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INOD vs PGY

INOD
Innodata Inc.
BEARISH
Price
$35.58
Market Cap
$1.16B
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
INOD
38.67
PGY
15.82
Forward P/E
INOD
20.51
PGY
4.39
P/B Ratio
INOD
10.74
PGY
2.51
P/S Ratio
INOD
4.61
PGY
0.93
EV/EBITDA
INOD
25.3
PGY
3.69

Profitability

Gross Margin
INOD
40.15%
PGY
42.43%
Operating Margin
INOD
15.1%
PGY
23.81%
Profit Margin
INOD
12.79%
PGY
6.25%
ROE
INOD
37.76%
PGY
12.96%
ROA
INOD
17.67%
PGY
11.62%

Growth

Revenue Growth
INOD
22.3%
PGY
19.8%
Earnings Growth
INOD
-19.4%
PGY
--

Financial Health

Debt/Equity
INOD
0.04
PGY
1.47
Current Ratio
INOD
2.68
PGY
13.11
Quick Ratio
INOD
2.55
PGY
12.55

Dividends

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

AI Verdict

INOD BEARISH

INOD presents a stark contrast between a clean balance sheet and severe valuation and technical deterioration. With a Piotroski F-Score of 4/9 (Stable) and a Graham Number of $8.28, the stock is trading at a massive premium to its deterministic fair value. While the company maintains a very low debt-to-equity ratio (0.04) and strong ROE (37.76%), these are offset by negative earnings growth (-19.4% YoY) and a catastrophic 6-month price decline of 57.3%. The disconnect between the analyst target price ($91.25) and the current price action suggests a significant market correction is underway.

Strengths
Extremely low leverage (Debt/Equity: 0.04)
Strong liquidity position (Current Ratio: 2.68)
High Return on Equity (ROE: 37.76%)
Risks
Severe valuation gap (Price $35.58 vs Graham Number $8.28)
Negative earnings growth (-19.4% YoY)
Heavy insider selling ($16M in the last 6 months)
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

INOD vs PGY: Head-to-Head Comparison

This page compares Innodata Inc. (INOD) 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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