COMPARE · Data as of August 21, 2026
NVDA vs PGY
Verdict: Side-by-side breakdown using the Bull Rankings model. NVDA scored 85.9, PGY scored 86.2 — PGY leads.
Compare another set
NVDA
NVIDIA Corporation
85.9
$216.85 · $5.3T
fundamentals as of
Score gap
0.3
PGY leads
PGY
Pagaya Technologies Ltd.
86.2
$20.24 · $1.7B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestPGY14.4x
- Fastest growthNVDA+70.7%
- Strongest balance sheetNVDA0.07
- Highest qualityNVDA88 / 100
- Largest discount to fair valuePGY-60%
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)
NVDA
stronger →← stronger
PGY
88
Qualityreturns · margins · balance sheet
70
99
Growthrevenue & earnings expansion
92
73
Valuevaluation vs sector peers
99
NVDA is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
NVDA
PGY
$119.1bA
FCF
$252mC
+70.7%A
Rev
+25.6%A-
0.07B+
D/E
1.34C
33.2xB
P/E
14.4xA-
0.60A-
PEG
0.04A
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
NVDA
PGY
228% above
Price vs fair valuelower is cheaper
60% below
~50%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-15%/yr
-76%
1-yr DCF upside
+133%
-69%
5-yr DCF upside
+153%
-57%
10-yr DCF upside
+185%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
NVDA
Why this score
- Raising its dividend
- Durable high returns
PGY
Why this score
- Durable high returns
- Diluting shareholders
The companies
NVDANVIDIA Corporation
Why now
Semiconductors · market cap $5.3T. 8% off the 52-week high of $236.54. Revenue growing +71% — in hypergrowth territory. PEG 0.60 — paying under fair value for the growth rate. 58 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $304.12 (implying +40% upside).
Moat
Net margin 63% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 82% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. $5.3T market cap places it among the largest companies in the sector — distribution, R&D, and customer-acquisition costs amortize across a base peers can't replicate.
Risk
Beta 2.21 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. Trailing P/E 33x sits well above the S&P median (~20x) — multiple compression is a real risk if revenue growth decelerates. P/S 20.7x embeds aggressive forward growth — disappointing top-line guidance would compress the multiple hard.
PGYPagaya Technologies Ltd.
Why now
Software - Infrastructure · market cap $1.7b. Down 55% from 52-week high of $44.99 — deep drawdown territory. Revenue growing +26% — in hypergrowth territory. PEG 0.04 — paying under fair value for the growth rate. 10 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $29.20 (implying +44% 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 55% 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
PGY is the model leader (88.5) primarily due to its exceptional Value pillar score of 99, significantly outpacing NVDA’s 73, and reflected in its A-grade P/E of 15.8x. However, a contrarian might favor NVDA for its superior Quality pillar of 88, evidenced by its A-grade FCF of $119.1 billion and B+ D/E of 0.07, indicating much stronger financial health. A key caveat for PGY is the model signal "Diluting shareholders," which warrants caution despite its overall score.
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 NVDA and PGY diverge
The two are effectively level on the headline score. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- ValueNVDA 72.6 · PGY 99.2PGY +26.6
- QualityNVDA 87.8 · PGY 70.1NVDA +17.7
- GrowthNVDA 99.5 · PGY 91.9NVDA +7.6
Pillars run 0–100 against sector peers, so a 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.