Inc.
4leads
6 Total Categories
CATEGORYLEADERvs PGYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PRAA3/5
Valuation MetricsMultiples, price ratios, and targets
PRAA4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PGY5/8
Total Returns1Y, 3Y, 5Y total returns with dividends
PRAA4/6
Risk & VolatilityBeta, volatility, and downside exposure
PRAA2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
PRAA leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PGY and PRAA operate at a comparable scale, with $1.3B and $1.2B in trailing revenue. PGY is the more profitable business, keeping 7.6% of every revenue dollar as net income compared to PRAA's -24.6%.
| Metric | PGYPagaya Technologi… | PRAAPRA Group, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $1.3B | $1.2B |
| EBITDAEarnings before interest/tax | $305M | $431M |
| Net IncomeAfter-tax profit | $98M | -$305M |
| Free Cash FlowCash after capex | $234M | -$90M |
| Gross MarginGross profit ÷ Revenue | +30.6% | +99.2% |
| Operating MarginEBIT ÷ Revenue | +21.8% | +33.9% |
| Net MarginNet income ÷ Revenue | +7.6% | -24.6% |
| FCF MarginFCF ÷ Revenue | +18.1% | -7.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +12.5% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +191.4% | +2.1% |
PRAA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
PRAA leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, PRAA's 1.7x EV/EBITDA is more attractive than PGY's 7.5x.
| Metric | PGYPagaya Technologi… | PRAAPRA Group, Inc. |
|---|---|---|
| Market CapShares × price | $1.3B | $803M |
| Enterprise ValueMkt cap + debt − cash | $1.9B | $731M |
| Trailing P/EPrice ÷ TTM EPS | 16.67x | -2.68x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.49x | 25.94x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 7.54x | 1.69x |
| Price / SalesMarket cap ÷ Revenue | 1.01x | 0.65x |
| Price / BookPrice ÷ Book value/share | 2.32x | 0.79x |
| Price / FCFMarket cap ÷ FCF | 5.69x | — |
PRAA leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
PGY leads this category, winning 5 of 8 comparable metrics.
Profitability & Efficiency
PGY delivers a 18.2% return on equity — every $100 of shareholder capital generates $18 in annual profit, vs $-26 for PRAA. PRAA carries lower financial leverage with a 0.03x debt-to-equity ratio, signaling a more conservative balance sheet compared to PGY's 1.66x. On the Piotroski fundamental quality scale (0–9), PGY scores 7/9 vs PRAA's 5/9, reflecting strong financial health.
| Metric | PGYPagaya Technologi… | PRAAPRA Group, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +18.2% | -26.0% |
| ROA (TTM)Return on assets | +6.5% | -5.9% |
| ROICReturn on invested capital | +15.8% | +11.2% |
| ROCEReturn on capital employed | +17.5% | +8.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 5 |
| Debt / EquityFinancial leverage | 1.66x | 0.03x |
| Net DebtTotal debt minus cash | $634M | -$72M |
| Cash & Equiv.Liquid assets | $288M | $104M |
| Total DebtShort + long-term debt | $923M | $32M |
| Interest CoverageEBIT ÷ Interest expense | — | 0.06x |
PGY leads this category, winning 5 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
PRAA leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PRAA five years ago would be worth $5,317 today (with dividends reinvested), compared to $1,325 for PGY. Over the past 12 months, PRAA leads with a +57.2% total return vs PGY's +37.8%. The 3-year compound annual growth rate (CAGR) favors PGY at 16.0% vs PRAA's -15.3% — a key indicator of consistent wealth creation.
| Metric | PGYPagaya Technologi… | PRAAPRA Group, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -30.4% | +19.5% |
| 1-Year ReturnPast 12 months | +37.8% | +57.2% |
| 3-Year ReturnCumulative with dividends | +56.2% | -39.3% |
| 5-Year ReturnCumulative with dividends | -86.8% | -46.8% |
| 10-Year ReturnCumulative with dividends | -87.1% | -32.2% |
| CAGR (3Y)Annualised 3-year return | +16.0% | -15.3% |
PRAA leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
PRAA leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PRAA is the less volatile stock with a 1.82 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. PRAA currently trades 92.6% from its 52-week high vs PGY's 34.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PGYPagaya Technologi… | PRAAPRA Group, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 3.36x | 1.82x |
| 52-Week HighHighest price in past year | $44.99 | $22.55 |
| 52-Week LowLowest price in past year | $10.40 | $10.25 |
| % of 52W HighCurrent price vs 52-week peak | +34.5% | +92.6% |
| RSI (14)Momentum oscillator 0–100 | 62.4 | 61.2 |
| Avg Volume (50D)Average daily shares traded | 3.2M | 449K |
PRAA 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 PRAA as "Hold". Consensus price targets imply 101.6% upside for PGY (target: $31) vs 24.5% for PRAA (target: $26).
| Metric | PGYPagaya Technologi… | PRAAPRA Group, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $31.25 | $26.00 |
| # AnalystsCovering analysts | 12 | 13 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | 2 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.5% |
Insufficient data to determine a leader in this category.
Key Takeaway
PRAA leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). PGY leads in 1 (Profitability & Efficiency).
Best OverallPRA Group, Inc. (PRAA)Leads 4 of 6 categories
Loading custom metrics...
PGY vs PRAA: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PGY or PRAA a better buy right now?
For growth investors, Pagaya Technologies Ltd.
(PGY) is the stronger pick with 25. 6% revenue growth year-over-year, versus 10. 4% for PRA Group, Inc. (PRAA). Pagaya Technologies Ltd. (PGY) offers the better valuation at 16. 7x trailing P/E (12. 5x 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 PRAA?
On forward P/E, Pagaya Technologies Ltd.
is actually cheaper at 12. 5x.
03Which is the better long-term investment — PGY or PRAA?
Over the past 5 years, PRA Group, Inc.
(PRAA) delivered a total return of -46. 8%, compared to -86. 8% for Pagaya Technologies Ltd. (PGY). Over 10 years, the gap is even starker: PRAA returned -32. 2% versus PGY's -87. 1%. 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 PRAA?
By beta (market sensitivity over 5 years), PRA Group, Inc.
(PRAA) is the lower-risk stock at 1. 82β versus Pagaya Technologies Ltd. 's 3. 36β — meaning PGY is approximately 85% more volatile than PRAA relative to the S&P 500. On balance sheet safety, PRA Group, Inc. (PRAA) carries a lower debt/equity ratio of 3% versus 166% for Pagaya Technologies Ltd. — giving it more financial flexibility in a downturn.
05Which is growing faster — PGY or PRAA?
By revenue growth (latest reported year), Pagaya Technologies Ltd.
(PGY) is pulling ahead at 25. 6% versus 10. 4% for PRA Group, Inc. (PRAA). On earnings-per-share growth, the picture is similar: Pagaya Technologies Ltd. grew EPS 116. 4% year-over-year, compared to -535. 2% for PRA Group, Inc.. 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 PRAA?
Pagaya Technologies Ltd.
(PGY) is the more profitable company, earning 6. 5% net margin versus -24. 6% for PRA Group, Inc. — meaning it keeps 6. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PRAA leads at 33. 9% versus 17. 7% for PGY. At the gross margin level — before operating expenses — PRAA leads at 99. 2%, 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 PRAA more undervalued right now?
On forward earnings alone, Pagaya Technologies Ltd.
(PGY) trades at 12. 5x forward P/E versus 25. 9x for PRA Group, Inc. — 13. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PGY: 101. 6% to $31. 25.
08Which pays a better dividend — PGY or PRAA?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
09Is PGY or PRAA better for a retirement portfolio?
For long-horizon retirement investors, PRA Group, Inc.
(PRAA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. 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 (PRAA: -32. 2%, PGY: -87. 1%), 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 PRAA?
These companies operate in different sectors (PGY (Technology) and PRAA (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: PGY is a small-cap high-growth stock; PRAA is a small-cap quality compounder stock. 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.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(PGY: 12.5% · PRAA: 10.4%)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.