Contrasting Sentage (NASDAQ:SNTG) and Pagaya Technologies (NASDAQ:PGY)

Sentage (NASDAQ:SNTG) and Pagaya Technologies (NASDAQ:PGY) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, analyst recommendations, profitability, valuation, risk, institutional ownership and earnings.

Earnings & Valuation

This table compares Sentage and Pagaya Technologies’ revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sentage	$150,000.00	51.33	-$1.90 million	N/A	N/A
Pagaya Technologies	$812.05 million	1.29	-$128.44 million	($1.41)	-10.46

Sentage has higher earnings, but lower revenue than Pagaya Technologies.

Risk & Volatility

Sentage has a beta of 2.62, suggesting that its stock price is 162% more volatile than the S&P 500. Comparatively, Pagaya Technologies has a beta of 6.44, suggesting that its stock price is 544% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Sentage and Pagaya Technologies, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sentage	0	0	0	0	N/A
Pagaya Technologies	0	2	6	0	2.75

Pagaya Technologies has a consensus price target of $26.94, indicating a potential upside of 82.63%. Given Pagaya Technologies’ higher probable upside, analysts clearly believe Pagaya Technologies is more favorable than Sentage.

Insider and Institutional Ownership

0.1% of Sentage shares are held by institutional investors. Comparatively, 57.1% of Pagaya Technologies shares are held by institutional investors. 62.4% of Sentage shares are held by company insiders. Comparatively, 19.7% of Pagaya Technologies shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Sentage and Pagaya Technologies’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Sentage	N/A	N/A	N/A
Pagaya Technologies	-10.53%	-4.23%	-2.30%

Summary

Sentage beats Pagaya Technologies on 6 of the 11 factors compared between the two stocks.

About Sentage

Sentage Holdings Inc. provides a range of financial services. The company offers consumer loan repayment and collection management, loan recommendation, and prepaid payment network services in China. It also provides consultancy and information technology support services. Sentage Holdings Inc. was incorporated in 2019 and is headquartered in Shanghai, the People's Republic of China.

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.