Reviewing RocketFuel Blockchain (OTCMKTS:RKFL) & Pagaya Technologies (NASDAQ:PGY)

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

Insider and Institutional Ownership

57.1% of Pagaya Technologies shares are held by institutional investors. Comparatively, 7.2% of RocketFuel Blockchain shares are held by institutional investors. 49.6% of Pagaya Technologies shares are held by insiders. Comparatively, 28.7% of RocketFuel Blockchain shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Volatility & Risk

Pagaya Technologies has a beta of 6.12, suggesting that its share price is 512% more volatile than the S&P 500. Comparatively, RocketFuel Blockchain has a beta of -0.14, suggesting that its share price is 114% less volatile than the S&P 500.

Profitability

This table compares Pagaya Technologies and RocketFuel Blockchain’s 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%
RocketFuel Blockchain	N/A	N/A	N/A

Earnings and Valuation

This table compares Pagaya Technologies and RocketFuel Blockchain”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pagaya Technologies	$812.05 million	0.80	-$128.44 million	($2.54)	-3.46
RocketFuel Blockchain	$200,000.00	0.10	-$3.78 million	N/A	N/A

RocketFuel Blockchain has lower revenue, but higher earnings than Pagaya Technologies.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Pagaya Technologies and RocketFuel Blockchain, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pagaya Technologies	0	3	6	0	2.67
RocketFuel Blockchain	0	0	0	0	0.00

Pagaya Technologies currently has a consensus price target of $20.00, suggesting a potential upside of 127.79%. Given Pagaya Technologies’ stronger consensus rating and higher probable upside, equities analysts clearly believe Pagaya Technologies is more favorable than RocketFuel Blockchain.

Summary

Pagaya Technologies beats RocketFuel Blockchain on 10 of the 12 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 RocketFuel Blockchain

RocketFuel Blockchain, Inc. provides payment and check-out systems for shoppers on e-commerce sites using cryptocurrencies, bitcoin, and direct bank transfers. It also offers payout solutions, cross-border B2B transfer solutions, and other solutions, as well as invoicing and crypto payments services. The company has a strategic partnership with ACI Worldwide, Inc. to offer the cryptocurrency payment solution available to customers through ACI portals. RocketFuel Blockchain, Inc. was incorporated in 2018 and is headquartered in San Francisco, California.