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

Pagaya Technologies Ltd.

NASDAQ
Loading...

Oracle Corporation

NYSE
Loading...

TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

Metric Pagaya Technologies Ltd. Oracle Corporation Better
P/E Ratio (TTM) 14.53 31.65 Pagaya Technologies Ltd.
Price-to-Book Ratio 2.31 15.11 Pagaya Technologies Ltd.
Debt-to-Equity Ratio 146.64 415.27 Pagaya Technologies Ltd.
PEG Ratio 3.99 1.38 Oracle Corporation
EV/EBITDA 3.33 23.16 Pagaya Technologies Ltd.
Profit Margin (TTM) 6.25% 25.30% Oracle Corporation
Operating Margin (TTM) 23.81% 32.68% Oracle Corporation
EBITDA Margin (TTM) 23.81% 32.68% Oracle Corporation
Return on Equity 12.96% 57.57% Oracle Corporation
Return on Assets (TTM) 11.62% 6.34% Pagaya Technologies Ltd.
Free Cash Flow (TTM) $224.72M $-394.00M Pagaya Technologies Ltd.
Dividend Yield N/A 1.01% N/A
1-Year Return -8.03% 36.40% Oracle Corporation
Price-to-Sales Ratio (TTM) 0.86 7.91 Pagaya Technologies Ltd.
Enterprise Value $898.26M $635.53B Oracle Corporation
EV/Revenue Ratio 0.69 9.92 Pagaya Technologies Ltd.
Gross Profit Margin (TTM) 40.80% 64.56% Oracle Corporation
Revenue per Share (TTM) $17 $23 Oracle Corporation
Earnings per Share (Diluted) $0.93 $5.57 Oracle Corporation
Beta (Stock Volatility) 5.76 1.60 Oracle Corporation
Short % of Float 27.63% 1.62% Oracle Corporation

Pagaya Technologies Ltd. vs Oracle Corporation Stock Performance Analysis

Loading Price Chart...

PGY
ORCL

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pagaya Technologies Ltd.-8.70%2.27%-2.79%23.76%-41.39%-37.34%
Oracle Corporation-5.83%20.62%27.76%54.57%10.88%17.69%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pagaya Technologies Ltd.-8.03%6.78%-87.06%-87.10%-87.10%-87.10%
Oracle Corporation36.40%113.22%172.39%477.44%598.36%1,495.62%

Performance & Financial Health Analysis: Pagaya Technologies Ltd. vs Oracle Corporation

MetricPGYORCL
Market Information
Market Cap i$1.11B$498.36B
Market Cap CategorySmall capMega cap
10 Day Avg. Volume i3,364,53140,165,144
90 Day Avg. Volume i3,157,94728,439,468
Last Close$13.96$230.33
52 Week Range$10.40 - $44.99$134.57 - $345.72
% from 52W High-68.97%-33.38%
All-Time High$414.00 (Aug 01, 2022)$345.72 (Sep 10, 2025)
% from All-Time High-96.63%-33.38%
Growth Metrics
Quarterly Revenue Growth0.20%0.22%
Quarterly Earnings Growth0.16%0.27%
Financial Health
Profit Margin (TTM) i0.06%0.25%
Operating Margin (TTM) i0.24%0.33%
Return on Equity (TTM) i0.13%0.58%
Debt to Equity (MRQ) i146.64415.27
Cash & Liquidity
Book Value per Share (MRQ)$5.85$11.67
Cash per Share (MRQ)$14.31$13.61
Operating Cash Flow (TTM) i$238.62M$23.51B
Levered Free Cash Flow (TTM) i$181.19M$-22,298,499,072
Dividends
Last 12-Month Dividend Yield iN/A1.01%
Last 12-Month Dividend iN/A$2.00

Valuation & Enterprise Metrics Analysis: Pagaya Technologies Ltd. vs Oracle Corporation

MetricPGY (Apr 24, 2026)ORCL (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i14.5331.65
Forward P/E i3.9922.08
PEG Ratio i3.991.38
Price to Sales (TTM) i0.867.91
Price to Book (MRQ) i2.3115.11
Market Capitalization
Market Capitalization i$1.11B$498.36B
Enterprise Value i$898.26M$635.53B
Enterprise Value Metrics
Enterprise to Revenue i0.699.92
Enterprise to EBITDA i3.3323.16
Risk & Other Metrics
Beta i5.761.60
Book Value per Share (MRQ) i$5.85$11.67

Financial Statements Comparison: Pagaya Technologies Ltd. vs Oracle Corporation

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPGY (2025)ORCL (2025)
Revenue/Sales i1.26B57.40B
Cost of Goods Sold i749.17M16.93B
COGS % of Revenue i59.4%29.5%
Gross Profit i512.17M40.47B
Gross Margin i40.6%70.5%
Research & Development i75.21M9.86B
Operating Income (EBIT) i223.81M18.05B
Operating Margin i17.7%31.5%
EBITDA i394.09M24.71B
EBITDA Margin i31.2%43.1%
Pre-Tax Income i51.63M14.16B
Pre-Tax Income % of Revenue i4.1%24.7%
Income Tax i-19.75M1.72B
Income Tax % of Revenue i-1.6%3.0%
Net Income (Profit) i71.37M12.44B
Profit Margin i5.7%21.7%

Balance Sheet & Liquidity Metrics

MetricPGY (2025)ORCL (2025)
Cash & Equivalents i235.33M10.79B
Total Current Assets i1.45B24.58B
Total Current Assets % of Revenue i115.3%42.8%
Total Current Liabilities i131.47M32.64B
Total Current Liabilities % of Revenue i10.4%56.9%
Long-Term Debt i824.27M96.83B
Long-Term Debt % of Revenue i65.3%168.7%
Total Shareholders Equity i555.35M20.97B
Retained Earnings i-862.65M-15.48B
Retained Earnings % of Revenue i-68.4%-27.0%
Property, Plant & Equipment i00

Cash Flow Statement Comparison

MetricPGY (2025)ORCL (2025)
Operating Cash Flow i130.39M21.21B
Operating Cash Flow % of Revenue i10.3%37.0%
Capital Expenditures i-13.90MN/A
Free Cash Flow i224.72M-394.00M
FCF Margin i17.8%-0.7%
Debt Repayment i-695.04M-15.84B
Common Stock Repurchase iN/A-1.50B

Short Interest & Institutional Ownership Analysis

MetricPGYORCL
Shares Short i14.15M27.67M
Short Ratio i4.801.00
Short % of Float i27.63%1.62%
Shares Outstanding i82.04M2.88B
Float Shares i62.72M1.71B
% Held by Insiders i12.09%40.55%
% Held by Institutions i61.88%44.43%
% Held by Public i26.03%15.02%

Dividend Analysis & Yield Comparison: Pagaya Technologies Ltd. vs Oracle Corporation

MetricPGYORCL
Last 12-Month Dividend iN/A$2.00
Last 12-Month Dividend Yield iN/A1.01%
3-Year Avg Annual Dividend iN/A$1.73
3-Year Avg Dividend Yield iN/A0.30%
3-Year Total Dividends iN/A$5.20
Ex-Dividend DateN/AJan 09, 2026