Pagaya Technologies (NASDAQ: PGY – Get a rating) and Synchrony Financial (NYSE: SYF – Get a rating) are both business services companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, analyst recommendations, profitability, earnings, dividends and risk.
Volatility and risk
Pagaya Technologies has a beta of 12.64, which means its stock price is 1,164% more volatile than the S&P 500. In comparison, Synchrony Financial has a beta of 1.57, which means its stock price is 57 % more volatile than the S&P 500.
Valuation and benefits
This table compares the gross revenue, earnings per share (EPS), and valuation of Pagaya Technologies and Synchrony Financial.
|Gross revenue||Price/sales ratio||Net revenue||Earnings per share||Price/earnings ratio|
|Pagaya Technologies||$474.59 million||2.23||-91.15 million dollars||N / A||N / A|
|Synchrony Financial||$15.75 billion||1.03||$4.22 billion||$6.85||4.93|
Synchrony Financial has higher revenue and profit than Pagaya Technologies.
This is a summary of the current ratings of Pagaya Technologies and Synchrony Financial, as reported by MarketBeat.
|Sales Ratings||Hold odds||Buy reviews||Strong buy odds||Rating|
|Pagaya Technologies||0||0||0||0||N / A|
Synchrony Financial has a consensus price target of $44.88, suggesting a potential upside of 33.00%. Given Synchrony Financial’s likely higher upside, analysts clearly believe that Synchrony Financial is more favorable than Pagaya Technologies.
This table compares the net margins, return on equity and return on assets of Pagaya Technologies and Synchrony Financial.
|Net margins||Return on equity||return on assets|
|Pagaya Technologies||N / A||-252.79%||-19.65%|
Insider and Institutional Ownership
70.8% of Pagaya Technologies shares are held by institutional investors. By comparison, 98.3% of Synchrony Financial’s shares are held by institutional investors. 0.6% of Synchrony Financial shares are held by insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a company is poised for long-term growth.
Synchrony Financial beats Pagaya Technologies on 9 out of 11 factors compared between the two stocks.
About Pagaya Technologies
Pagaya Technologies Ltd. operates as a fintech company in Israel, the United States and the Cayman Islands. It develops and implements proprietary artificial intelligence technology and related software solutions to help partners create loans and other assets. Its partners include high-growth fintech companies, incumbent financial institutions, auto finance providers and brokers. The company was founded in 2016 and is headquartered in Tel Aviv, Israel.
About Synchrony Financial
Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products and consumer installment loans. The company also offers private label credit cards, dual cards, co-branded and general purpose credit cards, short and long term installment loans and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, and savings accounts for retail and commercial customers, as well as deposits through brokerage firms in third-party securities. Additionally, it provides debt cancellation products to its credit card customers through online, mobile and direct mail; healthcare payment and financing solutions under the CareCredit, Pets Best and Walgreens brands; payment and financing solutions in the apparel, specialty retail, outdoor, music and luxury industries; and point-of-sale consumer financing for audiology products and dental services. The Company offers its credit products through established programs with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, automotive, powersports, jewelry, pets, and other industries. Synchrony Financial was founded in 1932 and is headquartered in Stamford, Connecticut.
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