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Bandwidth Inc. (BAND) vs Pagaya Technologies Ltd. (PGY)

Bandwidth Inc. and Pagaya Technologies Ltd. are both Software Infrastructure companies. Bandwidth Inc. and Pagaya Technologies Ltd. are of similar size ($1.6B and $1.5B). Pagaya Technologies Ltd. trades at the lower P/E: 11.5× against 722×. Pagaya Technologies Ltd. grew revenue faster over the last twelve months: 20.6% against 9.25%. Pagaya Technologies Ltd. has the higher net margin (9.11% vs 0.27%) and the higher return on invested capital (741.9% vs −1.77%). Across the 22 metrics below, Pagaya Technologies Ltd. leads on 21 and Bandwidth Inc. on 1.

Valuation

Metric BAND PGY Software Infrastructure median
P/E 722.33 11.49 28.38
P/S 1.68 1.03 2.98
P/B 3.50 2.21 2.93
Price to free cash flow 20.67 5.69 16.28
EV/EBITDA 30.37 2.66 13.92
EV/Sales 1.93 0.72 2.90
Earnings yield 0.14% 8.71% 0.14%
Free cash flow yield 4.84% 17.57% 1.24%

Profitability

Metric BAND PGY Software Infrastructure median
Gross margin 37.23% 43.39% 61.00%
Operating margin (1.82%) 24.86% 0.00%
Net margin 0.27% 9.11% 0.00%
Free cash flow margin 8.13% 18.11% 1.67%
Return on equity 0.58% 22.68% 0.60%
Return on assets 0.21% 8.19% 0.00%
Return on invested capital (1.77%) 741.93% 0.00%

Growth

Metric BAND PGY Software Infrastructure median
Revenue growth (TTM) 9.25% 20.55% 13.41%
EPS growth (last fiscal year) (79.17%) 116.43% 27.10%
Revenue growth, 5-year CAGR 17.05% 67.40% 15.57%
Net income growth, 5-year CAGR 0.00% 75.33% 0.00%

Health

Metric BAND PGY Software Infrastructure median
Debt to equity 0.87 1.12 0.05
Current ratio 2.04 11.08 1.55
Net debt to EBITDA 3.09 (1.90) 0.08

Dividend

Metric BAND PGY Software Infrastructure median
Dividend yield — — 1.20%
Payout ratio — — 0.29

Size

Metric BAND PGY Software Infrastructure median
Market cap 1.60b 1.49b 752.37m

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