Pagaya Technologies [PGY] vs Klaviyo [KVYO] Detailed Stock Comparison

Pagaya Technologies

NASDAQ
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Klaviyo

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Pagaya Technologies wins in 7 metrics, Klaviyo wins in 11 metrics, with 0 ties. Klaviyo appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricPagaya TechnologiesKlaviyoBetter
P/E Ratio (TTM)16.00-152.29Klaviyo
Price-to-Book Ratio6.117.07Pagaya Technologies
Debt-to-Equity Ratio140.859.04Klaviyo
PEG Ratio-0.13-0.44Klaviyo
EV/EBITDA16.13-76.00Klaviyo
Profit Margin (TTM)-24.36%-6.19%Klaviyo
Operating Margin (TTM)17.30%-10.69%Pagaya Technologies
EBITDA Margin (TTM)17.30%N/AN/A
Return on Equity-50.70%-6.42%Klaviyo
Return on Assets (TTM)7.12%-5.05%Pagaya Technologies
Free Cash Flow (TTM)$43.28M$148.73MKlaviyo
1-Year Return182.42%-26.91%Pagaya Technologies
Price-to-Sales Ratio (TTM)1.957.20Pagaya Technologies
Enterprise Value$3.11B$6.93BKlaviyo
EV/Revenue Ratio2.706.43Pagaya Technologies
Gross Profit Margin (TTM)39.74%75.70%Klaviyo
Revenue per Share (TTM)$15$4Pagaya Technologies
Earnings per Share (Diluted)$-3.96$-0.24Klaviyo
Beta (Stock Volatility)5.891.27Klaviyo
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Pagaya Technologies vs Klaviyo Stock Performance Analysis

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Pagaya Technologies
Klaviyo
Pagaya Technologies Stock Overview | Klaviyo Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pagaya Technologies0.85%-15.13%-16.69%32.67%204.66%205.30%
Klaviyo1.00%-18.28%-17.10%-23.65%-7.14%-37.82%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pagaya Technologies182.42%61.18%-58.54%-58.54%-58.54%-58.54%
Klaviyo-26.91%-22.46%-22.46%-22.46%-22.46%-22.46%

News Based Sentiment: Pagaya Technologies vs Klaviyo

Pagaya Technologies

News based Sentiment: POSITIVE

Pagaya's debt refinancing is a significant positive development, substantially improving their financial flexibility and reducing costs. The continued 'Buy' rating from Benchmark adds to the positive narrative, outweighing the tax-related insider sales. This suggests a strengthening investment case.

View Pagaya Technologies News Sentiment Analysis

Klaviyo

News based Sentiment: POSITIVE

October 2025 brought a wave of positive analyst coverage, significant institutional investment, and a strategic product launch focused on AI, all pointing towards a strengthening investment case for Klaviyo. While insider selling is a minor concern, the overall narrative is decidedly bullish.

View Klaviyo News Sentiment Analysis

Performance & Financial Health Analysis: Pagaya Technologies vs Klaviyo

MetricPGYKVYO
Market Information
Market Cap i$2.25B$9.40B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i6,340,9514,592,660
90 Day Avg. Volume i4,454,2272,953,277
Last Close$29.65$26.15
52 Week Range$8.20 - $44.99$23.77 - $49.55
% from 52W High-34.10%-47.23%
All-Time High$414.00 (Aug 01, 2022)$49.55 (Feb 10, 2025)
% from All-Time High-92.84%-47.23%
Growth Metrics
Quarterly Revenue Growth0.30%0.32%
Quarterly Earnings Growth0.31%0.32%
Financial Health
Profit Margin (TTM) i-0.24%-0.06%
Operating Margin (TTM) i0.17%-0.11%
Return on Equity (TTM) i-0.51%-0.06%
Debt to Equity (MRQ) i140.859.04
Cash & Liquidity
Book Value per Share (MRQ)$4.82$3.66
Cash per Share (MRQ)$2.67$3.12
Operating Cash Flow (TTM) i$131.29M$168.96M
Levered Free Cash Flow (TTM) i$165.11M$186.32M
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend iN/AN/A

Valuation & Enterprise Metrics Analysis: Pagaya Technologies vs Klaviyo

MetricPGYKVYO
Price Ratios
P/E Ratio (TTM) i16.00-152.29
Forward P/E i58.8046.23
PEG Ratio i-0.13-0.44
Price to Sales (TTM) i1.957.20
Price to Book (MRQ) i6.117.07
Market Capitalization
Market Capitalization i$2.25B$9.40B
Enterprise Value i$3.11B$6.93B
Enterprise Value Metrics
Enterprise to Revenue i2.706.43
Enterprise to EBITDA i16.13-76.00
Risk & Other Metrics
Beta i5.891.27
Book Value per Share (MRQ) i$4.82$3.66

Financial Statements Comparison: Pagaya Technologies vs Klaviyo

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)PGYKVYO
Revenue/Sales i$282.70M$293.12M
Cost of Goods Sold i$167.08M$71.24M
Gross Profit i$115.62M$221.88M
Research & Development i$19.44M$72.46M
Operating Income (EBIT) i$40.40M$-31.33M
EBITDA i$48.51M$-27.40M
Pre-Tax Income i$-48,000$-22.48M
Income Tax i$-2.54M$1.80M
Net Income (Profit) i$2.49M$-24.28M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)PGYKVYO
Cash & Equivalents i$186.80M$888.43M
Total Current Assets i$355.56M$1.01B
Total Current Liabilities i$198.70M$192.82M
Long-Term Debt i$536.36M$84.12M
Total Shareholders Equity i$440.80M$1.06B
Retained Earnings i$-936.15M$-859.27M
Property, Plant & Equipment i$71.51M$90.82M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)PGYKVYO
Operating Cash Flow i$13.96M$36.85M
Capital Expenditures i$-3.78M$-2.69M
Free Cash Flow i$30.65M$6.62M
Debt Repayment i$-51.36M$0
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPGYKVYO
Shares Short i10.95M6.83M
Short Ratio i3.223.67
Short % of Float i0.24%0.06%
Average Daily Volume (10 Day) i6,340,9514,592,660
Average Daily Volume (90 Day) i4,454,2272,953,277
Shares Outstanding i73.88M272.76M
Float Shares i50.98M115.43M
% Held by Insiders i0.13%0.01%
% Held by Institutions i0.65%0.89%

Dividend Analysis & Yield Comparison: Pagaya Technologies vs Klaviyo

MetricPGYKVYO
Last 12-Month Dividend iN/AN/A
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend iN/AN/A
3-Year Avg Dividend Yield iN/AN/A
3-Year Total Dividends iN/AN/A
Ex-Dividend DateN/AN/A