Pagaya Technologies [PGY] vs Evertec [EVTC] Detailed Stock Comparison

Pagaya Technologies Ltd.

NASDAQ
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Evertec Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Pagaya Technologies Ltd. wins in 12 metrics, Evertec Inc. wins in 8 metrics, with 0 ties. Pagaya Technologies Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Pagaya Technologies Ltd. Evertec Inc. Better
P/E Ratio (TTM) 14.53 13.41 Evertec Inc.
Price-to-Book Ratio 2.31 2.93 Pagaya Technologies Ltd.
Debt-to-Equity Ratio 146.64 159.05 Pagaya Technologies Ltd.
PEG Ratio 3.99 -1.21 Pagaya Technologies Ltd.
EV/EBITDA 3.33 10.47 Pagaya Technologies Ltd.
Profit Margin (TTM) 6.25% 15.20% Evertec Inc.
Operating Margin (TTM) 23.81% 17.59% Pagaya Technologies Ltd.
EBITDA Margin (TTM) 23.81% 17.59% Pagaya Technologies Ltd.
Return on Equity 12.96% 23.44% Evertec Inc.
Return on Assets (TTM) 11.62% 5.68% Pagaya Technologies Ltd.
Free Cash Flow (TTM) $224.72M $135.51M Pagaya Technologies Ltd.
Dividend Yield N/A 0.52% N/A
1-Year Return -8.03% -32.46% Pagaya Technologies Ltd.
Price-to-Sales Ratio (TTM) 0.86 1.95 Pagaya Technologies Ltd.
Enterprise Value $898.26M $2.74B Evertec Inc.
EV/Revenue Ratio 0.69 2.95 Pagaya Technologies Ltd.
Gross Profit Margin (TTM) 40.80% 51.10% Evertec Inc.
Revenue per Share (TTM) $17 $15 Pagaya Technologies Ltd.
Earnings per Share (Diluted) $0.93 $2.20 Evertec Inc.
Beta (Stock Volatility) 5.76 0.84 Evertec Inc.
Short % of Float 27.63% 4.45% Evertec Inc.

Pagaya Technologies Ltd. vs Evertec Inc. Stock Performance Analysis

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PGY
EVTC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pagaya Technologies Ltd.-8.70%2.27%-2.79%23.76%-41.39%-37.34%
Evertec Inc.-7.42%-5.49%-23.31%-21.71%-24.89%-21.30%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pagaya Technologies Ltd.-8.03%6.78%-87.06%-87.10%-87.10%-87.10%
Evertec Inc.-32.46%-32.22%-44.78%55.07%19.72%19.72%

Performance & Financial Health Analysis: Pagaya Technologies Ltd. vs Evertec Inc.

MetricPGYEVTC
Market Information
Market Cap i$1.11B$1.82B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i3,364,531270,610
90 Day Avg. Volume i3,157,947373,293
Last Close$13.96$22.57
52 Week Range$10.40 - $44.99$21.82 - $38.02
% from 52W High-68.97%-40.64%
All-Time High$414.00 (Aug 01, 2022)$51.06 (Dec 06, 2021)
% from All-Time High-96.63%-55.80%
Growth Metrics
Quarterly Revenue Growth0.20%0.13%
Quarterly Earnings Growth0.16%-0.11%
Financial Health
Profit Margin (TTM) i0.06%0.15%
Operating Margin (TTM) i0.24%0.18%
Return on Equity (TTM) i0.13%0.23%
Debt to Equity (MRQ) i146.64159.05
Cash & Liquidity
Book Value per Share (MRQ)$5.85$10.07
Cash per Share (MRQ)$14.31$4.96
Operating Cash Flow (TTM) i$238.62M$227.01M
Levered Free Cash Flow (TTM) i$181.19M$111.95M
Dividends
Last 12-Month Dividend Yield iN/A0.52%
Last 12-Month Dividend iN/A$0.15

Valuation & Enterprise Metrics Analysis: Pagaya Technologies Ltd. vs Evertec Inc.

MetricPGY (Apr 24, 2026)EVTC (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i14.5313.41
Forward P/E i3.996.94
PEG Ratio i3.99-1.21
Price to Sales (TTM) i0.861.95
Price to Book (MRQ) i2.312.93
Market Capitalization
Market Capitalization i$1.11B$1.82B
Enterprise Value i$898.26M$2.74B
Enterprise Value Metrics
Enterprise to Revenue i0.692.95
Enterprise to EBITDA i3.3310.47
Risk & Other Metrics
Beta i5.760.84
Book Value per Share (MRQ) i$5.85$10.07

Financial Statements Comparison: Pagaya Technologies Ltd. vs Evertec Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPGY (2025)EVTC (2025)
Revenue/Sales i1.26B931.82M
Cost of Goods Sold i749.17M469.13M
COGS % of Revenue i59.4%50.3%
Gross Profit i512.17M462.69M
Gross Margin i40.6%49.7%
Research & Development i75.21MN/A
Operating Income (EBIT) i223.81M186.44M
Operating Margin i17.7%20.0%
EBITDA i394.09M344.15M
EBITDA Margin i31.2%36.9%
Pre-Tax Income i51.63M154.38M
Pre-Tax Income % of Revenue i4.1%16.6%
Income Tax i-19.75M9.82M
Income Tax % of Revenue i-1.6%1.1%
Net Income (Profit) i71.37M144.56M
Profit Margin i5.7%15.5%

Balance Sheet & Liquidity Metrics

MetricPGY (2025)EVTC (2025)
Cash & Equivalents i235.33M305.99M
Total Current Assets i1.45B590.77M
Total Current Assets % of Revenue i115.3%63.4%
Total Current Liabilities i131.47M285.04M
Total Current Liabilities % of Revenue i10.4%30.6%
Long-Term Debt i824.27M1.09B
Long-Term Debt % of Revenue i65.3%117.0%
Total Shareholders Equity i555.35M713.99M
Retained Earnings i-862.65M687.70M
Retained Earnings % of Revenue i-68.4%73.8%
Property, Plant & Equipment i0201.38M

Cash Flow Statement Comparison

MetricPGY (2025)EVTC (2025)
Operating Cash Flow i130.39M254.67M
Operating Cash Flow % of Revenue i10.3%27.3%
Capital Expenditures i-13.90M-23.34M
Free Cash Flow i224.72M135.51M
FCF Margin i17.8%14.5%
Debt Repayment i-695.04M-26.03M
Common Stock Repurchase iN/A-69.29M

Short Interest & Institutional Ownership Analysis

MetricPGYEVTC
Shares Short i14.15M1.89M
Short Ratio i4.804.72
Short % of Float i27.63%4.45%
Shares Outstanding i82.04M61.76M
Float Shares i62.72M60.93M
% Held by Insiders i12.09%1.27%
% Held by Institutions i61.88%103.32%
% Held by Public i26.03%-4.59%

Dividend Analysis & Yield Comparison: Pagaya Technologies Ltd. vs Evertec Inc.

MetricPGYEVTC
Last 12-Month Dividend iN/A$0.15
Last 12-Month Dividend Yield iN/A0.52%
3-Year Avg Annual Dividend iN/A$0.18
3-Year Avg Dividend Yield iN/A0.14%
3-Year Total Dividends iN/A$0.55
Ex-Dividend DateN/AMar 02, 2026