COMPARE · Reviewed August 3, 2026
FIS vs PGY
Verdict: Side-by-side breakdown using the Bull Rankings model. FIS scored 76.3, PGY scored 88.5 — PGY leads.
Compare another set
Different reporting periods. PGY's fundamentals are as of June 2026, but FIS's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
FIS
Fidelity National Information Services, Inc.
76.3
$44.78 · $23.1B
fundamentals as of
Score gap
12.2
PGY leads
PGY
Pagaya Technologies Ltd.
88.5
$22.23 · $1.9B
fundamentals as of
The model, pillar by pillar (0–100 each)
FIS
stronger →← stronger
PGY
67
Qualityreturns · margins · balance sheet
70
72
Growthrevenue & earnings expansion
100
92
Valuevaluation vs sector peers
99
PGY is stronger on 3 of 3 pillars.
Fundamentals, head-to-head
FIS
PGY
$2.7bB
FCF
$252mC
+12.3%B+
Rev
+25.6%A-
1.32C
D/E
1.34C
8.7xA
P/E
15.8xA-
0.25A
PEG
0.05A
Winner per row is the stronger grade in our model; a tie or a missing value shows no highlight.
Valuation · DCF cross-check
FIS
PGY
57% below
Price vs fair valuelower is cheaper
54% below
~-13%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-13%/yr
+113%
1-yr DCF upside
+108%
+131%
5-yr DCF upside
+119%
+160%
10-yr DCF upside
+137%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
FIS
Why this score
- Raising its dividend
PGY
Why this score
- Durable high returns
- Diluting shareholders
The companies
FISFidelity National Information Services, Inc.
Why now
Information Technology Services · market cap $23.1b. Down 44% from 52-week high of $79.32 — deep drawdown territory. Revenue growing +12%, comfortably above the S&P median. PEG 0.25 — paying under fair value for the growth rate. 22 sell-side analysts rate this a Buy with a mean 1-yr target of $56.55 (implying +26% upside).
Moat
Net margin 23% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 101% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 44% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up.
PGYPagaya Technologies Ltd.
Why now
Software - Infrastructure · market cap $1.9b. Down 51% from 52-week high of $44.99 — deep drawdown territory. Revenue growing +26% — in hypergrowth territory. PEG 0.05 — paying under fair value for the growth rate. 10 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $28.50 (implying +28% upside).
Moat
ROE 19% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income — non-cash charges (depreciation, intangible amortization) are holding down GAAP earnings while cash generation stays strong. 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 51% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Beta 5.37 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.