Pagaya Technologies Ltd. (PGY)vsPalantir Technologies Inc. (PLTR)
PGY
Pagaya Technologies Ltd.
$19.97
-1.63%
TECHNOLOGY · Cap: $1.80B
PLTR
Palantir Technologies Inc.
$167.23
+3.64%
TECHNOLOGY · Cap: $401.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Palantir Technologies Inc. generates 343% more annual revenue ($6.16B vs $1.39B). PLTR leads profitability with a 49.0% profit margin vs 9.1%. PGY appears more attractively valued with a PEG of 0.04. PLTR earns a higher WallStSmart Score of 75/100 (B).
PGY
Strong Buy68
out of 100
Grade: B-
PLTR
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+3.3%
Fair Value
$13.31
Current Price
$19.97
$6.66 discount
Margin of Safety
-83.0%
Fair Value
$91.40
Current Price
$167.23
$75.83 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 143.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 27.3%
18.6% revenue growth
Mega-cap, among the largest globally
Every $100 of equity generates 31 in profit
Keeps 49 of every $100 in revenue as profit
Strong operational efficiency at 47.1%
Revenue surging 92.8% year-over-year
Earnings expanding 215.4% YoY
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 41.1x book value
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PLTR
The strongest argument for PLTR centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 49.0% and operating margin at 47.1%. Revenue growth of 92.8% demonstrates continued momentum.
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.
Bear Case : PLTR
The primary concerns for PLTR are PEG Ratio, P/E Ratio, Price/Book. A P/E of 141.7x leaves little room for execution misses.
Key Dynamics to Monitor
PGY carries more volatility with a beta of 5.37 — expect wider price swings.
PLTR is growing revenue faster at 92.8% — sustainability is the question.
PLTR generates stronger free cash flow (1.2B), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PLTR scores higher overall (75/100 vs 68/100), backed by strong 49.0% margins and 92.8% 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.
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.
Palantir Technologies Inc.
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Palantir Technologies Inc. creates and implements software platforms for the intelligence community in the United States to assist in counterterrorism investigations and operations. The company is headquartered in Denver, Colorado.
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