21.845 USD
-0.89 (-3.94%)
21.63 USD
-0.21 (-0.98%)
We assign a fundamental rating of 4 out of 10 to PGY. PGY was compared to 276 industry peers in the Software industry. The financial health of PGY is average, but there are quite some concerns on its profitability. PGY is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
PGY had negative earnings in the past year.
PGY had a positive operating cash flow in the past year.
PGY had negative earnings in 4 of the past 5 years.
PGY had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
PGY has a Return On Assets of -13.30%. This is in the lower half of the industry: PGY underperforms 68.35% of its industry peers.
With a Return On Equity value of -41.33%, PGY is not doing good in the industry: 67.63% of the companies in the same industry are doing better.
The Return On Invested Capital of PGY (12.17%) is better than 88.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -13.3% | ||
| ROE | -41.33% | ||
| ROIC | 12.17% |
ROA(3y)-23.94%
ROA(5y)-18.43%
ROE(3y)-59.08%
ROE(5y)-43.26%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PGY's Operating Margin of 17.32% is amongst the best of the industry. PGY outperforms 83.81% of its industry peers.
With a Gross Margin value of 42.43%, PGY is not doing good in the industry: 74.46% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of PGY has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.32% | ||
| PM (TTM) | N/A | ||
| GM | 42.43% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.22%
GM growth 5YN/A
2. Health
2.1 Basic Checks
PGY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
PGY has more shares outstanding than it did 1 year ago.
PGY has a worse debt/assets ratio than last year.
2.2 Solvency
PGY has an Altman-Z score of 1.69. This is a bad value and indicates that PGY is not financially healthy and even has some risk of bankruptcy.
PGY has a Altman-Z score (1.69) which is comparable to the rest of the industry.
The Debt to FCF ratio of PGY is 4.50, which is a neutral value as it means it would take PGY, 4.50 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.50, PGY is in line with its industry, outperforming 59.35% of the companies in the same industry.
PGY has a Debt/Equity ratio of 1.64. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.64, PGY is doing worse than 81.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | 4.5 | ||
| Altman-Z | 1.69 |
ROIC/WACC1.39
WACC8.77%
2.3 Liquidity
PGY has a Current Ratio of 4.07. This indicates that PGY is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 4.07, PGY belongs to the top of the industry, outperforming 82.73% of the companies in the same industry.
A Quick Ratio of 4.07 indicates that PGY has no problem at all paying its short term obligations.
PGY has a Quick ratio of 4.07. This is amongst the best in the industry. PGY outperforms 82.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.07 | ||
| Quick Ratio | 4.07 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 18.11% over the past year.
The Revenue has grown by 28.33% in the past year. This is a very strong growth!
PGY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.57% yearly.
EPS 1Y (TTM)18.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%124.73%
Revenue 1Y (TTM)28.33%
Revenue growth 3Y29.57%
Revenue growth 5YN/A
Sales Q2Q%36.13%
3.2 Future
Based on estimates for the next years, PGY will show a very strong growth in Earnings Per Share. The EPS will grow by 34.58% on average per year.
The Revenue is expected to grow by 20.48% on average over the next years. This is a very strong growth
EPS Next Y116.16%
EPS Next 2Y51.17%
EPS Next 3Y34.58%
EPS Next 5YN/A
Revenue Next Year29.28%
Revenue Next 2Y23.11%
Revenue Next 3Y20.48%
Revenue Next 5YN/A
3.3 Evolution
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
PGY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
The Price/Forward Earnings ratio is 13.92, which indicates a correct valuation of PGY.
Based on the Price/Forward Earnings ratio, PGY is valued cheaper than 83.09% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.46. PGY is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.92 |
4.2 Price Multiples
PGY's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PGY is cheaper than 89.93% of the companies in the same industry.
PGY's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PGY is cheaper than 91.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.3 | ||
| EV/EBITDA | 9.33 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PGY's earnings are expected to grow with 34.58% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y51.17%
EPS Next 3Y34.58%
5. Dividend
5.1 Amount
No dividends for PGY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
21.845
-0.89 (-3.94%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners61.36%
Inst Owner Change-96.64%
Ins Owners2.3%
Ins Owner Change5.08%
Market Cap1.76B
Revenue(TTM)1.25B
Net Income(TTM)-193.59M
Analysts84.29
Price Target41.62 (90.52%)
Short Float %20.65%
Short Ratio3.09
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)9.53%
Min EPS beat(2)-6.37%
Max EPS beat(2)25.43%
EPS beat(4)2
Avg EPS beat(4)-274.77%
Min EPS beat(4)-1261.55%
Max EPS beat(4)143.41%
EPS beat(8)2
Avg EPS beat(8)-1451.32%
EPS beat(12)3
Avg EPS beat(12)-989.99%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.4%
Min Revenue beat(2)2.29%
Max Revenue beat(2)2.51%
Revenue beat(4)4
Avg Revenue beat(4)2.12%
Min Revenue beat(4)0.72%
Max Revenue beat(4)2.96%
Revenue beat(8)7
Avg Revenue beat(8)1.4%
Revenue beat(12)11
Avg Revenue beat(12)3.32%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)15.09%
EPS NY rev (1m)15.79%
EPS NY rev (3m)16.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)0.68%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 13.92 | ||
| P/S | 1.41 | ||
| P/FCF | 10.3 | ||
| P/OCF | 9.2 | ||
| P/B | 3.75 | ||
| P/tB | 4.02 | ||
| EV/EBITDA | 9.33 |
EPS(TTM)-2.08
EYN/A
EPS(NY)1.57
Fwd EY7.18%
FCF(TTM)2.12
FCFY9.71%
OCF(TTM)2.37
OCFY10.87%
SpS15.5
BVpS5.83
TBVpS5.43
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -13.3% | ||
| ROE | -41.33% | ||
| ROCE | 15.4% | ||
| ROIC | 12.17% | ||
| ROICexc | 14.41% | ||
| ROICexgc | 14.81% | ||
| OM | 17.32% | ||
| PM (TTM) | N/A | ||
| GM | 42.43% | ||
| FCFM | 13.69% |
ROA(3y)-23.94%
ROA(5y)-18.43%
ROE(3y)-59.08%
ROE(5y)-43.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-6.22%
GM growth 5YN/A
F-Score5
Asset Turnover0.86
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | 4.5 | ||
| Debt/EBITDA | 3.11 | ||
| Cap/Depr | 64.98% | ||
| Cap/Sales | 1.63% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 77.26% | ||
| Profit Quality | N/A | ||
| Current Ratio | 4.07 | ||
| Quick Ratio | 4.07 | ||
| Altman-Z | 1.69 |
F-Score5
WACC8.77%
ROIC/WACC1.39
Cap/Depr(3y)180.79%
Cap/Depr(5y)346.68%
Cap/Sales(3y)2.58%
Cap/Sales(5y)2.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%124.73%
EPS Next Y116.16%
EPS Next 2Y51.17%
EPS Next 3Y34.58%
EPS Next 5YN/A
Revenue 1Y (TTM)28.33%
Revenue growth 3Y29.57%
Revenue growth 5YN/A
Sales Q2Q%36.13%
Revenue Next Year29.28%
Revenue Next 2Y23.11%
Revenue Next 3Y20.48%
Revenue Next 5YN/A
EBIT growth 1Y371.78%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year570.74%
EBIT Next 3Y112.01%
EBIT Next 5YN/A
FCF growth 1Y647%
FCF growth 3Y0.07%
FCF growth 5YN/A
OCF growth 1Y1761.03%
OCF growth 3Y10.12%
OCF growth 5YN/A
PAGAYA TECHNOLOGIES LTD -A / PGY FAQ
What is the ChartMill fundamental rating of PAGAYA TECHNOLOGIES LTD -A (PGY) stock?
ChartMill assigns a fundamental rating of 4 / 10 to PGY.
What is the valuation status for PGY stock?
ChartMill assigns a valuation rating of 6 / 10 to PAGAYA TECHNOLOGIES LTD -A (PGY). This can be considered as Fairly Valued.
Can you provide the profitability details for PAGAYA TECHNOLOGIES LTD -A?
PAGAYA TECHNOLOGIES LTD -A (PGY) has a profitability rating of 2 / 10.
Can you provide the financial health for PGY stock?
The financial health rating of PAGAYA TECHNOLOGIES LTD -A (PGY) is 4 / 10.