WallStSmart

Crowdstrike Holdings Inc (CRWD)vsPagaya Technologies Ltd. (PGY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Crowdstrike Holdings Inc generates 283% more annual revenue ($5.09B vs $1.33B). PGY leads profitability with a 7.4% profit margin vs -0.6%. PGY appears more attractively valued with a PEG of 0.05. PGY earns a higher WallStSmart Score of 70/100 (B).

CRWD

Hold

39

out of 100

Grade: F

Growth: 9.3Profit: 2.0Value: 3.0Quality: 6.0
Piotroski: 2/9Altman Z: 1.00

PGY

Strong Buy

70

out of 100

Grade: B

Growth: 8.7Profit: 7.5Value: 7.3Quality: 6.5
Piotroski: 5/9Altman Z: 1.51
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CRWDSignificantly Overvalued (-82.3%)

Margin of Safety

-82.3%

Fair Value

$99.74

Current Price

$179.38

$79.64 premium

UndervaluedFair: $99.74Overvalued
PGYFair Value (-0.3%)

Margin of Safety

-0.3%

Fair Value

$12.83

Current Price

$17.64

$4.81 premium

UndervaluedFair: $12.83Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CRWD4 strengths · Avg: 9.0/10
EPS GrowthGrowth
533.0%10/10

Earnings expanding 533.0% YoY

Market CapQuality
$191.86B9/10

Large-cap with strong market position

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

Revenue GrowthGrowth
25.6%8/10

Revenue surging 25.6% year-over-year

PGY5 strengths · Avg: 8.8/10
PEG RatioValuation
0.0510/10

Growing faster than its price suggests

EPS GrowthGrowth
183.8%10/10

Earnings expanding 183.8% YoY

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
25.2%8/10

Strong operational efficiency at 25.2%

Areas to Watch

CRWD4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
6.222/10

Expensive relative to growth rate

Price/BookValuation
39.4x2/10

Trading at 39.4x book value

Return on EquityProfitability
-0.5%2/10

ROE of -0.5% — below average capital efficiency

PGY4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.514/10

Distress zone — elevated risk

Market CapQuality
$1.45B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.4%3/10

7.4% margin — thin

Debt/EquityHealth
1.753/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : CRWD

The strongest argument for CRWD centers on EPS Growth, Market Cap, Debt/Equity. Revenue growth of 25.6% demonstrates continued momentum.

Bull Case : PGY

The strongest argument for PGY centers on PEG Ratio, EPS Growth, P/E Ratio. PEG of 0.05 suggests the stock is reasonably priced for its growth.

Bear Case : CRWD

The primary concerns for CRWD are Piotroski F-Score, PEG Ratio, Price/Book.

Bear Case : PGY

The primary concerns for PGY are Altman Z-Score, Market Cap, Profit Margin. Debt-to-equity of 1.75 is elevated, increasing financial risk.

Key Dynamics to Monitor

CRWD profiles as a growth stock while PGY is a value play — different risk/reward profiles.

PGY carries more volatility with a beta of 5.34 — expect wider price swings.

CRWD is growing revenue faster at 25.6% — sustainability is the question.

CRWD generates stronger free cash flow (493M), providing more financial flexibility.

Bottom Line

PGY scores higher overall (70/100 vs 39/100). Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Crowdstrike Holdings Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

CrowdStrike Holdings, Inc. provides cloud solutions for endpoint and cloud workload protection in the United States, Australia, Germany, India, Israel, Romania, and the United Kingdom. The company is headquartered in Sunnyvale, California.

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Pagaya Technologies Ltd.

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Pagaya Technologies Ltd. is a financial technology company in Israel, the United States and the Cayman Islands. The company is headquartered in Tel Aviv, Israel.

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