COMP <GO>
PGY vs V // PIOTROSKI F-SCORE QUALITY
Pagaya Technologies Ltd. (Class A) (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: PGY 5
— V 6
▲ PIOTROSKI F-SCORE QUALITY LEADER: V
LAST: $18.13 (-5.72%) • MKT CAP: $1.51B
piotroski-score
6/9
LAST: $425.51 (+2.88%) • MKT CAP: $760.28B
piotroski-score
9/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PGY VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PGY | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 32.30% | +52.70 | PGY | /roic <GO> |
| EV/EBITDA & P/E Valuation | 5.4x | 28.9x | -23.50 | PGY | /valuation <GO> |
| Free Cash Flow Yield | 12.94% | 2.90% | +10.04 | PGY | /fcf-yield <GO> |
| Operating Margin | 20.90% | 60.00% | -39.10 | V | /operating-margins <GO> |
| Net Profit Margin | 6.50% | 50.10% | -43.60 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 25.60% | 11.30% | +14.30 | PGY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 6/9 | 9/9 | -3.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 45.3 | 74.2 | -28.90 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.9x | 34.0x | -16.10 | PGY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.51B | $760.28B | -$758.77B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PGY REV | V REV | PGY GROSS % | V GROSS % | PGY FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $40.00B | — | — | $224.7M | $21.26B |
| FY 2024 | $1.00B | $35.93B | — | — | $30.0M | $18.33B |
| FY 2023 | $772.8M | $32.65B | — | — | -$21.7M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PGY // BETA —
V // BETA 1.06