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PGY vs SHLS

PGY
Pagaya Technologies Ltd.
NEUTRAL
Price
$14.71
Market Cap
$1.21B
Sector
Technology
AI Confidence
80%
SHLS
Shoals Technologies Group, Inc.
NEUTRAL
Price
$7.16
Market Cap
$1.2B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
PGY
15.82
SHLS
35.8
Forward P/E
PGY
4.39
SHLS
14.17
P/B Ratio
PGY
2.51
SHLS
2.0
P/S Ratio
PGY
0.93
SHLS
2.53
EV/EBITDA
PGY
3.69
SHLS
15.47

Profitability

Gross Margin
PGY
42.43%
SHLS
35.03%
Operating Margin
PGY
23.81%
SHLS
16.07%
Profit Margin
PGY
6.25%
SHLS
7.06%
ROE
PGY
12.96%
SHLS
5.8%
ROA
PGY
11.62%
SHLS
5.5%

Growth

Revenue Growth
PGY
19.8%
SHLS
38.6%
Earnings Growth
PGY
--
SHLS
21.0%

Financial Health

Debt/Equity
PGY
1.47
SHLS
0.3
Current Ratio
PGY
13.11
SHLS
2.02
Quick Ratio
PGY
12.55
SHLS
1.24

Dividends

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

AI Verdict

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
SHLS NEUTRAL

SHLS exhibits a concerning fundamental health profile with a Piotroski F-Score of 3/9, indicating weak financial strength. While the company shows impressive top-line growth (38.6% YoY) and an attractive PEG ratio of 0.70, the current price of $7.16 trades at a premium to both its Graham Number ($4.02) and Intrinsic Value ($5.90). The disconnect between strong growth metrics and a deteriorating health score, coupled with consistent earnings misses in recent quarters, suggests a high-risk growth play rather than a stable value investment.

Strengths
Strong revenue growth of 38.6% YoY
Attractive PEG ratio (0.70) suggesting undervaluation relative to growth
Low Debt/Equity ratio (0.30) indicating manageable leverage
Risks
Weak financial health as evidenced by a Piotroski F-Score of 3/9
Poor earnings track record with only 1 beat in the last 4 quarters
Bearish technical trend (0/100) and significant long-term price decline

Compare Another Pair

PGY vs SHLS: Head-to-Head Comparison

This page compares Pagaya Technologies Ltd. (PGY) and Shoals Technologies Group, Inc. (SHLS) 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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