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MSFT vs PGY

MSFT
Microsoft Corporation
BULLISH
Price
$374.33
Market Cap
$2.78T
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
MSFT
23.42
PGY
15.82
Forward P/E
MSFT
19.86
PGY
4.39
P/B Ratio
MSFT
7.11
PGY
2.51
P/S Ratio
MSFT
9.11
PGY
0.93
EV/EBITDA
MSFT
16.05
PGY
3.69

Profitability

Gross Margin
MSFT
68.59%
PGY
42.43%
Operating Margin
MSFT
47.09%
PGY
23.81%
Profit Margin
MSFT
39.04%
PGY
6.25%
ROE
MSFT
34.39%
PGY
12.96%
ROA
MSFT
14.86%
PGY
11.62%

Growth

Revenue Growth
MSFT
16.7%
PGY
19.8%
Earnings Growth
MSFT
59.8%
PGY
--

Financial Health

Debt/Equity
MSFT
0.32
PGY
1.47
Current Ratio
MSFT
1.39
PGY
13.11
Quick Ratio
MSFT
1.24
PGY
12.55

Dividends

Dividend Yield
MSFT
0.97%
PGY
--
Payout Ratio
MSFT
21.28%
PGY
0.0%

AI Verdict

MSFT BULLISH

Microsoft exhibits strong fundamental health with a Piotroski F-Score of 7/9, indicating robust financial stability. While the stock is currently experiencing a severe technical downtrend (0/100) and significant 6-month price depreciation (-28.6%), the current price of $374.33 sits well below the growth-based intrinsic value of $471.41 and the analyst target of $587.31. Exceptional earnings growth (59.8% YoY) and high operating margins (47.09%) suggest that the current price correction presents a value opportunity despite bearish insider sentiment.

Strengths
Strong financial health evidenced by a Piotroski F-Score of 7/9
Exceptional profitability with a 39.04% profit margin and 47.09% operating margin
Robust earnings growth (59.8% YoY) and consistent history of beating estimates
Risks
Severe short-term technical bearishness (0/100 trend score)
Bearish insider activity with $32.64M in net sales over the last 6 months
High Price-to-Book ratio (7.11) indicating a premium over book value
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

MSFT vs PGY: Head-to-Head Comparison

This page compares Microsoft Corporation (MSFT) 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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