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Pagaya Technologies Ltd. (PGY) vs StoneCo Ltd. (STNE)

Pagaya Technologies Ltd. and StoneCo Ltd. are both Software Infrastructure companies. StoneCo Ltd. is the larger, with a market value of $1.8B against $1.5B — 1.2× the size. StoneCo Ltd. trades at the lower P/E: 3.0× against 10.0×. Pagaya Technologies Ltd. grew revenue faster over the last twelve months: 14.8% against 8.71%. StoneCo Ltd. has the higher net margin (24.1% vs 10.5%) and the lower return on invested capital (27.2% vs 329.1%). Across the 22 metrics below, StoneCo Ltd. leads on 13 and Pagaya Technologies Ltd. on 9.

Valuation

Metric PGY STNE Software Infrastructure median
P/E 9.96 2.97 24.52
P/S 1.03 0.67 2.78
P/B 2.20 1.01 2.84
Price to free cash flow 6.28 2.47 18.22
EV/EBITDA 2.59 2.04 13.98
EV/Sales 0.74 1.15 2.92
Earnings yield 10.04% 33.69% 0.00%
Free cash flow yield 15.93% 40.52% 0.37%

Profitability

Metric PGY STNE Software Infrastructure median
Gross margin 43.93% 73.59% 57.91%
Operating margin 26.43% 49.68% 0.00%
Net margin 10.48% 24.12% 0.00%
Free cash flow margin 16.34% 27.20% 0.00%
Return on equity 24.93% 33.67% 0.00%
Return on assets 9.21% 6.10% 0.00%
Return on invested capital 329.07% 27.16% 0.00%

Growth

Metric PGY STNE Software Infrastructure median
Revenue growth (TTM) 14.80% 8.71% 14.42%
EPS growth (last fiscal year) 116.43% 265.22% 17.35%
Revenue growth, 5-year CAGR 67.40% 31.53% 16.15%
Net income growth, 5-year CAGR 75.33% 20.77% 0.00%

Health

Metric PGY STNE Software Infrastructure median
Debt to equity 1.22 1.80 0.02
Current ratio 11.59 1.26 1.53
Net debt to EBITDA (1.90) 1.18 0.05

Dividend

Metric PGY STNE Software Infrastructure median
Dividend yield — 0.00% 1.04%
Payout ratio — 0.00 0.29

Size

Metric PGY STNE Software Infrastructure median
Market cap 1.46b 1.82b 606.60m

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