PGY vs UPST

Pagaya Technologies (PGY) maintains strong 10x growth potential within 3-5 years, leveraging its AI-driven credit infrastructure and expanding into new verticals like auto loans. The confirmation of solid FY2025 financial performance with GAAP net income of $81 million, revenue of $1.3 billion, and Adj. EBITDA of $371 million underscores its sustainable profitability and operational efficiency. Th...

Upstart continues to possess a compelling long-term vision to disrupt the multi-trillion-dollar credit market with its AI-driven lending platform, and the strategic pivot towards a capital-light model is showing tangible progress, evidenced by the $1.2B Centerbridge forward-flow agreement. The company achieved GAAP profitability in FY 2025 with improving EBITDA margins, a significant positive shif...