COMP <GO>
PGY vs HSBC // PIOTROSKI F-SCORE QUALITY
Pagaya Technologies Ltd. (Class A) (NASDAQ) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: PGY 7
— HSBC 3
▲ PIOTROSKI F-SCORE QUALITY LEADER: HSBC
LAST: $18.13 (-5.72%) • MKT CAP: $1.51B
piotroski-score
6/9
LAST: $85.91 (+0.57%) • MKT CAP: $294.96B
piotroski-score
8/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PGY VS. HSBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PGY | HSBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 9.90% | +75.10 | PGY | /roic <GO> |
| EV/EBITDA & P/E Valuation | 5.4x | 21.0x | -15.60 | PGY | /valuation <GO> |
| Free Cash Flow Yield | 12.94% | 2.21% | +10.73 | PGY | /fcf-yield <GO> |
| Operating Margin | 20.90% | 13.90% | +7.00 | PGY | /operating-margins <GO> |
| Net Profit Margin | 6.50% | 10.90% | -4.40 | HSBC | /net-margins <GO> |
| Revenue Growth (YoY) | 25.60% | 23.10% | +2.50 | 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 ACTIVE | 6/9 | 8/9 | -2.00 | HSBC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 45.3 | 30.3 | +15.00 | PGY | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.92 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.9x | 27.6x | -9.70 | PGY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.51B | $294.96B | -$293.45B | HSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PGY REV | HSBC REV | PGY GROSS % | HSBC GROSS % | PGY FCF | HSBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | — | — | — | $224.7M | — |
| FY 2024 | $1.00B | — | — | — | $30.0M | — |
| FY 2023 | $772.8M | — | — | — | -$21.7M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PGY // BETA —
HSBC // BETA 0.92