COMP <GO>
PGY vs JPM // RETURN ON INVESTED CAPITAL (ROIC)
Pagaya Technologies Ltd. (Class A) (NASDAQ) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: PGY 5
— JPM 6
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: PGY
LAST: $20.81 (+1.66%) • MKT CAP: $1.74B
roic
85.00%
LAST: $343.58 (+1.26%) • MKT CAP: $913.30B
roic
17.37%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PGY VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PGY | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 85.00% | 17.37% | +67.63 | PGY | /roic <GO> |
| EV/EBITDA & P/E Valuation | 5.4x | 9.7x | -4.27 | PGY | /valuation <GO> |
| Free Cash Flow Yield | 12.94% | -18.14% | +31.08 | PGY | /fcf-yield <GO> |
| Operating Margin | 20.90% | 42.07% | -21.17 | JPM | /operating-margins <GO> |
| Net Profit Margin | 6.50% | 32.63% | -26.13 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 25.60% | 13.53% | +12.07 | PGY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.96% | -1.96 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 2/9 | +4.00 | PGY | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.4 | 55.1 | -3.66 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.00 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.9x | 13.6x | +4.33 | JPM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.74B | $913.30B | -$911.56B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PGY REV | JPM REV | PGY GROSS % | JPM GROSS % | PGY FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $182.45B | — | — | $224.7M | -$147.78B |
| FY 2024 | $1.00B | $177.56B | — | — | $30.0M | -$42.01B |
| FY 2023 | $772.8M | $158.10B | — | — | -$21.7M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PGY // BETA —
JPM // BETA 1.00