Pagaya Technologies Ltd. (PGY)vsTaiwan Semiconductor Manufacturing (TSM)
PGY
Pagaya Technologies Ltd.
$17.80
-1.82%
TECHNOLOGY · Cap: $1.74B
TSM
Taiwan Semiconductor Manufacturing
$398.63
+1.55%
TECHNOLOGY · Cap: $2.27T
Smart Verdict
WallStSmart Research — data-driven comparison
Taiwan Semiconductor Manufacturing generates 355653% more annual revenue ($4.94T vs $1.39B). TSM leads profitability with a 51.1% profit margin vs 9.1%. PGY appears more attractively valued with a PEG of 0.04. TSM earns a higher WallStSmart Score of 86/100 (A).
PGY
Strong Buy71
out of 100
Grade: B
TSM
Exceptional Buy86
out of 100
Grade: A
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+2.5%
Fair Value
$13.20
Current Price
$17.80
$4.60 discount
Margin of Safety
+55.1%
Fair Value
$979.05
Current Price
$398.63
$580.42 discount
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
Strong operational efficiency at 27.3%
18.6% revenue growth
Mega-cap, among the largest globally
Every $100 of equity generates 37 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 58.7%
Revenue surging 50.9% year-over-year
Earnings expanding 68.7% YoY
Areas to Watch
Distress zone — elevated risk
Smaller company, higher risk/reward
Elevated debt levels
Moderate valuation
Trading at 76.1x 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 : TSM
The strongest argument for TSM centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.1% and operating margin at 58.7%. Revenue growth of 50.9% 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 : TSM
The primary concerns for TSM are P/E Ratio, Price/Book.
Key Dynamics to Monitor
PGY carries more volatility with a beta of 5.52 — expect wider price swings.
TSM is growing revenue faster at 50.9% — sustainability is the question.
TSM generates stronger free cash flow (510.1B), providing more financial flexibility.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
TSM scores higher overall (86/100 vs 71/100), backed by strong 51.1% margins and 50.9% 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.
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.
Taiwan Semiconductor Manufacturing
TECHNOLOGY · SEMICONDUCTORS · USA
Taiwan Semiconductor Manufacturing Company, Limited is a Taiwanese multinational semiconductor contract manufacturing and design company. It is one of Taiwan's largest companies, the world's most valuable semiconductor company, and the world's largest dedicated independent (pure-play) semiconductor foundry, with its headquarters and main operations located in the Hsinchu Science Park in Hsinchu, Taiwan. It is majority owned by foreign investors.
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