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

Pagaya Technologies

NASDAQ
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Oracle

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Pagaya Technologies wins in 8 metrics, Oracle wins in 11 metrics, with 0 ties. Oracle appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricPagaya TechnologiesOracleBetter
P/E Ratio (TTM)16.0066.08Pagaya Technologies
Price-to-Book Ratio6.1133.66Pagaya Technologies
Debt-to-Equity Ratio140.85452.53Pagaya Technologies
PEG Ratio-0.13-35.02Oracle
EV/EBITDA16.1337.37Pagaya Technologies
Profit Margin (TTM)-24.36%21.08%Oracle
Operating Margin (TTM)17.30%31.38%Oracle
EBITDA Margin (TTM)17.30%31.38%Oracle
Return on Equity-50.70%69.24%Oracle
Return on Assets (TTM)7.12%7.15%Oracle
Free Cash Flow (TTM)$43.28M$-394.00MPagaya Technologies
Dividend YieldN/A0.81%N/A
1-Year Return182.42%67.47%Pagaya Technologies
Price-to-Sales Ratio (TTM)1.9513.82Pagaya Technologies
Enterprise Value$3.11B$914.26BOracle
EV/Revenue Ratio2.7015.49Pagaya Technologies
Gross Profit Margin (TTM)39.74%67.28%Oracle
Revenue per Share (TTM)$15$21Oracle
Earnings per Share (Diluted)$-3.96$4.33Oracle
Beta (Stock Volatility)5.891.53Oracle
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Pagaya Technologies vs Oracle Stock Performance Analysis

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Pagaya Technologies
Oracle
Pagaya Technologies Stock Overview | Oracle Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pagaya Technologies0.85%-15.13%-16.69%32.67%204.66%205.30%
Oracle1.90%0.95%28.06%20.57%108.51%72.34%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pagaya Technologies182.42%61.18%-58.54%-58.54%-58.54%-58.54%
Oracle67.47%352.11%367.93%651.02%921.93%2,288.48%

News Based Sentiment: Pagaya Technologies vs Oracle

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

Oracle

News based Sentiment: MIXED

October was a pivotal month for Oracle, marked by a massive surge in RPO driven by the OpenAI partnership, but also overshadowed by concerns about rising debt, high valuation, and insider selling. The mixed analyst reactions and regulatory scrutiny add to the complexity, making it a significant month for investors to reassess the risk-reward profile.

View Oracle News Sentiment Analysis

Performance & Financial Health Analysis: Pagaya Technologies vs Oracle

MetricPGYORCL
Market Information
Market Cap i$2.25B$819.55B
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i6,340,95128,166,510
90 Day Avg. Volume i4,454,22729,452,477
Last Close$29.65$291.59
52 Week Range$8.20 - $44.99$118.86 - $345.72
% from 52W High-34.10%-15.66%
All-Time High$414.00 (Aug 01, 2022)$345.72 (Sep 10, 2025)
% from All-Time High-92.84%-15.66%
Growth Metrics
Quarterly Revenue Growth0.30%0.12%
Quarterly Earnings Growth0.31%0.00%
Financial Health
Profit Margin (TTM) i-0.24%0.21%
Operating Margin (TTM) i0.17%0.31%
Return on Equity (TTM) i-0.51%0.69%
Debt to Equity (MRQ) i140.85452.53
Cash & Liquidity
Book Value per Share (MRQ)$4.82$8.50
Cash per Share (MRQ)$2.67$3.87
Operating Cash Flow (TTM) i$131.29M$21.53B
Levered Free Cash Flow (TTM) i$165.11M$-2,832,250,112
Dividends
Last 12-Month Dividend Yield iN/A0.81%
Last 12-Month Dividend iN/A$1.70

Valuation & Enterprise Metrics Analysis: Pagaya Technologies vs Oracle

MetricPGYORCL
Price Ratios
P/E Ratio (TTM) i16.0066.08
Forward P/E i58.8039.96
PEG Ratio i-0.13-35.02
Price to Sales (TTM) i1.9513.82
Price to Book (MRQ) i6.1133.66
Market Capitalization
Market Capitalization i$2.25B$819.55B
Enterprise Value i$3.11B$914.26B
Enterprise Value Metrics
Enterprise to Revenue i2.7015.49
Enterprise to EBITDA i16.1337.37
Risk & Other Metrics
Beta i5.891.53
Book Value per Share (MRQ) i$4.82$8.50

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)PGYORCL
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)PGYORCL
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)PGYORCL
Operating Cash Flow i$13.96M$5.93B
Capital Expenditures i$-3.78MN/A
Free Cash Flow i$30.65M$-2.92B
Debt Repayment i$-51.36M$-6.07B
Common Stock Repurchase iN/A$-150.00M

Short Interest & Institutional Ownership Analysis

MetricPGYORCL
Shares Short i10.95M23.58M
Short Ratio i3.220.97
Short % of Float i0.24%0.01%
Average Daily Volume (10 Day) i6,340,95128,166,510
Average Daily Volume (90 Day) i4,454,22729,452,477
Shares Outstanding i73.88M2.81B
Float Shares i50.98M1.67B
% Held by Insiders i0.13%0.41%
% Held by Institutions i0.65%0.45%

Dividend Analysis & Yield Comparison: Pagaya Technologies vs Oracle

MetricPGYORCL
Last 12-Month Dividend iN/A$1.70
Last 12-Month Dividend Yield iN/A0.81%
3-Year Avg Annual Dividend iN/A$1.55
3-Year Avg Dividend Yield iN/A0.36%
3-Year Total Dividends iN/A$4.66
Ex-Dividend DateN/AApr 10, 2025