COMPARE · Data as of August 28, 2026
EEFT vs PGY
Verdict: Side-by-side breakdown using the Bull Rankings model. EEFT scored 76.2, PGY scored 86.1 — PGY leads.
Compare another set
EEFT
Euronet Worldwide, Inc.
76.2
$69.95 · $2.6B
fundamentals as of
Score gap
9.9
PGY leads
PGY
Pagaya Technologies Ltd.
86.1
$21.98 · $1.8B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestEEFT11.1x
- Fastest growthPGY+25.6%
- Strongest balance sheetPGY1.34
- Highest qualityPGY70 / 100
- Largest discount to fair valuePGY-57%
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)
EEFT
stronger →← stronger
PGY
65
Qualityreturns · margins · balance sheet
70
72
Growthrevenue & earnings expansion
92
94
Valuevaluation vs sector peers
99
PGY is stronger on 3 of 3 pillars.
Fundamentals, head-to-head
EEFT
PGY
$269mC
FCF
$252mC
+6.4%C+
Rev
+25.6%A-
2.25D
D/E
1.34C
11.1xA
P/E
15.6xA-
0.51A-
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
EEFT
PGY
52% below
Price vs fair valuelower is cheaper
57% below
~-10%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-14%/yr
+88%
1-yr DCF upside
+115%
+109%
5-yr DCF upside
+133%
+145%
10-yr DCF upside
+162%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
EEFT
Why this score
- Buying back stock
- Durable high returns
PGY
Why this score
- Durable high returns
- Diluting shareholders
The companies
EEFTEuronet Worldwide, Inc.
Why now
Software - Infrastructure · market cap $2.6b. Down 26% from 52-week high of $94.21 — deep drawdown territory. PEG 0.51 — paying under fair value for the growth rate. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $86.67 (implying +24% upside).
Moat
ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. 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
D/E 2.25 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Customer concentration — many software businesses depend on a handful of enterprise accounts; the loss of one $10M+ contract can swing the next quarter's growth narrative.
PGYPagaya Technologies Ltd.
Why now
Software - Infrastructure · market cap $1.8b. Down 51% 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 +33% 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.
Where EEFT and PGY diverge
On the headline score the gap is 9.9 points in favor of PGY. The widest single difference is Growth, where PGY leads by 19.6 points.
- GrowthEEFT 72.3 · PGY 91.9PGY +19.6
- QualityEEFT 65.0 · PGY 70.1PGY +5.1
- ValueEEFT 94.1 · PGY 99.0PGY +4.9
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.