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LSPD vs PGY

LSPD
Lightspeed Commerce Inc.
NEUTRAL
Price
$9.06
Market Cap
$1.24B
Sector
Technology
AI Confidence
75%
PGY
Pagaya Technologies Ltd.
NEUTRAL
Price
$14.71
Market Cap
$1.21B
Sector
Technology
AI Confidence
80%

Valuation

P/E Ratio
LSPD
--
PGY
15.82
Forward P/E
LSPD
13.43
PGY
4.39
P/B Ratio
LSPD
0.83
PGY
2.51
P/S Ratio
LSPD
1.05
PGY
0.93
EV/EBITDA
LSPD
-28.69
PGY
3.69

Profitability

Gross Margin
LSPD
42.84%
PGY
42.43%
Operating Margin
LSPD
-10.95%
PGY
23.81%
Profit Margin
LSPD
-58.15%
PGY
6.25%
ROE
LSPD
-36.21%
PGY
12.96%
ROA
LSPD
-3.8%
PGY
11.62%

Growth

Revenue Growth
LSPD
11.5%
PGY
19.8%
Earnings Growth
LSPD
--
PGY
--

Financial Health

Debt/Equity
LSPD
0.01
PGY
1.47
Current Ratio
LSPD
4.52
PGY
13.11
Quick Ratio
LSPD
3.48
PGY
12.55

Dividends

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

AI Verdict

LSPD NEUTRAL

LSPD presents a classic 'value trap' vs. 'deep value' scenario, anchored by a stable Piotroski F-Score of 6/9 and a pristine balance sheet. While the company is trading at a significant discount to book value (P/B 0.83) and has negligible debt (D/E 0.01), it continues to struggle with severe net profit margins (-58.15%). The transition toward positive EPS is evident in the earnings track record, but the technical trend remains aggressively bearish. Overall, the financial health is strong, but the lack of profitability and momentum prevents a bullish rating.

Strengths
Extremely low leverage with a Debt/Equity ratio of 0.01
Strong liquidity position with a Current Ratio of 4.52
Trading below book value (P/B 0.83), suggesting potential undervaluation
Risks
Severe negative net profit margins (-58.15%) indicating inefficient monetization
Strongly bearish technical trend (0/100) and poor long-term price performance (-87% over 5Y)
Modest revenue growth (11.5%) which may be insufficient to scale out of losses quickly
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

LSPD vs PGY: Head-to-Head Comparison

This page compares Lightspeed Commerce Inc. (LSPD) 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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