Pagaya Technologies (PGY) vs UWM (UWMC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Pagaya Technologies (PGY) has outperformed UWM (UWMC) over the past year, losing 40.1% versus a loss of 78.9%. Over five years, UWMC leads with a -84.1% price change compared with -84.8% for PGY. UWM is the larger company by market cap ($1.77 billion vs $1.51 billion), about 1.2 times the size.
On valuation, UWM trades at a lower forward P/E (3.2x vs 4.4x for Pagaya Technologies). UWM pays a dividend yielding 36.36%, while Pagaya Technologies does not currently pay one.
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 | PGY | UWMC |
|---|---|---|
| Share price | $18.07 | $1.10 |
| Market cap | $1.51B | $1.77B |
| 1-day change | -0.39% | -2.65% |
| YTD return | -13.21% | -74.20% |
| 1-year return | -40.05% | -78.88% |
| 5-year return | -84.76% | -84.06% |
| P/E ratio (TTM) | 13.09 | — |
| Forward P/E | 4.39 | 3.19 |
| EPS (TTM) | $1.38 | $-0.11 |
| Dividend yield | 0.00% | 36.36% |
| Annual dividend | $0.00 | $0.40 |
| 52-week high | $31.54 | $6.15 |
| 52-week low | $10.40 | $0.93 |
| Distance from 52-week high | -42.71% | -82.11% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +59.49% | +86.36% |
| Average volume | 2.58M | 16.40M |
| Shares outstanding | 72.14M | 345.10M |
| Employees | 493 | 9,100 |
| 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
- PGY has outperformed UWMC by 38.8 percentage points over the past year.
- UWM offers a meaningfully higher dividend yield (36.36% vs 0.00%).
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
About UWM
UWMC stock →UWM Holdings Corporation engages in the origination, sale, and servicing residential mortgage lending in the United States. The company offers mortgage loans through wholesale channel.
Finance · Finance: Consumer Services · 9,100 employees
PGY vs UWMC FAQ
Which is bigger, Pagaya Technologies or UWM?
UWM (UWMC) is larger, with a market capitalization of $1.77B compared with $1.51B for Pagaya Technologies (PGY).
Which stock has performed better over the past year, PGY or UWMC?
PGY returned -40.05% over the past 12 months, compared with -78.88% for UWMC (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, Pagaya Technologies or UWM?
UWM pays a dividend yielding 36.36%, while Pagaya Technologies does not currently pay a regular dividend.
Are Pagaya Technologies and UWM in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.