Pagaya Technologies Ltd. (PGY)vsTaiwan Semiconductor Manufacturing (TSM)
PGY
Pagaya Technologies Ltd.
$14.56
-5.82%
TECHNOLOGY · Cap: $1.25B
TSM
Taiwan Semiconductor Manufacturing
$415.17
+0.68%
TECHNOLOGY · Cap: $2.18T
Smart Verdict
WallStSmart Research — data-driven comparison
Taiwan Semiconductor Manufacturing generates 308623% more annual revenue ($4.10T vs $1.33B). TSM leads profitability with a 46.5% profit margin vs 7.4%. PGY appears more attractively valued with a PEG of 0.04. TSM earns a higher WallStSmart Score of 84/100 (A-).
PGY
Strong Buy73
out of 100
Grade: B
TSM
Exceptional Buy84
out of 100
Grade: A-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+1.4%
Fair Value
$13.06
Current Price
$14.56
$1.50 discount
Margin of Safety
+49.5%
Fair Value
$839.44
Current Price
$415.17
$424.27 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 183.8% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.2%
Mega-cap, among the largest globally
Every $100 of equity generates 33 in profit
Keeps 47 of every $100 in revenue as profit
Strong operational efficiency at 58.1%
Revenue surging 35.1% year-over-year
Earnings expanding 58.4% YoY
Areas to Watch
Smaller company, higher risk/reward
7.4% margin — thin
Elevated debt levels
Distress zone — elevated risk
Premium valuation, high expectations priced in
Trading at 63.5x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : PGY
The strongest argument for PGY centers on PEG Ratio, EPS Growth, P/E Ratio. PEG of 0.04 suggests the stock is reasonably priced for its growth.
Bull Case : TSM
The strongest argument for TSM centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.5% and operating margin at 58.1%. Revenue growth of 35.1% demonstrates continued momentum.
Bear Case : PGY
The primary concerns for PGY are Market Cap, Profit Margin, Debt/Equity. Debt-to-equity of 1.81 is elevated, increasing financial risk.
Bear Case : TSM
The primary concerns for TSM are P/E Ratio, Price/Book.
Key Dynamics to Monitor
PGY profiles as a value stock while TSM is a growth play — different risk/reward profiles.
PGY carries more volatility with a beta of 5.44 — expect wider price swings.
TSM is growing revenue faster at 35.1% — sustainability is the question.
TSM generates stronger free cash flow (377.1B), providing more financial flexibility.
Bottom Line
TSM scores higher overall (84/100 vs 73/100), backed by strong 46.5% margins and 35.1% revenue growth. Both earn "Exceptional Buy" and "Strong 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.
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.
Taiwan Semiconductor Manufacturing
TECHNOLOGY · SEMICONDUCTORS · USA
Taiwan Semiconductor Manufacturing Company, Limited is a Taiwanese multinational semiconductor contract manufacturing and design company. It is one of Taiwan's largest companies, the world's most valuable semiconductor company, and the world's largest dedicated independent (pure-play) semiconductor foundry, with its headquarters and main operations located in the Hsinchu Science Park in Hsinchu, Taiwan. It is majority owned by foreign investors.
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