Comparing BlackBerry (NYSE:BB) & Pagaya Technologies (NASDAQ:PGY)

Pagaya Technologies (NASDAQ:PGY) and BlackBerry (NYSE:BB) are both technology companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, earnings, risk, profitability, dividends, valuation and analyst recommendations.

Analyst Ratings

This is a summary of current ratings and recommmendations for Pagaya Technologies and BlackBerry, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pagaya Technologies	0	1	8	3	3.17
BlackBerry	1	8	2	0	2.09

Pagaya Technologies presently has a consensus price target of $31.25, indicating a potential upside of 35.99%. BlackBerry has a consensus price target of $8.92, indicating a potential upside of 16.17%. Given Pagaya Technologies’ stronger consensus rating and higher possible upside, equities analysts clearly believe Pagaya Technologies is more favorable than BlackBerry.

Profitability

This table compares Pagaya Technologies and BlackBerry’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Pagaya Technologies	9.12%	51.56%	19.01%
BlackBerry	10.31%	11.66%	7.07%

Insider & Institutional Ownership

57.1% of Pagaya Technologies shares are owned by institutional investors. Comparatively, 54.5% of BlackBerry shares are owned by institutional investors. 42.0% of Pagaya Technologies shares are owned by insiders. Comparatively, 0.5% of BlackBerry shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Pagaya Technologies and BlackBerry”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pagaya Technologies	$1.33 billion	1.45	$81.39 million	$1.36	16.90
BlackBerry	$549.10 million	8.21	$53.20 million	$0.09	85.33

Pagaya Technologies has higher revenue and earnings than BlackBerry. Pagaya Technologies is trading at a lower price-to-earnings ratio than BlackBerry, indicating that it is currently the more affordable of the two stocks.

Volatility and Risk

Pagaya Technologies has a beta of 5.35, indicating that its share price is 435% more volatile than the S&P 500. Comparatively, BlackBerry has a beta of 2.23, indicating that its share price is 123% more volatile than the S&P 500.

Summary

Pagaya Technologies beats BlackBerry on 12 of the 15 factors compared between the two stocks.

About Pagaya Technologies

Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial institutions and investors in the United States, Israel, the Cayman Islands, and internationally. The company develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include high-growth financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. Pagaya Technologies Ltd. was incorporated in 2016 and is headquartered in New York, New York.

About BlackBerry

BlackBerry Limited provides intelligent security software and services to enterprises and governments worldwide. The company operates through three segments: Cybersecurity, IoT, and Licensing and Other. The company offers CylanceENDPOINT, an integrated endpoint security solution; CylanceGUARD, a managed detection and response solution; CylanceEDGE, an AI-powered continuous authentication zero trust network access solution; CylanceINTELLIGENCE, a contextual cyber threat intelligence service; BlackBerry Dynamics offers a development platform and secure container for mobile applications; BlackBerry Workspaces a secure Enterprise File Sync and Share (EFSS) solution; BlackBerry Messenger (BBM) Enterprise, an enterprise-grade secure instant messaging solution for messaging, voice and video; BlackBerry SecuSUITE is a certified, multi-OS voice and text messaging solution; BlackBerry AtHoc, a secure networked critical event management solution; and BlackBerry unified endpoint management (UEM) solutions. It also provides BlackBerry Technology Solutions (BTS); BlackBerry Certicom, a patented elliptic curve cryptography, which provides device security, anti-counterfeiting and product authentication solutions; BlackBerry Radar offers monitoring and telematics solutions; BlackBerry Professional; and cyber security consulting services. In addition, the company is involved in the patent licensing and legacy service access fees business. The company was formerly known as Research In Motion Limited and changed its name to BlackBerry Limited in July 2013. BlackBerry Limited was incorporated in 1984 and is headquartered in Waterloo, Canada.