WallStSmart

Intel Corporation (INTC)vsPagaya Technologies Ltd. (PGY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Intel Corporation generates 4031% more annual revenue ($53.76B vs $1.30B). PGY leads profitability with a 6.3% profit margin vs -5.9%. PGY appears more attractively valued with a PEG of 0.04. PGY earns a higher WallStSmart Score of 65/100 (C+).

INTC

Hold

37

out of 100

Grade: F

Growth: 3.3Profit: 3.5Value: 5.7Quality: 7.0
Piotroski: 5/9Altman Z: 1.69

PGY

Buy

65

out of 100

Grade: C+

Growth: 7.3Profit: 6.5Value: 9.3Quality: 5.5
Piotroski: 4/9Altman Z: 0.54
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INTCSignificantly Overvalued (-30.5%)

Margin of Safety

-30.5%

Fair Value

$34.96

Current Price

$94.48

$59.52 premium

UndervaluedFair: $34.96Overvalued
PGYUndervalued (+76.8%)

Margin of Safety

+76.8%

Fair Value

$55.51

Current Price

$12.91

$42.59 discount

UndervaluedFair: $55.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INTC2 strengths · Avg: 10.0/10
Market CapQuality
$474.86B10/10

Mega-cap, among the largest globally

PEG RatioValuation
0.5010/10

Growing faster than its price suggests

PGY5 strengths · Avg: 8.4/10
PEG RatioValuation
0.0410/10

Growing faster than its price suggests

P/E RatioValuation
13.9x8/10

Attractively priced relative to earnings

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.8%8/10

Strong operational efficiency at 23.8%

Revenue GrowthGrowth
19.8%8/10

19.8% revenue growth

Areas to Watch

INTC4 concerns · Avg: 2.5/10
Altman Z-ScoreHealth
1.694/10

Distress zone — elevated risk

Return on EquityProfitability
-2.9%2/10

ROE of -2.9% — below average capital efficiency

EPS GrowthGrowth
-71.7%2/10

Earnings declined 71.7%

Free Cash FlowQuality
$-2.54B2/10

Negative free cash flow — burning cash

PGY4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.07B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
6.3%3/10

6.3% margin — thin

Debt/EquityHealth
1.713/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : INTC

The strongest argument for INTC centers on Market Cap, PEG Ratio. PEG of 0.50 suggests the stock is reasonably priced for its growth.

Bull Case : PGY

The strongest argument for PGY centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 19.8% demonstrates continued momentum. PEG of 0.04 suggests the stock is reasonably priced for its growth.

Bear Case : INTC

The primary concerns for INTC are Altman Z-Score, Return on Equity, EPS Growth.

Bear Case : PGY

The primary concerns for PGY are EPS Growth, Market Cap, Profit Margin. Debt-to-equity of 1.71 is elevated, increasing financial risk.

Key Dynamics to Monitor

INTC profiles as a turnaround stock while PGY is a growth play — different risk/reward profiles.

PGY carries more volatility with a beta of 5.76 — expect wider price swings.

PGY is growing revenue faster at 19.8% — sustainability is the question.

PGY generates stronger free cash flow (77M), providing more financial flexibility.

Bottom Line

PGY scores higher overall (65/100 vs 37/100) and 19.8% revenue growth. Both earn "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.

Intel Corporation

TECHNOLOGY · SEMICONDUCTORS · USA

Intel Corporation is an American multinational corporation and technology company headquartered in Santa Clara, California, in Silicon Valley. It is the world's largest semiconductor chip manufacturer by revenue, and is the developer of the x86 series of microprocessors, the processors found in most personal computers (PCs).

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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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