PGY
Price
$31.23
Change
-$2.74 (-8.07%)
Updated
Aug 19, 04:59 PM (EDT)
Capitalization
2.6B
79 days until earnings call
SPNS
Price
$42.64
Change
-$0.04 (-0.09%)
Updated
Aug 19, 04:59 PM (EDT)
Capitalization
2.39B
79 days until earnings call
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PGY vs SPNS

Header iconPGY vs SPNS Comparison
Open Charts PGY vs SPNSBanner chart's image
Pagaya Technologies
Price$31.23
Change-$2.74 (-8.07%)
Volume$38.44K
Capitalization2.6B
Sapiens International
Price$42.64
Change-$0.04 (-0.09%)
Volume$45.98K
Capitalization2.39B
PGY vs SPNS Comparison Chart in %
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PGY
Daily Signalchanged days ago
Gain/Loss if bought
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SPNS
Daily Signalchanged days ago
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PGY vs. SPNS commentary
Aug 20, 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 PGY is a Hold and SPNS is a Buy.

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COMPARISON
Comparison
Aug 20, 2025
Stock price -- (PGY: $33.97 vs. SPNS: $42.68)
Brand notoriety: PGY and SPNS are both not notable
PGY represents the Computer Communications, while SPNS is part of the Packaged Software industry
Current volume relative to the 65-day Moving Average: PGY: 112% vs. SPNS: 336%
Market capitalization -- PGY: $2.39B vs. SPNS: $2.38B
PGY [@Computer Communications] is valued at $2.39B. SPNS’s [@Packaged Software] market capitalization is $2.38B. The market cap for tickers in the [@Computer Communications] industry ranges from $3.79T to $0. The market cap for tickers in the [@Packaged Software] industry ranges from $322.61B to $0. The average market capitalization across the [@Computer Communications] industry is $26.64B. The average market capitalization across the [@Packaged Software] industry is $9.03B.

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).

PGY’s FA Score shows that 0 FA rating(s) are green whileSPNS’s FA Score has 2 green FA rating(s).

  • PGY’s FA Score: 0 green, 5 red.
  • SPNS’s FA Score: 2 green, 3 red.
According to our system of comparison, SPNS 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.

PGY’s TA Score shows that 4 TA indicator(s) are bullish while SPNS’s TA Score has 6 bullish TA indicator(s).

  • PGY’s TA Score: 4 bullish, 4 bearish.
  • SPNS’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, SPNS is a better buy in the short-term than PGY.

Price Growth

PGY (@Computer Communications) experienced а +20.85% price change this week, while SPNS (@Packaged Software) price change was +48.35% for the same time period.

The average weekly price growth across all stocks in the @Computer Communications industry was -0.46%. For the same industry, the average monthly price growth was -0.42%, and the average quarterly price growth was +24.95%.

The average weekly price growth across all stocks in the @Packaged Software industry was +0.70%. For the same industry, the average monthly price growth was -2.83%, and the average quarterly price growth was +15.87%.

Reported Earning Dates

PGY is expected to report earnings on Nov 06, 2025.

SPNS is expected to report earnings on Nov 06, 2025.

Industries' Descriptions

@Computer Communications (-0.46% weekly)

Computer communications industry develops technology that allows computing devices to exchange data with each other using connections/data links between nodes. Common types of computer network include Cloud (IAN), Internet, Wide (WAN, Local (LAN)/Wireless(WLAN) etc. The industry is an ever-more important part of technology, and is set to become even bigger as the Internet of Things (IoT) rapidly forays into the various aspects of our lives. Cisco Systems, Inc., Palo Alto Networks, Inc. and Arista Networks, Inc., Fortinet, Inc. are some of the major computer communications companies.

@Packaged Software (+0.70% 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
PGY($2.6B) has a higher market cap than SPNS($2.39B). PGY YTD gains are higher at: 265.662 vs. SPNS (63.034). PGY has higher annual earnings (EBITDA): 161M vs. SPNS (102M). PGY has more cash in the bank: 205M vs. SPNS (74.5M). SPNS has less debt than PGY: SPNS (45.4M) vs PGY (764M). PGY has higher revenues than SPNS: PGY (1.13B) vs SPNS (549M).
PGYSPNSPGY / SPNS
Capitalization2.6B2.39B109%
EBITDA161M102M158%
Gain YTD265.66263.034421%
P/E RatioN/A34.98-
Revenue1.13B549M205%
Total Cash205M74.5M275%
Total Debt764M45.4M1,683%
FUNDAMENTALS RATINGS
SPNS: Fundamental Ratings
SPNS
OUTLOOK RATING
1..100
31
VALUATION
overvalued / fair valued / undervalued
1..100
16
Undervalued
PROFIT vs RISK RATING
1..100
48
SMR RATING
1..100
56
PRICE GROWTH RATING
1..100
37
P/E GROWTH RATING
1..100
29
SEASONALITY SCORE
1..100
65

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
PGYSPNS
RSI
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
55%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
56%
Bearish Trend 2 days ago
61%
Momentum
ODDS (%)
Bullish Trend 2 days ago
49%
Bullish Trend 2 days ago
68%
MACD
ODDS (%)
Bearish Trend 2 days ago
59%
Bullish Trend 2 days ago
64%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
68%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 2 days ago
69%
Advances
ODDS (%)
Bullish Trend 7 days ago
79%
Bullish Trend 5 days ago
62%
Declines
ODDS (%)
Bearish Trend 5 days ago
75%
Bearish Trend 13 days ago
59%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
70%
Bearish Trend 2 days ago
59%
Aroon
ODDS (%)
Bullish Trend 2 days ago
77%
Bullish Trend 2 days ago
68%
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PGY
Daily Signalchanged days ago
Gain/Loss if bought
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SPNS
Daily Signalchanged days ago
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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 49% 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%
+2.01%
AFRM - PGY
49%
Loosely correlated
-0.61%
PSFE - PGY
48%
Loosely correlated
-1.24%
FIVN - PGY
46%
Loosely correlated
+1.36%
TIXT - PGY
46%
Loosely correlated
-1.04%
ZETA - PGY
45%
Loosely correlated
+3.03%
More

SPNS and

Correlation & Price change

A.I.dvisor indicates that over the last year, SPNS has been loosely correlated with ROP. These tickers have moved in lockstep 40% of the time. This A.I.-generated data suggests there is some statistical probability that if SPNS jumps, then ROP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SPNS
1D Price
Change %
SPNS100%
-0.02%
ROP - SPNS
40%
Loosely correlated
+0.50%
MSFT - SPNS
39%
Loosely correlated
-0.59%
CNSWF - SPNS
38%
Loosely correlated
+1.47%
PGY - SPNS
38%
Loosely correlated
+2.01%
ACIW - SPNS
37%
Loosely correlated
+1.48%
More