Chemung Financial (CHMG) Competitors

Pagaya Technologies (NASDAQ:PGY) and Chemung Financial (NASDAQ:CHMG) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their community ranking, risk, analyst recommendations, earnings, media sentiment, dividends, profitability, institutional ownership and valuation.

Is PGY or CHMG more profitable?

Chemung Financial has a net margin of 15.70% compared to Pagaya Technologies' net margin of -39.20%. Chemung Financial's return on equity of 11.47% beat Pagaya Technologies' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pagaya Technologies	-39.20%	0.82%	0.36%
Chemung Financial	15.70%	11.47%	0.85%

Does the MarketBeat Community prefer PGY or CHMG?

Chemung Financial received 110 more outperform votes than Pagaya Technologies when rated by MarketBeat users. However, 72.50% of users gave Pagaya Technologies an outperform vote while only 50.73% of users gave Chemung Financial an outperform vote.

Company	Underperform	Outperform
Pagaya Technologies	Outperform Votes 29 72.50%	Underperform Votes 11 27.50%
Chemung Financial	Outperform Votes 139 50.73%	Underperform Votes 135 49.27%

Which has stronger valuation and earnings, PGY or CHMG?

Chemung Financial has lower revenue, but higher earnings than Pagaya Technologies. Pagaya Technologies is trading at a lower price-to-earnings ratio than Chemung Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pagaya Technologies	$1.00B	0.76	-$401.41M	-$5.50	-1.85
Chemung Financial	$96.11M	2.28	$23.67M	$4.96	9.23

Do analysts rate PGY or CHMG?

Pagaya Technologies currently has a consensus price target of $20.61, suggesting a potential upside of 103.07%. Chemung Financial has a consensus price target of $58.50, suggesting a potential upside of 27.79%. Given Pagaya Technologies' stronger consensus rating and higher probable upside, equities research analysts clearly believe Pagaya Technologies is more favorable than Chemung Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pagaya Technologies	0 Sell rating(s)	2 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.78
Chemung Financial	0 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the media favor PGY or CHMG?

In the previous week, Pagaya Technologies had 5 more articles in the media than Chemung Financial. MarketBeat recorded 5 mentions for Pagaya Technologies and 0 mentions for Chemung Financial. Chemung Financial's average media sentiment score of 1.76 beat Pagaya Technologies' score of 1.19 indicating that Chemung Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Pagaya Technologies	Positive
Chemung Financial	Very Positive

Which has more volatility and risk, PGY or CHMG?

Pagaya Technologies has a beta of 5.98, suggesting that its share price is 498% more volatile than the S&P 500. Comparatively, Chemung Financial has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500.

Do insiders and institutionals hold more shares of PGY or CHMG?

57.1% of Pagaya Technologies shares are held by institutional investors. Comparatively, 47.5% of Chemung Financial shares are held by institutional investors. 49.6% of Pagaya Technologies shares are held by company insiders. Comparatively, 12.0% of Chemung Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

Pagaya Technologies and Chemung Financial tied by winning 9 of the 18 factors compared between the two stocks.