Pagaya Technologies [PGY] vs Oracle [ORCL] Detailed Stock Comparison

Pagaya Technologies

NASDAQ

Oracle

NYSE

TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Pagaya Technologies wins in 9 metrics, Oracle wins in 10 metrics, with 0 ties. Oracle appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	Pagaya Technologies	Oracle	Better
P/E Ratio (TTM)	16.00	54.06	Pagaya Technologies
Price-to-Book Ratio	6.49	32.20	Pagaya Technologies
Debt-to-Equity Ratio	140.85	519.59	Pagaya Technologies
PEG Ratio	-0.13	32.77	Pagaya Technologies
EV/EBITDA	16.20	32.24	Pagaya Technologies
Profit Margin (TTM)	-24.36%	21.68%	Oracle
Operating Margin (TTM)	17.30%	32.48%	Oracle
EBITDA Margin (TTM)	17.30%	32.48%	Oracle
Return on Equity	-50.70%	82.38%	Oracle
Return on Assets (TTM)	7.12%	7.26%	Oracle
Free Cash Flow (TTM)	$43.28M	$-394.00M	Pagaya Technologies
Dividend Yield	N/A	0.81%	N/A
1-Year Return	128.12%	67.51%	Pagaya Technologies
Price-to-Sales Ratio (TTM)	2.08	11.48	Pagaya Technologies
Enterprise Value	$3.13B	$757.28B	Oracle
EV/Revenue Ratio	2.71	13.19	Pagaya Technologies
Gross Profit Margin (TTM)	39.74%	70.19%	Oracle
Revenue per Share (TTM)	$15	$21	Oracle
Earnings per Share (Diluted)	$-3.96	$4.34	Oracle
Beta (Stock Volatility)	5.99	1.43	Oracle

Performance

Key Stats

Valuation

Financials

Short Interest

Dividends

Pagaya Technologies vs Oracle 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%
Oracle	1.30%	-4.82%	-4.26%	48.34%	38.94%	40.43%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
Pagaya Technologies	128.12%	-82.05%	-58.02%	-58.02%	-58.02%	-58.02%
Oracle	67.51%	212.34%	302.83%	522.42%	935.81%	1,707.44%

Performance Comparison

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Key Performance Metrics Available:

Daily, weekly, monthly, and yearly returns
52-week high and low prices
Market capitalization and valuation ratios
Financial health and profitability metrics
Dividend history and yield information

Performance & Financial Health Analysis: Pagaya Technologies vs Oracle

Metric	PGY	ORCL
Market Information
Market Cap i	$2.39B	$659.01B
Market Cap Category	Mid cap	Mega cap
10 Day Avg. Volume i	4,801,980	10,879,370
90 Day Avg. Volume i	3,846,157	10,546,587
Last Close	$33.75	$236.19
52 Week Range	$8.20 - $41.48	$118.86 - $260.87
% from 52W High	-18.64%	-9.46%
All-Time High	$414.00 (Aug 01, 2022)	$260.87 (Jul 31, 2025)
% from All-Time High	-91.85%	-9.46%
Growth Metrics
Quarterly Revenue Growth	0.30%	0.11%
Quarterly Earnings Growth	0.31%	0.09%
Financial Health
Profit Margin (TTM) i	-0.24%	0.22%
Operating Margin (TTM) i	0.17%	0.32%
Return on Equity (TTM) i	-0.51%	0.82%
Debt to Equity (MRQ) i	140.85	519.59
Cash & Liquidity
Book Value per Share (MRQ)	$4.82	$7.29
Cash per Share (MRQ)	$2.67	$3.99
Operating Cash Flow (TTM) i	$131.29M	$20.82B
Levered Free Cash Flow (TTM) i	$165.11M	$678.00M
Dividends
Last 12-Month Dividend Yield i	N/A	0.81%
Last 12-Month Dividend i	N/A	$1.70

Valuation & Enterprise Metrics Analysis: Pagaya Technologies vs Oracle

Metric	PGY	ORCL
Price Ratios
P/E Ratio (TTM) i	16.00	54.06
Forward P/E i	62.48	32.77
PEG Ratio i	-0.13	32.77
Price to Sales (TTM) i	2.08	11.48
Price to Book (MRQ) i	6.49	32.20
Market Capitalization
Market Capitalization i	$2.39B	$659.01B
Enterprise Value i	$3.13B	$757.28B
Enterprise Value Metrics
Enterprise to Revenue i	2.71	13.19
Enterprise to EBITDA i	16.20	32.24
Risk & Other Metrics
Beta i	5.99	1.43
Book Value per Share (MRQ) i	$4.82	$7.29

Financial Statements Comparison: Pagaya Technologies vs Oracle

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)	PGY	ORCL
Revenue/Sales i	$282.70M	$15.90B
Cost of Goods Sold i	$167.08M	$4.74B
Gross Profit i	$115.62M	$11.16B
Research & Development i	$19.44M	$2.65B
Operating Income (EBIT) i	$40.40M	$5.19B
EBITDA i	$48.51M	$7.00B
Pre-Tax Income i	$-48,000	$4.15B
Income Tax i	$-2.54M	$725.00M
Net Income (Profit) i	$2.49M	$3.43B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)	PGY	ORCL
Cash & Equivalents i	$186.80M	$10.79B
Total Current Assets i	$355.56M	$24.58B
Total Current Liabilities i	$198.70M	$32.64B
Long-Term Debt i	$536.36M	$96.83B
Total Shareholders Equity i	$440.80M	$20.97B
Retained Earnings i	$-936.15M	$-15.48B
Property, Plant & Equipment i	$71.51M	$0

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)	PGY	ORCL
Operating Cash Flow i	$13.96M	$5.93B
Capital Expenditures i	$-3.78M	N/A
Free Cash Flow i	$30.65M	$-2.92B
Debt Repayment i	$-51.36M	$-6.07B
Common Stock Repurchase i	N/A	$-150.00M

Short Interest & Institutional Ownership Analysis

Metric	PGY	ORCL
Shares Short i	11.34M	20.69M
Short Ratio i	3.38	1.58
Short % of Float i	0.25%	0.01%
Average Daily Volume (10 Day) i	4,801,980	10,879,370
Average Daily Volume (90 Day) i	3,846,157	10,546,587
Shares Outstanding i	73.88M	2.81B
Float Shares i	49.76M	1.64B
% Held by Insiders i	0.15%	0.42%
% Held by Institutions i	0.65%	0.45%

Dividend Analysis & Yield Comparison: Pagaya Technologies vs Oracle

Metric	PGY	ORCL
Last 12-Month Dividend i	N/A	$1.70
Last 12-Month Dividend Yield i	N/A	0.81%
3-Year Avg Annual Dividend i	N/A	$1.55
3-Year Avg Dividend Yield i	N/A	0.36%
3-Year Total Dividends i	N/A	$4.66
Ex-Dividend Date	N/A	Apr 10, 2025

Pagaya Technologies [PGY] vs Oracle [ORCL] Detailed Stock Comparison