WallStSmart

Palo Alto Networks Inc (PANW)vsPagaya Technologies Ltd. (PGY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Palo Alto Networks Inc generates 660% more annual revenue ($9.89B vs $1.30B). PANW leads profitability with a 13.0% profit margin vs 6.3%. PGY appears more attractively valued with a PEG of 0.03. PGY earns a higher WallStSmart Score of 67/100 (B-).

PANW

Buy

58

out of 100

Grade: C

Growth: 8.0Profit: 7.0Value: 2.0Quality: 5.0
Piotroski: 1/9Altman Z: 1.02

PGY

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 6.5Value: 7.3Quality: 7.0
Piotroski: 4/9Altman Z: 0.54
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PANWSignificantly Overvalued (-81.9%)

Margin of Safety

-81.9%

Fair Value

$84.24

Current Price

$153.22

$68.98 premium

UndervaluedFair: $84.24Overvalued
PGYSignificantly Overvalued (-97.1%)

Margin of Safety

-97.1%

Fair Value

$6.53

Current Price

$11.59

$5.06 premium

UndervaluedFair: $6.53Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PANW3 strengths · Avg: 9.7/10
EPS GrowthGrowth
60.5%10/10

Earnings expanding 60.5% YoY

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Market CapQuality
$128.28B9/10

Large-cap with strong market position

PGY5 strengths · Avg: 8.4/10
PEG RatioValuation
0.0310/10

Growing faster than its price suggests

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

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

PANW4 concerns · Avg: 2.8/10
Price/BookValuation
11.5x4/10

Trading at 11.5x book value

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
2.962/10

Expensive relative to growth rate

P/E RatioValuation
87.3x2/10

Premium valuation, high expectations priced in

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

0.0% earnings growth

Market CapQuality
$956.48M3/10

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 : PANW

The strongest argument for PANW centers on EPS Growth, Debt/Equity, Market Cap. Revenue growth of 14.9% demonstrates continued momentum.

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 0.03 suggests the stock is reasonably priced for its growth.

Bear Case : PANW

The primary concerns for PANW are Price/Book, Piotroski F-Score, PEG Ratio. A P/E of 87.3x leaves little room for execution misses.

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

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

PGY carries more volatility with a beta of 5.94 — expect wider price swings.

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

PANW generates stronger free cash flow (470M), providing more financial flexibility.

Bottom Line

PGY scores higher overall (67/100 vs 58/100) and 19.8% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Palo Alto Networks Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Palo Alto Networks, Inc. provides cybersecurity platform solutions globally. The company is headquartered in Santa Clara, California.

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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