PAGAYA TECHNOLOGIES LTD -A (PGY) Stock Fundamental Analysis
USA - NASDAQ:PGY - IL0011858912 - Common Stock
23.39 USD
-2.2 (-8.6%)
22.71 USD
-0.68 (-2.91%)
Overall PGY gets a fundamental rating of 3 out of 10. We evaluated PGY against 284 industry peers in the Software industry. PGY has a bad profitability rating. Also its financial health evaluation is rather negative. PGY is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year PGY has reported negative net income.
In the past year PGY had a positive cash flow from operations.
In the past 5 years PGY reported 4 times negative net income.
Of the past 5 years PGY 4 years had a positive operating cash flow.
1.2 Ratios
PGY has a Return On Assets of -20.18%. This is in the lower half of the industry: PGY underperforms 71.48% of its industry peers.
The Return On Equity of PGY (-64.03%) is worse than 72.89% of its industry peers.
Looking at the Return On Invested Capital, with a value of 10.92%, PGY belongs to the top of the industry, outperforming 86.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -20.18% | ||
| ROE | -64.03% | ||
| ROIC | 10.92% |
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 has a Operating Margin of 13.73%. This is in the better half of the industry: PGY outperforms 79.23% of its industry peers.
With a Gross Margin value of 42.26%, PGY is not doing good in the industry: 72.54% of the companies in the same industry are doing better.
PGY's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.73% | ||
| PM (TTM) | N/A | ||
| GM | 42.26% |
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PGY is still creating some value.
PGY has more shares outstanding than it did 1 year ago.
The debt/assets ratio for PGY is higher compared to a year ago.
2.2 Solvency
PGY has an Altman-Z score of 1.49. 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 (1.49) which is comparable to the rest of the industry.
The Debt to FCF ratio of PGY is 7.20, which is on the high side as it means it would take PGY, 7.20 years of fcf income to pay off all of its debts.
PGY has a Debt to FCF ratio of 7.20. This is comparable to the rest of the industry: PGY outperforms 53.87% of its industry peers.
PGY has a Debt/Equity ratio of 1.23. This is a high value indicating a heavy dependency on external financing.
PGY's Debt to Equity ratio of 1.23 is on the low side compared to the rest of the industry. PGY is outperformed by 76.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | 7.2 | ||
| Altman-Z | 1.49 |
ROIC/WACC1.26
WACC8.66%
2.3 Liquidity
PGY has a Current Ratio of 1.42. This is a normal value and indicates that PGY is financially healthy and should not expect problems in meeting its short term obligations.
PGY has a Current ratio of 1.42. This is comparable to the rest of the industry: PGY outperforms 46.13% of its industry peers.
A Quick Ratio of 1.42 indicates that PGY should not have too much problems paying its short term obligations.
PGY has a Quick ratio of 1.42. This is comparable to the rest of the industry: PGY outperforms 46.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 |
3. Growth
3.1 Past
The earnings per share for PGY have decreased strongly by -64.47% in the last year.
The Revenue has grown by 24.59% in the past year. This is a very strong growth!
The Revenue has been growing by 29.57% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-64.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%119.23%
Revenue 1Y (TTM)24.59%
Revenue growth 3Y29.57%
Revenue growth 5YN/A
Sales Q2Q%30.38%
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 34.06% on average per year.
The Revenue is expected to grow by 18.62% on average over the next years. This is quite good.
EPS Next Y113.92%
EPS Next 2Y51.72%
EPS Next 3Y34.06%
EPS Next 5YN/A
Revenue Next Year28.31%
Revenue Next 2Y22.12%
Revenue Next 3Y18.62%
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
The Price/Earnings Ratio is negative for PGY. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 14.09, which indicates a correct valuation of PGY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PGY indicates a rather cheap valuation: PGY is cheaper than 83.10% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of PGY to the average of the S&P500 Index (31.86), we can say PGY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 14.09 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PGY is valued cheaper than 86.97% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PGY is valued cheaply inside the industry as 82.75% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.73 | ||
| EV/EBITDA | 12.36 |
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 34.06% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y51.72%
EPS Next 3Y34.06%
5. Dividend
5.1 Amount
PGY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
23.39
-2.2 (-8.6%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners65.42%
Inst Owner Change0%
Ins Owners2.03%
Ins Owner Change-35.32%
Market Cap1.79B
Revenue(TTM)1.15B
Net Income(TTM)-282.36M
Analysts84.29
Price Target41.31 (76.61%)
Short Float %21.09%
Short Ratio2.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)68.52%
Min EPS beat(2)-6.37%
Max EPS beat(2)143.41%
EPS beat(4)1
Avg EPS beat(4)-375.17%
Min EPS beat(4)-1261.55%
Max EPS beat(4)143.41%
EPS beat(8)1
Avg EPS beat(8)-1299.72%
EPS beat(12)2
Avg EPS beat(12)-907.01%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)1.62%
Min Revenue beat(2)0.72%
Max Revenue beat(2)2.51%
Revenue beat(4)4
Avg Revenue beat(4)1.69%
Min Revenue beat(4)0.58%
Max Revenue beat(4)2.96%
Revenue beat(8)7
Avg Revenue beat(8)1.83%
Revenue beat(12)11
Avg Revenue beat(12)4.16%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)65.81%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.92%
EPS NY rev (1m)0%
EPS NY rev (3m)-67.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 14.09 | ||
| P/S | 1.55 | ||
| P/FCF | 17.73 | ||
| P/OCF | 14.65 | ||
| P/B | 4.06 | ||
| P/tB | 4.4 | ||
| EV/EBITDA | 12.36 |
EPS(TTM)-3.24
EYN/A
EPS(NY)1.66
Fwd EY7.1%
FCF(TTM)1.32
FCFY5.64%
OCF(TTM)1.6
OCFY6.83%
SpS15.05
BVpS5.76
TBVpS5.32
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -20.18% | ||
| ROE | -64.03% | ||
| ROCE | 13.83% | ||
| ROIC | 10.92% | ||
| ROICexc | 13% | ||
| ROICexgc | 13.47% | ||
| OM | 13.73% | ||
| PM (TTM) | N/A | ||
| GM | 42.26% | ||
| FCFM | 8.76% |
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-Score4
Asset Turnover0.82
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.23 | ||
| Debt/FCF | 7.2 | ||
| Debt/EBITDA | 2.88 | ||
| Cap/Depr | 69.32% | ||
| Cap/Sales | 1.85% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 64.73% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.42 | ||
| Quick Ratio | 1.42 | ||
| Altman-Z | 1.49 |
F-Score4
WACC8.66%
ROIC/WACC1.26
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)-64.47%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%119.23%
EPS Next Y113.92%
EPS Next 2Y51.72%
EPS Next 3Y34.06%
EPS Next 5YN/A
Revenue 1Y (TTM)24.59%
Revenue growth 3Y29.57%
Revenue growth 5YN/A
Sales Q2Q%30.38%
Revenue Next Year28.31%
Revenue Next 2Y22.12%
Revenue Next 3Y18.62%
Revenue Next 5YN/A
EBIT growth 1Y572.63%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year534.68%
EBIT Next 3Y107.6%
EBIT Next 5YN/A
FCF growth 1Y242.09%
FCF growth 3Y0.07%
FCF growth 5YN/A
OCF growth 1Y406.81%
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 3 / 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 2 / 10.