Verdict: Side-by-side breakdown using the Bull Rankings model. ACIW scored 69.3, PGY scored 82.0 — PGY leads.
Compare another set
ACIW
ACI Worldwide, Inc.
Software - Infrastructure · Quality-Growth
69.3
$50.87 · $5.1B
fundamentals as of
Score gap
12.7
PGY leads
PGY
Pagaya Technologies Ltd.
Software - Infrastructure · Quality-Growth
82
$18.22 · $1.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestPGY13.2x
Fastest growthPGY+25.6%
Strongest balance sheetACIW0.58
Highest qualityACIW71 / 100
Largest discount to fair valuePGY-58%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
ACIW
stronger →← stronger
PGY
71
Qualityreturns · margins · balance sheet
70
77
Growthrevenue & earnings expansion
88
61
Valuevaluation vs sector peers
90
PGY is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
ACIW
PGY
$285mC
FCF
$252mC
+10.4%B
Rev
+25.6%A-
0.58C+
D/E
1.34C
23.2xB+
P/E
13.2xA
1.78C+
PEG
0.03A
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
ACIW
PGY
7% above
Price vs fair valuelower is cheaper
58% below
~8%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~-7%/yr
-13%
1-yr DCF upside
+84%
-7%
5-yr DCF upside
+136%
+2%
10-yr DCF upside
+232%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
ACIW
Why this score
Buying back stock
PGY
Why this score
Durable high returns
Diluting shareholders
The companies
ACIWACI Worldwide, Inc.
Software - Infrastructure · $50.87 · beta 0.99
Why now
Software - Infrastructure · market cap $5.1b. 17% off the 52-week high of $61.08. Revenue growing +10%, comfortably above the S&P median. 3 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $67.33 (implying +32% upside).
Moat
Net margin 12% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 16% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 126% of net income — earnings translate cleanly into cash.
Risk
Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
PGYPagaya Technologies Ltd.
Software - Infrastructure · $18.22 · beta 5.52
Why now
Software - Infrastructure · market cap $1.5b. Down 41% from 52-week high of $31.06 — deep drawdown territory. Revenue growing +26% — in hypergrowth territory. PEG 0.03 — paying under fair value for the growth rate. 11 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $28.82 (implying +58% upside).
Moat
ROE 19% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Down 41% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Beta 5.52 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where ACIW and PGY diverge
On the headline score the gap is 12.7 points in favor of PGY. The widest single difference is Value, where PGY leads by 28.6 points.
ValueACIW 61.2 · PGY 89.8PGY +28.6
GrowthACIW 76.7 · PGY 87.5PGY +10.8
QualityACIW 71.1 · PGY 70.1level
Pillars run 0–100. Value is judged against each company's own sector, so a Value score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.
Common questions
Is PGY or ACIW the better stock?
PGY scores higher: PGY 82.0, ACIW 69.3 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do PGY and ACIW differ most?
The widest gap is value, where PGY leads by 29 points on the 0–100 pillar scale. PGY also leads growth, while quality is effectively level between them.
How are PGY and ACIW scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.