AFRM
Price
$68.90
Change
-$0.57 (-0.82%)
Updated
Jul 18 closing price
Capitalization
11.43B
31 days until earnings call
PGY
Price
$31.12
Change
+$1.62 (+5.49%)
Updated
Jul 18 closing price
Capitalization
667.45M
17 days until earnings call
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AFRM vs PGY

Header iconAFRM vs PGY Comparison
Open Charts AFRM vs PGYBanner chart's image
Affirm Holdings
Price$68.90
Change-$0.57 (-0.82%)
Volume$4.21M
Capitalization11.43B
Pagaya Technologies
Price$31.12
Change+$1.62 (+5.49%)
Volume$5.87M
Capitalization667.45M
AFRM vs PGY Comparison Chart in %
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AFRM
Daily Signalchanged days ago
Gain/Loss if bought
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PGY
Daily Signalchanged days ago
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AFRM vs. PGY commentary
Jul 21, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AFRM is a Hold and PGY is a Hold.

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COMPARISON
Comparison
Jul 21, 2025
Stock price -- (AFRM: $68.90 vs. PGY: $31.12)
Brand notoriety: AFRM and PGY are both not notable
Both companies represent the Packaged Software industry
Current volume relative to the 65-day Moving Average: AFRM: 70% vs. PGY: 239%
Market capitalization -- AFRM: $11.43B vs. PGY: $667.45M
AFRM [@Packaged Software] is valued at $11.43B. PGY’s [@Packaged Software] market capitalization is $667.45M. The market cap for tickers in the [@Packaged Software] industry ranges from $3.15T to $0. The average market capitalization across the [@Packaged Software] industry is $12.77B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

AFRM’s FA Score shows that 0 FA rating(s) are green whilePGY’s FA Score has 0 green FA rating(s).

  • AFRM’s FA Score: 0 green, 5 red.
  • PGY’s FA Score: 0 green, 5 red.
According to our system of comparison, AFRM is a better buy in the long-term than PGY.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

AFRM’s TA Score shows that 4 TA indicator(s) are bullish while PGY’s TA Score has 3 bullish TA indicator(s).

  • AFRM’s TA Score: 4 bullish, 4 bearish.
  • PGY’s TA Score: 3 bullish, 4 bearish.
According to our system of comparison, AFRM is a better buy in the short-term than PGY.

Price Growth

AFRM (@Packaged Software) experienced а +6.46% price change this week, while PGY (@Packaged Software) price change was +35.25% for the same time period.

The average weekly price growth across all stocks in the @Packaged Software industry was +1.38%. For the same industry, the average monthly price growth was +6.70%, and the average quarterly price growth was +12.45%.

Reported Earning Dates

AFRM is expected to report earnings on Aug 21, 2025.

PGY is expected to report earnings on Aug 07, 2025.

Industries' Descriptions

@Packaged Software (+1.38% weekly)

Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.

SUMMARIES
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FUNDAMENTALS
Fundamentals
AFRM($11.4B) has a higher market cap than PGY($667M). PGY YTD gains are higher at: 234.984 vs. AFRM (13.136). PGY has higher annual earnings (EBITDA): -44.51M vs. AFRM (-322M). AFRM has more cash in the bank: 1.95B vs. PGY (189M). PGY has less debt than AFRM: PGY (413M) vs AFRM (6.24B). AFRM has higher revenues than PGY: AFRM (1.91B) vs PGY (773M).
AFRMPGYAFRM / PGY
Capitalization11.4B667M1,709%
EBITDA-322M-44.51M723%
Gain YTD13.136234.9846%
P/E RatioN/A18.42-
Revenue1.91B773M248%
Total Cash1.95B189M1,032%
Total Debt6.24B413M1,512%
TECHNICAL ANALYSIS
Technical Analysis
AFRMPGY
RSI
ODDS (%)
Bearish Trend 4 days ago
74%
Bearish Trend 4 days ago
73%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
85%
Bearish Trend 25 days ago
60%
Momentum
ODDS (%)
Bearish Trend 4 days ago
90%
N/A
MACD
ODDS (%)
Bearish Trend 4 days ago
81%
Bullish Trend 4 days ago
49%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
86%
Bullish Trend 4 days ago
62%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
86%
Bullish Trend 4 days ago
63%
Advances
ODDS (%)
Bullish Trend 5 days ago
84%
Bullish Trend 4 days ago
78%
Declines
ODDS (%)
Bearish Trend 8 days ago
87%
Bearish Trend 19 days ago
75%
BollingerBands
ODDS (%)
N/A
Bearish Trend 4 days ago
68%
Aroon
ODDS (%)
Bullish Trend 4 days ago
85%
Bullish Trend 4 days ago
74%
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AFRM
Daily Signalchanged days ago
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PGY
Daily Signalchanged days ago
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AFRM and

Correlation & Price change

A.I.dvisor indicates that over the last year, AFRM has been loosely correlated with NET. These tickers have moved in lockstep 59% of the time. This A.I.-generated data suggests there is some statistical probability that if AFRM jumps, then NET could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To AFRM
1D Price
Change %
AFRM100%
-0.82%
NET - AFRM
59%
Loosely correlated
+3.19%
SHOP - AFRM
58%
Loosely correlated
+0.25%
XYZ - AFRM
57%
Loosely correlated
+2.95%
HUBS - AFRM
56%
Loosely correlated
+2.61%
DOCN - AFRM
53%
Loosely correlated
N/A
More

PGY and

Correlation & Price change

A.I.dvisor indicates that over the last year, PGY has been loosely correlated with AFRM. These tickers have moved in lockstep 50% of the time. This A.I.-generated data suggests there is some statistical probability that if PGY jumps, then AFRM could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PGY
1D Price
Change %
PGY100%
+5.49%
AFRM - PGY
50%
Loosely correlated
-0.82%
PSFE - PGY
49%
Loosely correlated
-1.79%
EVCM - PGY
47%
Loosely correlated
-0.53%
AEYE - PGY
46%
Loosely correlated
+0.41%
QTWO - PGY
46%
Loosely correlated
-0.55%
More