Pagaya Technologies (NASDAQ:PGY – Get Free Report) and American Bitcoin (NASDAQ:ABTC – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, earnings, profitability, valuation, risk, institutional ownership and dividends.
Volatility & Risk
Pagaya Technologies has a beta of 5.35, meaning that its share price is 435% more volatile than the S&P 500. Comparatively, American Bitcoin has a beta of 3.76, meaning that its share price is 276% more volatile than the S&P 500.
Earnings and Valuation
This table compares Pagaya Technologies and American Bitcoin”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pagaya Technologies | $1.30 billion | 0.99 | $81.39 million | $1.07 | 14.47 |
| American Bitcoin | $185.16 million | 4.05 | -$153.17 million | ($0.50) | -1.41 |
Pagaya Technologies has higher revenue and earnings than American Bitcoin. American Bitcoin is trading at a lower price-to-earnings ratio than Pagaya Technologies, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Pagaya Technologies and American Bitcoin’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Pagaya Technologies | 7.39% | 44.75% | 15.97% |
| American Bitcoin | -69.42% | -29.72% | -15.38% |
Insider and Institutional Ownership
57.1% of Pagaya Technologies shares are held by institutional investors. Comparatively, 10.2% of American Bitcoin shares are held by institutional investors. 47.6% of Pagaya Technologies shares are held by insiders. Comparatively, 2.6% of American Bitcoin shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
Analyst Ratings
This is a summary of current ratings and target prices for Pagaya Technologies and American Bitcoin, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pagaya Technologies | 0 | 1 | 8 | 3 | 3.17 |
| American Bitcoin | 1 | 1 | 2 | 0 | 2.25 |
Pagaya Technologies presently has a consensus price target of $34.50, indicating a potential upside of 122.87%. American Bitcoin has a consensus price target of $4.00, indicating a potential upside of 466.73%. Given American Bitcoin’s higher probable upside, analysts clearly believe American Bitcoin is more favorable than Pagaya Technologies.
Summary
Pagaya Technologies beats American Bitcoin on 13 of the 15 factors compared between the two stocks.
About Pagaya Technologies
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial institutions and investors in the United States, Israel, the Cayman Islands, and internationally. The company 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 banks and financial institutions, auto finance providers, and residential real estate service providers. Pagaya Technologies Ltd. was incorporated in 2016 and is headquartered in New York, New York.
About American Bitcoin
Gryphon Digital Mining is an innovative venture in the bitcoin space. Gryphon Digital Mining, formerly known as Akerna Corp., is based in DENVER.
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