Pagaya Technologies (PGY) Competitors

Pagaya Technologies (NASDAQ:PGY) and United Community Banks (NASDAQ:UCB) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their profitability, community ranking, valuation, media sentiment, earnings, analyst recommendations, risk, institutional ownership and dividends.

Do analysts rate PGY or UCB?

Pagaya Technologies currently has a consensus target price of $20.61, indicating a potential upside of 117.99%. United Community Banks has a consensus target price of $32.75, indicating a potential upside of 32.39%. Given Pagaya Technologies' stronger consensus rating and higher possible upside, analysts plainly believe Pagaya Technologies is more favorable than United Community Banks.

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
United Community Banks	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Is PGY or UCB more profitable?

United Community Banks has a net margin of 16.48% compared to Pagaya Technologies' net margin of -39.20%. United Community Banks' return on equity of 8.64% beat Pagaya Technologies' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pagaya Technologies	-39.20%	0.82%	0.36%
United Community Banks	16.48%	8.64%	1.04%

Which has higher valuation & earnings, PGY or UCB?

United Community Banks has lower revenue, but higher earnings than Pagaya Technologies. Pagaya Technologies is trading at a lower price-to-earnings ratio than United Community Banks, 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	0.71	-$401.41M	-$5.50	-1.72
United Community Banks	$930.04M	3.18	$252.40M	$2.04	12.13

Which has more volatility and risk, PGY or UCB?

Pagaya Technologies has a beta of 5.89, indicating that its share price is 489% more volatile than the S&P 500. Comparatively, United Community Banks has a beta of 0.8, indicating that its share price is 20% less volatile than the S&P 500.

Does the MarketBeat Community favor PGY or UCB?

Pagaya Technologies received 27 more outperform votes than United Community Banks when rated by MarketBeat users. Likewise, 72.50% of users gave Pagaya Technologies an outperform vote while only 28.57% of users gave United Community Banks an outperform vote.

Company	Underperform	Outperform
Pagaya Technologies	Outperform Votes 29 72.50%	Underperform Votes 11 27.50%
United Community Banks	Outperform Votes 2 28.57%	Underperform Votes 5 71.43%

Do institutionals and insiders believe in PGY or UCB?

57.1% of Pagaya Technologies shares are owned by institutional investors. Comparatively, 82.3% of United Community Banks shares are owned by institutional investors. 49.6% of Pagaya Technologies shares are owned by insiders. Comparatively, 0.5% of United Community Banks shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Does the media favor PGY or UCB?

In the previous week, United Community Banks had 2 more articles in the media than Pagaya Technologies. MarketBeat recorded 10 mentions for United Community Banks and 8 mentions for Pagaya Technologies. United Community Banks' average media sentiment score of 1.61 beat Pagaya Technologies' score of 0.71 indicating that United Community Banks is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Pagaya Technologies	4 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
United Community Banks	8 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Summary

United Community Banks beats Pagaya Technologies on 10 of the 18 factors compared between the two stocks.