Atlanticus (ATLC) vs Pagaya Technologies (PGY)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Atlanticus (ATLC) has outperformed Pagaya Technologies (PGY) over the past year, gaining 62.1% versus a loss of 39.9%. Over five years, ATLC leads with a +50.4% price change compared with -84.7% for PGY. Pagaya Technologies is the larger company by market cap ($1.52 billion vs $1.42 billion), about 1.1 times the size.
On valuation, Pagaya Technologies trades at a lower forward P/E (4.4x vs 6.9x for Atlanticus).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ATLC | PGY |
|---|---|---|
| Share price | $93.73 | $18.22 |
| Market cap | $1.42B | $1.52B |
| 1-day change | +2.16% | -0.22% |
| YTD return | +40.00% | -12.82% |
| 1-year return | +62.13% | -39.91% |
| 5-year return | +50.45% | -84.69% |
| P/E ratio (TTM) | 12.17 | 13.20 |
| Forward P/E | 6.89 | 4.44 |
| EPS (TTM) | $7.70 | $1.38 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | — | $1.30B |
| Revenue growth (YoY) | — | +26.07% |
| Net income (latest FY) | — | $81.39M |
| Gross margin | — | 42.43% |
| Operating margin | — | 20.27% |
| Net margin | — | 6.25% |
| 52-week high | $114.34 | $31.06 |
| 52-week low | $47.50 | $10.40 |
| Distance from 52-week high | -18.03% | -41.34% |
| Analyst consensus | strong_buy | strong_buy |
| Avg. price target upside | +39.34% | +58.18% |
| Average volume | 142.70K | 2.56M |
| Shares outstanding | 15.17M | 72.14M |
| Employees | 576 | 493 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- ATLC has outperformed PGY by 102.0 percentage points over the past year.
About Atlanticus
ATLC stock →Atlanticus Holdings Corporation, a financial technology company, provides products and services to lenders in the United States. The company operates in two segments, Credit as a Service (CaaS) and Auto Finance.
Finance · Finance: Consumer Services · 576 employees
About Pagaya Technologies
PGY stock →Pagaya Technologies Ltd., a product-focused technology company, deploys data science and proprietary artificial intelligence-powered technology for financial services, their customers, and institutional or sophisticated investors in the United States, Israel, and the Cayman Islands. The company offers Decline Monetization, the flagship product which allows Partners to automatically send rejected loan applications to its network, as well as approve customers they would otherwise decline; Dual Look which allows to assess applications concurrently with its Partners in real time; and First Look that routes designated segments of loan applications to the network for evaluation.It also provides Affiliate Optimizer Engine, a customer acquisition tool which enables Partners to originate loans through third-party affiliate channels; Direct Marketing Engine, that utilizes data network to help Partners target and acquire new customers through direct channels; and FastPass which accelerates the transaction process.
Finance · Finance: Consumer Services · 493 employees
ATLC vs PGY FAQ
Which is bigger, Atlanticus or Pagaya Technologies?
Pagaya Technologies (PGY) is larger, with a market capitalization of $1.52B compared with $1.42B for Atlanticus (ATLC).
Which stock has performed better over the past year, ATLC or PGY?
ATLC returned +62.13% over the past 12 months, compared with -39.91% for PGY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ATLC or PGY?
ATLC has the lower trailing P/E at 12.2, versus 13.2 for PGY. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Atlanticus and Pagaya Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.