Pagaya Technologies Ltd. (PGY)vsZepp Health Corp (ZEPP)
PGY
Pagaya Technologies Ltd.
$12.92
-4.12%
TECHNOLOGY · Cap: $1.07B
ZEPP
Zepp Health Corp
$17.47
+4.55%
TECHNOLOGY · Cap: $247.54M
Smart Verdict
WallStSmart Research — data-driven comparison
Pagaya Technologies Ltd. generates 403% more annual revenue ($1.30B vs $258.90M). PGY leads profitability with a 6.3% profit margin vs -15.5%. PGY earns a higher WallStSmart Score of 65/100 (C+).
PGY
Buy65
out of 100
Grade: C+
ZEPP
Hold41
out of 100
Grade: D
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+76.8%
Fair Value
$55.51
Current Price
$12.91
$42.59 discount
Margin of Safety
+48.6%
Fair Value
$46.70
Current Price
$17.47
$29.23 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 23.8%
19.8% revenue growth
Reasonable price relative to book value
Revenue surging 43.0% year-over-year
Areas to Watch
0.0% earnings growth
Smaller company, higher risk/reward
6.3% margin — thin
Elevated debt levels
Smaller company, higher risk/reward
ROE of -17.2% — below average capital efficiency
Earnings declined 68.1%
Currently unprofitable
Comparative Analysis Report
WallStSmart ResearchBull Case : PGY
The strongest argument for PGY centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 19.8% demonstrates continued momentum. PEG of 0.04 suggests the stock is reasonably priced for its growth.
Bull Case : ZEPP
The strongest argument for ZEPP centers on Price/Book, Revenue Growth. Revenue growth of 43.0% demonstrates continued momentum.
Bear Case : PGY
The primary concerns for PGY are EPS Growth, Market Cap, Profit Margin. Debt-to-equity of 1.71 is elevated, increasing financial risk.
Bear Case : ZEPP
The primary concerns for ZEPP are Market Cap, Return on Equity, EPS Growth.
Key Dynamics to Monitor
PGY profiles as a growth stock while ZEPP is a hypergrowth play — different risk/reward profiles.
PGY carries more volatility with a beta of 5.76 — expect wider price swings.
ZEPP is growing revenue faster at 43.0% — sustainability is the question.
Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PGY scores higher overall (65/100 vs 41/100) and 19.8% revenue growth. ZEPP offers better value entry with a 48.6% margin of safety. Both earn "Buy" and "Hold" 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.
Zepp Health Corp
TECHNOLOGY · CONSUMER ELECTRONICS · China
Zepp Health Corporation, an activity and biometric data-driven company, develops, manufactures and sells smart wearable technology devices in the People's Republic of China. The company is headquartered in Hefei, the People's Republic of China.
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