WallStSmart

NVIDIA Corporation (NVDA)vsPagaya Technologies Ltd. (PGY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NVIDIA Corporation generates 21697% more annual revenue ($302.97B vs $1.39B). NVDA leads profitability with a 63.7% profit margin vs 9.1%. PGY appears more attractively valued with a PEG of 0.04. NVDA earns a higher WallStSmart Score of 80/100 (A-).

NVDA

Exceptional Buy

80

out of 100

Grade: A-

Growth: 10.0Profit: 10.0Value: 5.3Quality: 8.5
Piotroski: 3/9Altman Z: 6.75

PGY

Strong Buy

68

out of 100

Grade: B-

Growth: 9.3Profit: 8.0Value: 8.0Quality: 6.5
Piotroski: 5/9Altman Z: 1.51
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NVDASignificantly Overvalued (-52.6%)

Margin of Safety

-52.6%

Fair Value

$143.03

Current Price

$218.29

$75.26 premium

UndervaluedFair: $143.03Overvalued
PGYUndervalued (+3.3%)

Margin of Safety

+3.3%

Fair Value

$13.31

Current Price

$19.97

$6.66 discount

UndervaluedFair: $13.31Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NVDA6 strengths · Avg: 10.0/10
Market CapQuality
$5.27T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
84.2%10/10

Every $100 of equity generates 84 in profit

Profit MarginProfitability
63.7%10/10

Keeps 64 of every $100 in revenue as profit

Operating MarginProfitability
66.2%10/10

Strong operational efficiency at 66.2%

Revenue GrowthGrowth
105.9%10/10

Revenue surging 105.9% year-over-year

EPS GrowthGrowth
127.8%10/10

Earnings expanding 127.8% YoY

PGY6 strengths · Avg: 8.7/10
PEG RatioValuation
0.0410/10

Growing faster than its price suggests

EPS GrowthGrowth
143.3%10/10

Earnings expanding 143.3% YoY

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
27.3%8/10

Strong operational efficiency at 27.3%

Revenue GrowthGrowth
18.6%8/10

18.6% revenue growth

Areas to Watch

NVDA3 concerns · Avg: 3.0/10
P/E RatioValuation
27.6x4/10

Moderate valuation

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Price/BookValuation
23.0x2/10

Trading at 23.0x book value

PGY3 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.514/10

Distress zone — elevated risk

Market CapQuality
$1.80B3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.533/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : NVDA

The strongest argument for NVDA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 63.7% and operating margin at 66.2%. Revenue growth of 105.9% demonstrates continued momentum.

Bull Case : PGY

The strongest argument for PGY centers on PEG Ratio, EPS Growth, P/E Ratio. Revenue growth of 18.6% demonstrates continued momentum. PEG of 0.04 suggests the stock is reasonably priced for its growth.

Bear Case : NVDA

The primary concerns for NVDA are P/E Ratio, Piotroski F-Score, Price/Book.

Bear Case : PGY

The primary concerns for PGY are Altman Z-Score, Market Cap, Debt/Equity. Debt-to-equity of 1.53 is elevated, increasing financial risk.

Key Dynamics to Monitor

PGY carries more volatility with a beta of 5.37 — expect wider price swings.

NVDA is growing revenue faster at 105.9% — sustainability is the question.

NVDA generates stronger free cash flow (21.4B), providing more financial flexibility.

Monitor SEMICONDUCTORS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

NVDA scores higher overall (80/100 vs 68/100), backed by strong 63.7% margins and 105.9% revenue growth. Both earn "Exceptional 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.

NVIDIA Corporation

TECHNOLOGY · SEMICONDUCTORS · USA

Nvidia Corporation is an American multinational technology company incorporated in Delaware and based in Santa Clara, California. It designs graphics processing units (GPUs) for the gaming and professional markets, as well as system on a chip units (SoCs) for the mobile computing and automotive market.

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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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