WallStSmart

Microsoft Corporation (MSFT)vsPagaya Technologies Ltd. (PGY)

VS

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 0.04. PGY earns a higher WallStSmart Score of 73/100 (B).

MSFT

Strong Buy

72

out of 100

Grade: B

Growth: 8.0Profit: 9.5Value: 5.7Quality: 7.0
Piotroski: 4/9Altman Z: 2.51

PGY

Strong Buy

73

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 8.0Quality: 4.5
Piotroski: 5/9Altman Z: 0.76
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for MSFT.

PGYUndervalued (+1.4%)

Margin of Safety

+1.4%

Fair Value

$13.06

Current Price

$14.56

$1.50 discount

UndervaluedFair: $13.06Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MSFT6 strengths · Avg: 9.8/10
Market CapQuality
$3.28T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
30.2%10/10

Every $100 of equity generates 30 in profit

Profit MarginProfitability
39.3%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
46.3%10/10

Strong operational efficiency at 46.3%

Free Cash FlowQuality
$15.80B10/10

Generating 15.8B in free cash flow

Debt/EquityHealth
0.149/10

Conservative balance sheet, low leverage

PGY5 strengths · Avg: 8.8/10
PEG RatioValuation
0.0410/10

Growing faster than its price suggests

EPS GrowthGrowth
183.8%10/10

Earnings expanding 183.8% YoY

P/E RatioValuation
13.5x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Operating MarginProfitability
25.2%8/10

Strong operational efficiency at 25.2%

Areas to Watch

MSFT1 concerns · Avg: 4.0/10
P/E RatioValuation
26.3x4/10

Moderate valuation

PGY4 concerns · Avg: 2.8/10
Market CapQuality
$1.25B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.4%3/10

7.4% margin — thin

Debt/EquityHealth
1.813/10

Elevated debt levels

Altman Z-ScoreHealth
0.762/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 0.04 suggests the stock is reasonably priced for its growth.

Bear Case : MSFT

The primary concerns for MSFT are P/E Ratio.

Bear Case : PGY

The primary concerns for PGY are Market Cap, Profit Margin, Debt/Equity. Debt-to-equity of 1.81 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 5.44 — 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

PGY scores higher overall (73/100 vs 72/100). 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.

Want to dig deeper into these stocks?