COMP <GO>
ATLC vs PGY // EV/EBITDA & P/E VALUATION
Atlanticus Holdings Corporation (NASDAQ) VS. Pagaya Technologies Ltd. (Class A) (NASDAQ) • 15-METRIC TALLY: ATLC 3
— PGY 3
■ METRIC PARITY
LAST: $98.15 (+7.10%) • MKT CAP: $1.49B
valuation
—
LAST: $20.81 (+1.66%) • MKT CAP: $1.74B
valuation
5.4x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ATLC VS. PGY)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ATLC | PGY | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 19.80% | 85.00% | -65.20 | PGY | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 5.4x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 12.94% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | 20.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 6.10% | 6.50% | -0.40 | PGY | /net-margins <GO> |
| Revenue Growth (YoY) | 50.10% | 25.60% | +24.50 | ATLC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 6/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.4 | 51.4 | +0.98 | ATLC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.3x | 17.9x | -7.60 | ATLC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.49B | $1.74B | -$247.2M | PGY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ATLC REV | PGY REV | ATLC GROSS % | PGY GROSS % | ATLC FCF | PGY FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.97B | $1.26B | — | — | $638.0M | $224.7M |
| FY 2024 | $1.31B | $1.00B | — | — | $469.4M | $30.0M |
| FY 2023 | $1.16B | $772.8M | — | — | $459.3M | -$21.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ATLC // BETA —
PGY // BETA —