How does PGY's earnings trend compare to industry peers?

Pagaya Technologies (PGY) exhibits a lower market capitalization compared to its industry peers, with a market cap of $279.39 million as of December 31, 2024. This suggests that PGY is a smaller player in the consumer finance industry. The company's diluted EPS is not provided, but its total revenue for the most recent quarter ending on December 31, 2024, is $279.39 million.

When compared to the top five industry peers based on market capitalization—American Express (AXP), Capital One (COF), Nu Holdings (NU), Discover Financial (DFS), and Synchrony Financial (SYF)—PGY's revenue is significantly lower, indicating that it is a much smaller company in terms of market size:

|code|Ticker|Name|Date|Total Revenue|Diluted EPS|market_code|
|---|---|---|---|---|---|---|
|DFS|DFS.N|Discover Financial|2024 Q1|4.16E9|3.25|169|
|SYF|SYF.N|Synchrony Financial|2024 Q1|4.798E9|3.14|169|
|NU|NU.N|Nu Holdings|2024 Q1|2.735901E9|0.0775|169|
|PGY|PGY.O|Pagaya Technologies|2024 Q1|2.45276E8|-0.33|186|
|AXP|AXP.N|American Express|2024 Q1|1.5801E10|3.33|169|
|COF|COF.N|Capital One|2024 Q1|9.402E9|3.13|169|
|DFS|DFS.N|Discover Financial|2024 Q2|4.538E9|6.03|169|
|SYF|SYF.N|Synchrony Financial|2024 Q2|3.712E9|1.55|169|
|NU|NU.N|Nu Holdings|2024 Q2|2.848691E9|0.0998|169|
|PGY|PGY.O|Pagaya Technologies|2024 Q2|2.50344E8|-1.04|186|

However, it is important to note that the other companies in the list have much higher revenues and market capitalizations, which suggests that they are much more established and likely to be more stable financially. This could imply that PGY may be riskier but also has more potential for growth compared to its larger peers.