Pagaya Technologies (NASDAQ:PGY – Get Free Report) and Network International (OTCMKTS:NWITY – Get Free Report) are both business services companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, institutional ownership, analyst recommendations, risk, valuation, dividends and profitability.
Analyst Ratings
This is a breakdown of recent ratings for Pagaya Technologies and Network International, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pagaya Technologies | 0 | 2 | 4 | 0 | 2.67 |
| Network International | 0 | 3 | 0 | 0 | 2.00 |
Pagaya Technologies presently has a consensus price target of $3.43, suggesting a potential upside of 78.82%. Given Pagaya Technologies’ stronger consensus rating and higher possible upside, analysts clearly believe Pagaya Technologies is more favorable than Network International.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| Pagaya Technologies | -26.78% | -11.21% | -7.65% |
| Network International | N/A | N/A | N/A |
Valuation and Earnings
This table compares Pagaya Technologies and Network International’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pagaya Technologies | $724.73 million | 1.88 | -$302.32 million | ($0.29) | -6.62 |
| Network International | N/A | N/A | N/A | N/A | N/A |
Network International has lower revenue, but higher earnings than Pagaya Technologies.
Insider & Institutional Ownership
57.1% of Pagaya Technologies shares are owned by institutional investors. 19.7% of Pagaya Technologies shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Summary
Pagaya Technologies beats Network International on 6 of the 9 factors compared between the two stocks.
About Pagaya Technologies
Pagaya Technologies Ltd. operates as a financial technology company in Israel, the United States, and internationally. It primarily develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. The company's 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 Tel Aviv, Israel.
About Network International
Network International Holdings plc operates as a digital commerce enabler in the Middle East and Africa. The company provides technology-enabled payment solutions to merchants and financial institutions. It also offers merchant solutions, which include payment solutions, such as N-genius payment device, N-genius mobile app, mobility, and unattended solutions; and N-Genius online, buy now pay later, and DPO pay online payment solutions. In addition, the company provides value-added services, including SmartView interactive dashboards, SmartView performance report, dynamic currency conversion, multicurrency online, easy payment plan, 3D secure, and network self-services; and acquiring processing and smart bundle solutions. Further, it offers card and processing solutions comprising debit and credit card, prepaid card, and commercial card solutions; fraud solutions; loyalty solutions; instant issuance, card control, 3D secure, SmartView, API, and payment plan services; and issuer services. Network International Holdings plc was founded in 1994 and is headquartered in Dubai, the United Arab Emirates.
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