Pagaya Technologies Ltd. (PGY)vsPalantir Technologies Inc. (PLTR)
PGY
Pagaya Technologies Ltd.
$14.56
-5.82%
TECHNOLOGY · Cap: $1.25B
PLTR
Palantir Technologies Inc.
$141.70
+5.25%
TECHNOLOGY · Cap: $364.80B
Smart Verdict
WallStSmart Research — data-driven comparison
Palantir Technologies Inc. generates 293% more annual revenue ($5.22B vs $1.33B). PLTR leads profitability with a 43.7% profit margin vs 7.4%. PGY appears more attractively valued with a PEG of 0.04. PLTR earns a higher WallStSmart Score of 73/100 (B).
PGY
Strong Buy73
out of 100
Grade: B
PLTR
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+1.4%
Fair Value
$13.06
Current Price
$14.56
$1.50 discount
Margin of Safety
-78.1%
Fair Value
$76.08
Current Price
$141.70
$65.62 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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%
Mega-cap, among the largest globally
Keeps 44 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Revenue surging 84.7% year-over-year
Earnings expanding 325.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Smaller company, higher risk/reward
7.4% margin — thin
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
Premium valuation, high expectations priced in
Trading at 40.1x book value
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PLTR
The strongest argument for PLTR centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 43.7% and operating margin at 46.2%. Revenue growth of 84.7% demonstrates continued momentum.
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.
Bear Case : PLTR
The primary concerns for PLTR are PEG Ratio, P/E Ratio, Price/Book. A P/E of 172.9x leaves little room for execution misses.
Key Dynamics to Monitor
PGY profiles as a value stock while PLTR is a growth play — different risk/reward profiles.
PGY carries more volatility with a beta of 5.44 — expect wider price swings.
PLTR is growing revenue faster at 84.7% — sustainability is the question.
PLTR generates stronger free cash flow (892M), providing more financial flexibility.
Bottom Line
PGY scores higher overall (73/100 vs 73/100). 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.
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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