Pagaya Technologies (NASDAQ:PGY – Get Free Report) and HIVE Digital Technologies (NASDAQ:HIVE – Get Free Report) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, analyst recommendations, valuation, earnings, risk, institutional ownership and profitability.
Earnings and Valuation
This table compares Pagaya Technologies and HIVE Digital Technologies”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pagaya Technologies | $812.05 million | 0.99 | -$128.44 million | ($2.54) | -4.30 |
| HIVE Digital Technologies | $114.46 million | 4.66 | -$51.21 million | ($0.14) | -29.14 |
HIVE Digital Technologies has lower revenue, but higher earnings than Pagaya Technologies. HIVE Digital Technologies is trading at a lower price-to-earnings ratio than Pagaya Technologies, indicating that it is currently the more affordable of the two stocks.
Risk and Volatility
Insider and Institutional Ownership
57.1% of Pagaya Technologies shares are owned by institutional investors. Comparatively, 24.4% of HIVE Digital Technologies shares are owned by institutional investors. 49.6% of Pagaya Technologies shares are owned by company insiders. Comparatively, 9.4% of HIVE Digital Technologies shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Profitability
This table compares Pagaya Technologies and HIVE Digital Technologies’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Pagaya Technologies | -18.48% | 1.01% | 0.47% |
| HIVE Digital Technologies | -12.04% | -10.78% | -8.97% |
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Pagaya Technologies and HIVE Digital Technologies, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pagaya Technologies | 0 | 2 | 7 | 0 | 2.78 |
| HIVE Digital Technologies | 0 | 0 | 5 | 1 | 3.17 |
Pagaya Technologies currently has a consensus target price of $22.11, indicating a potential upside of 102.30%. HIVE Digital Technologies has a consensus target price of $7.40, indicating a potential upside of 81.37%. Given Pagaya Technologies’ higher possible upside, analysts clearly believe Pagaya Technologies is more favorable than HIVE Digital Technologies.
Summary
Pagaya Technologies beats HIVE Digital Technologies on 9 of the 15 factors compared between the two stocks.
About Pagaya Technologies
Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial institutions and investors in the United States, Israel, the Cayman Islands, and internationally. The company develops and implements proprietary artificial intelligence technology and related software solutions to assist partners to originate loans and other assets. Its partners include high-growth financial technology companies, incumbent banks and financial institutions, auto finance providers, and residential real estate service providers. Pagaya Technologies Ltd. was incorporated in 2016 and is headquartered in New York, New York.
About HIVE Digital Technologies
HIVE Digital Technologies Ltd. operates as a cryptocurrency mining company in Canada, Sweden, and Iceland. The company engages in the mining and sale of digital currencies, including Ethereum Classic, Bitcoin, and other coins. It also operates data centers; and offers infrastructure solutions. The company was formerly known as HIVE Blockchain Technologies Ltd. and changed its name to HIVE Digital Technologies Ltd. in July 2023. HIVE Digital Technologies Ltd. was incorporated in 1987 and is headquartered in Vancouver, Canada.
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