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CXM vs PGY

CXM
Sprinklr, Inc.
BEARISH
Price
$5.02
Market Cap
$1.25B
Sector
Technology
AI Confidence
85%
PGY
Pagaya Technologies Ltd.
NEUTRAL
Price
$14.71
Market Cap
$1.21B
Sector
Technology
AI Confidence
80%

Valuation

P/E Ratio
CXM
55.78
PGY
15.82
Forward P/E
CXM
9.27
PGY
4.39
P/B Ratio
CXM
2.11
PGY
2.51
P/S Ratio
CXM
1.46
PGY
0.93
EV/EBITDA
CXM
12.85
PGY
3.69

Profitability

Gross Margin
CXM
67.4%
PGY
42.43%
Operating Margin
CXM
6.84%
PGY
23.81%
Profit Margin
CXM
2.67%
PGY
6.25%
ROE
CXM
3.8%
PGY
12.96%
ROA
CXM
2.98%
PGY
11.62%

Growth

Revenue Growth
CXM
8.9%
PGY
19.8%
Earnings Growth
CXM
-90.2%
PGY
--

Financial Health

Debt/Equity
CXM
0.08
PGY
1.47
Current Ratio
CXM
1.6
PGY
13.11
Quick Ratio
CXM
1.43
PGY
12.55

Dividends

Dividend Yield
CXM
--
PGY
--
Payout Ratio
CXM
0.0%
PGY
0.0%

AI Verdict

CXM BEARISH

CXM exhibits a stable but mediocre financial health profile with a Piotroski F-Score of 4/9 and no Altman Z-Score provided. Despite consistent earnings beats and a clean balance sheet (Debt/Equity 0.08), the stock is trading at a significant premium to its Graham Number ($2.20) and Intrinsic Value ($0.63). Severe price erosion across all timeframes, combined with aggressive insider selling and a -90% YoY earnings collapse, outweighs the optimistic forward P/E and PEG ratio.

Strengths
Very low leverage with a Debt/Equity ratio of 0.08
Strong Gross Margins at 67.40%
Consistent track record of beating quarterly earnings estimates
Risks
Severe negative YoY earnings growth (-90.20%)
Strong bearish insider sentiment with 11 sales and 0 buys
Significant disconnect between current price ($5.02) and deterministic fair values
PGY NEUTRAL

PGY presents a stark contrast between aggressive growth metrics and weak deterministic health. With a Piotroski F-Score of 4/9 and an intrinsic value of $6.51, the stock currently trades at a significant premium to its fundamental baseline despite an exceptionally low PEG ratio of 0.04. While analysts maintain a 'strong_buy' rating with a target of $26.45, the combination of heavy insider selling and a bearish technical trend suggests a high-risk profile. The company's extreme liquidity (Current Ratio 13.11) provides a safety net, but historical earnings volatility remains a primary concern.

Strengths
Extremely low PEG ratio (0.04) suggesting massive undervaluation relative to growth
Very attractive Forward P/E of 4.39
Exceptional short-term liquidity with a Current Ratio of 13.11
Risks
Significant gap between current price ($14.71) and Intrinsic Value ($6.51)
Bearish insider sentiment with 11 sell transactions and 0 buys
High Debt/Equity ratio of 1.47

Compare Another Pair

CXM vs PGY: Head-to-Head Comparison

This page compares Sprinklr, Inc. (CXM) and Pagaya Technologies Ltd. (PGY) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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