Pagaya Technologies [PGY] vs Shift4 Payments [FOUR] Detailed Stock Comparison
Pagaya Technologies
NASDAQ
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Shift4 Payments
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Pagaya Technologies wins in 9 metrics, Shift4 Payments wins in 10 metrics, with 0 ties. Shift4 Payments appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Pagaya Technologies | Shift4 Payments | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 16.00 | 33.90 | Pagaya Technologies |
| Price-to-Book Ratio | 6.49 | 9.87 | Pagaya Technologies |
| Debt-to-Equity Ratio | 140.85 | 186.68 | Pagaya Technologies |
| PEG Ratio | -0.13 | -0.83 | Shift4 Payments |
| EV/EBITDA | 16.20 | 13.76 | Shift4 Payments |
| Profit Margin (TTM) | -24.36% | 6.11% | Shift4 Payments |
| Operating Margin (TTM) | 17.30% | 9.16% | Pagaya Technologies |
| EBITDA Margin (TTM) | 17.30% | 9.16% | Pagaya Technologies |
| Return on Equity | -50.70% | 18.28% | Shift4 Payments |
| Return on Assets (TTM) | 7.12% | 3.61% | Pagaya Technologies |
| Free Cash Flow (TTM) | $43.28M | $310.60M | Shift4 Payments |
| 1-Year Return | 128.12% | 9.39% | Pagaya Technologies |
| Price-to-Sales Ratio (TTM) | 2.08 | 2.21 | Pagaya Technologies |
| Enterprise Value | $3.13B | $8.37B | Shift4 Payments |
| EV/Revenue Ratio | 2.71 | 2.32 | Shift4 Payments |
| Gross Profit Margin (TTM) | 39.74% | 30.27% | Pagaya Technologies |
| Revenue per Share (TTM) | $15 | $52 | Shift4 Payments |
| Earnings per Share (Diluted) | $-3.96 | $2.66 | Shift4 Payments |
| Beta (Stock Volatility) | 5.99 | 1.81 | Shift4 Payments |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Pagaya Technologies vs Shift4 Payments Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pagaya Technologies | 13.37% | -11.19% | -4.92% | 111.89% | 105.31% | 209.14% |
| Shift4 Payments | 2.64% | -0.40% | -16.16% | 1.61% | -6.57% | -18.08% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pagaya Technologies | 128.12% | -82.05% | -58.02% | -58.02% | -58.02% | -58.02% |
| Shift4 Payments | 9.39% | 93.31% | 72.87% | 164.61% | 164.61% | 164.61% |
Performance & Financial Health Analysis: Pagaya Technologies vs Shift4 Payments
| Metric | PGY | FOUR |
|---|---|---|
| Market Information | ||
| Market Cap | $2.39B | $7.97B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 4,801,980 | 3,444,978 |
| 90 Day Avg. Volume | 3,846,157 | 1,933,193 |
| Last Close | $33.75 | $91.09 |
| 52 Week Range | $8.20 - $41.48 | $68.09 - $127.50 |
| % from 52W High | -18.64% | -28.56% |
| All-Time High | $414.00 (Aug 01, 2022) | $127.50 (Feb 17, 2025) |
| % from All-Time High | -91.85% | -28.56% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.30% | 0.17% |
| Quarterly Earnings Growth | 0.31% | -0.13% |
| Financial Health | ||
| Profit Margin (TTM) | -0.24% | 0.06% |
| Operating Margin (TTM) | 0.17% | 0.09% |
| Return on Equity (TTM) | -0.51% | 0.18% |
| Debt to Equity (MRQ) | 140.85 | 186.68 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $4.82 | $9.14 |
| Cash per Share (MRQ) | $2.67 | $44.14 |
| Operating Cash Flow (TTM) | $131.29M | $512.00M |
| Levered Free Cash Flow (TTM) | $165.11M | $417.24M |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: Pagaya Technologies vs Shift4 Payments
| Metric | PGY | FOUR |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 16.00 | 33.90 |
| Forward P/E | 62.48 | 18.75 |
| PEG Ratio | -0.13 | -0.83 |
| Price to Sales (TTM) | 2.08 | 2.21 |
| Price to Book (MRQ) | 6.49 | 9.87 |
| Market Capitalization | ||
| Market Capitalization | $2.39B | $7.97B |
| Enterprise Value | $3.13B | $8.37B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.71 | 2.32 |
| Enterprise to EBITDA | 16.20 | 13.76 |
| Risk & Other Metrics | ||
| Beta | 5.99 | 1.81 |
| Book Value per Share (MRQ) | $4.82 | $9.14 |
Financial Statements Comparison: Pagaya Technologies vs Shift4 Payments
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PGY | FOUR |
|---|---|---|
| Revenue/Sales | $282.70M | $848.30M |
| Cost of Goods Sold | $167.08M | $591.30M |
| Gross Profit | $115.62M | $257.00M |
| Research & Development | $19.44M | N/A |
| Operating Income (EBIT) | $40.40M | $21.70M |
| EBITDA | $48.51M | $121.10M |
| Pre-Tax Income | $-48,000 | $11.40M |
| Income Tax | $-2.54M | $-8.10M |
| Net Income (Profit) | $2.49M | $19.50M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PGY | FOUR |
|---|---|---|
| Cash & Equivalents | $186.80M | $1.17B |
| Total Current Assets | $355.56M | $1.84B |
| Total Current Liabilities | $198.70M | $1.36B |
| Long-Term Debt | $536.36M | $2.18B |
| Total Shareholders Equity | $440.80M | $1.02B |
| Retained Earnings | $-936.15M | $-259.60M |
| Property, Plant & Equipment | $71.51M | $334.80M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PGY | FOUR |
|---|---|---|
| Operating Cash Flow | $13.96M | $120.40M |
| Capital Expenditures | $-3.78M | $-31.80M |
| Free Cash Flow | $30.65M | $44.80M |
| Debt Repayment | $-51.36M | N/A |
| Common Stock Repurchase | N/A | $-62.90M |
Short Interest & Institutional Ownership Analysis
| Metric | PGY | FOUR |
|---|---|---|
| Shares Short | 11.34M | 11.13M |
| Short Ratio | 3.38 | 9.68 |
| Short % of Float | 0.25% | 0.17% |
| Average Daily Volume (10 Day) | 4,801,980 | 3,444,978 |
| Average Daily Volume (90 Day) | 3,846,157 | 1,933,193 |
| Shares Outstanding | 73.88M | 69.26M |
| Float Shares | 49.76M | 54.20M |
| % Held by Insiders | 0.15% | 0.02% |
| % Held by Institutions | 0.65% | 1.34% |
Dividend Analysis & Yield Comparison: Pagaya Technologies vs Shift4 Payments
| Metric | PGY | FOUR |
|---|---|---|
| Last 12-Month Dividend | N/A | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | N/A |
| Ex-Dividend Date | N/A | N/A |