Pagaya Technologies (NASDAQ:PGY) & CNFinance (NYSE:CNF) Head to Head Survey

Pagaya Technologies (NASDAQ:PGYGet Rating) and CNFinance (NYSE:CNFGet Rating) are both business services companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, dividends, earnings, risk, profitability, analyst recommendations and institutional ownership.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Pagaya Technologies and CNFinance, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pagaya Technologies 0 1 0 0 2.00
CNFinance 0 0 1 0 3.00

Pagaya Technologies presently has a consensus price target of $12.00, indicating a potential upside of 52.48%. CNFinance has a consensus price target of $5.50, indicating a potential upside of 101.47%. Given CNFinance’s stronger consensus rating and higher possible upside, analysts clearly believe CNFinance is more favorable than Pagaya Technologies.

Institutional & Insider Ownership

8.1% of CNFinance shares are held by institutional investors. 25.8% of CNFinance shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

This table compares Pagaya Technologies and CNFinance’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Pagaya Technologies N/A -31.38% -12.45%
CNFinance -1.90% -0.68% -0.19%

Risk & Volatility

Pagaya Technologies has a beta of 12.97, meaning that its share price is 1,197% more volatile than the S&P 500. Comparatively, CNFinance has a beta of 0.15, meaning that its share price is 85% less volatile than the S&P 500.

Earnings & Valuation

This table compares Pagaya Technologies and CNFinance’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Pagaya Technologies $474.59 million 10.85 -$91.15 million N/A N/A
CNFinance $219.35 million 0.85 $10.11 million ($0.06) -45.50

CNFinance has lower revenue, but higher earnings than Pagaya Technologies.

Summary

CNFinance beats Pagaya Technologies on 8 of the 12 factors compared between the two stocks.

About Pagaya Technologies

(Get Rating)

Pagaya Technologies Ltd. operates as a financial technology company in Israel, the United States, and the Cayman Islands. It develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include high-growth financial technology companies, incumbent financial institutions, auto finance providers, and brokers. The company was founded in 2016 and is headquartered in Tel Aviv, Israel.

About CNFinance

(Get Rating)

CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners; and loan lending agency services for financial institutions. The company also provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates a network of 63 branches and sub-branches, which included 14 branches and sub-branches in the Pearl River Delta region, 7 branches and sub-branches in the Yangtze River Delta region, and 42 branches and sub-branches in other areas in approximately 50 cities in China. CNFinance Holdings Limited was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.

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