Microsoft Corporation (MSFT)vsPagaya Technologies Ltd. (PGY)
MSFT
Microsoft Corporation
$451.10
+15.51%
TECHNOLOGY · Cap: $2.90T
PGY
Pagaya Technologies Ltd.
$17.64
+8.96%
TECHNOLOGY · Cap: $1.45B
Smart Verdict
WallStSmart Research — data-driven comparison
Microsoft Corporation generates 23843% more annual revenue ($318.27B vs $1.33B). MSFT leads profitability with a 39.3% profit margin vs 7.4%. PGY appears more attractively valued with a PEG of 0.05. MSFT earns a higher WallStSmart Score of 72/100 (B).
MSFT
Strong Buy72
out of 100
Grade: B
PGY
Strong Buy70
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-82.9%
Fair Value
$215.02
Current Price
$451.10
$236.08 premium
Margin of Safety
-0.3%
Fair Value
$12.83
Current Price
$17.64
$4.81 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Mega-cap, among the largest globally
Every $100 of equity generates 30 in profit
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 46.3%
Generating 15.8B in free cash flow
18.3% revenue growth
Growing faster than its price suggests
Earnings expanding 183.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.2%
Areas to Watch
Trading at 8.1x book value
Distress zone — elevated risk
Smaller company, higher risk/reward
7.4% margin — thin
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : MSFT
The strongest argument for MSFT centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 39.3% and operating margin at 46.3%. Revenue growth of 18.3% demonstrates continued momentum.
Bull Case : PGY
The strongest argument for PGY centers on PEG Ratio, EPS Growth, P/E Ratio. PEG of 0.05 suggests the stock is reasonably priced for its growth.
Bear Case : MSFT
The primary concerns for MSFT are Price/Book.
Bear Case : PGY
The primary concerns for PGY are Altman Z-Score, Market Cap, Profit Margin. Debt-to-equity of 1.75 is elevated, increasing financial risk.
Key Dynamics to Monitor
MSFT profiles as a growth stock while PGY is a value play — different risk/reward profiles.
PGY carries more volatility with a beta of 5.34 — expect wider price swings.
MSFT is growing revenue faster at 18.3% — sustainability is the question.
MSFT generates stronger free cash flow (15.8B), providing more financial flexibility.
Bottom Line
MSFT scores higher overall (72/100 vs 70/100), backed by strong 39.3% margins and 18.3% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Microsoft Corporation
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Microsoft Corporation is an American multinational technology company which produces computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2016. It is considered one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Amazon, and Facebook.
Visit Website →Pagaya Technologies Ltd.
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Pagaya Technologies Ltd. is a financial technology company in Israel, the United States and the Cayman Islands. The company is headquartered in Tel Aviv, Israel.
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