COMP <GO>
PGY vs BAC // OPERATING MARGIN
Pagaya Technologies Ltd. (Class A) (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: PGY 5
— BAC 5
▲ OPERATING MARGIN LEADER: BAC
LAST: $20.81 (+1.66%) • MKT CAP: $1.74B
operating-margins
20.90%
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
operating-margins
32.90%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PGY VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PGY | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 2.50% | +82.50 | PGY | /roic <GO> |
| EV/EBITDA & P/E Valuation | 5.4x | 30.2x | -24.80 | PGY | /valuation <GO> |
| Free Cash Flow Yield | 12.94% | 2.10% | +10.84 | PGY | /fcf-yield <GO> |
| Operating Margin ACTIVE | 20.90% | 32.90% | -12.00 | BAC | /operating-margins <GO> |
| Net Profit Margin | 6.50% | 27.00% | -20.50 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 25.60% | 6.80% | +18.80 | PGY | /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 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.4 | 38.3 | +13.14 | PGY | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.9x | 10.9x | +7.00 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.74B | $357.61B | -$355.87B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PGY REV | BAC REV | PGY GROSS % | BAC GROSS % | PGY FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $113.10B | — | — | $224.7M | $7.52B |
| FY 2024 | $1.00B | $105.86B | — | — | $30.0M | -$13.57B |
| FY 2023 | $772.8M | $102.77B | — | — | -$21.7M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PGY // BETA —
BAC // BETA 0.90