WallStSmart

Pagaya Technologies Ltd. (PGY)vsSynopsys Inc (SNPS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Synopsys Inc generates 515% more annual revenue ($8.01B vs $1.30B). SNPS leads profitability with a 13.8% profit margin vs 6.3%. PGY appears more attractively valued with a PEG of 0.03. PGY earns a higher WallStSmart Score of 67/100 (B-).

PGY

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 6.5Value: 7.3Quality: 7.0
Piotroski: 4/9Altman Z: 0.54

SNPS

Buy

51

out of 100

Grade: C-

Growth: 6.7Profit: 5.0Value: 2.0Quality: 5.5
Piotroski: 1/9Altman Z: 1.48
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PGYSignificantly Overvalued (-97.1%)

Margin of Safety

-97.1%

Fair Value

$6.53

Current Price

$11.59

$5.06 premium

UndervaluedFair: $6.53Overvalued
SNPSSignificantly Overvalued (-825.0%)

Margin of Safety

-825.0%

Fair Value

$44.34

Current Price

$410.13

$365.79 premium

UndervaluedFair: $44.34Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PGY5 strengths · Avg: 8.4/10
PEG RatioValuation
0.0310/10

Growing faster than its price suggests

P/E RatioValuation
12.1x8/10

Attractively priced relative to earnings

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.8%8/10

Strong operational efficiency at 23.8%

Revenue GrowthGrowth
19.8%8/10

19.8% revenue growth

SNPS3 strengths · Avg: 9.0/10
Revenue GrowthGrowth
65.5%10/10

Revenue surging 65.5% year-over-year

Market CapQuality
$78.57B9/10

Large-cap with strong market position

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

PGY4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$956.48M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
6.3%3/10

6.3% margin — thin

Debt/EquityHealth
1.713/10

Elevated debt levels

SNPS4 concerns · Avg: 2.5/10
Return on EquityProfitability
5.5%3/10

ROE of 5.5% — below average capital efficiency

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

PEG RatioValuation
2.772/10

Expensive relative to growth rate

P/E RatioValuation
62.9x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : PGY

The strongest argument for PGY centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 19.8% demonstrates continued momentum. PEG of 0.03 suggests the stock is reasonably priced for its growth.

Bull Case : SNPS

The strongest argument for SNPS centers on Revenue Growth, Market Cap, Price/Book. Revenue growth of 65.5% demonstrates continued momentum.

Bear Case : PGY

The primary concerns for PGY are EPS Growth, Market Cap, Profit Margin. Debt-to-equity of 1.71 is elevated, increasing financial risk.

Bear Case : SNPS

The primary concerns for SNPS are Return on Equity, Piotroski F-Score, PEG Ratio. A P/E of 62.9x leaves little room for execution misses.

Key Dynamics to Monitor

PGY carries more volatility with a beta of 5.94 — expect wider price swings.

SNPS is growing revenue faster at 65.5% — sustainability is the question.

SNPS generates stronger free cash flow (822M), providing more financial flexibility.

Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

PGY scores higher overall (67/100 vs 51/100) and 19.8% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Pagaya Technologies Ltd.

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Pagaya Technologies Ltd. is a financial technology company in Israel, the United States and the Cayman Islands. The company is headquartered in Tel Aviv, Israel.

Synopsys Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Synopsys is an American electronic design automation company that focuses on silicon design and verification, silicon intellectual property and software security and quality. Products include logic synthesis, behavioral synthesis, place and route, static timing analysis, formal verification, hardware description language (SystemC, SystemVerilog/Verilog, VHDL) simulators, and transistor-level circuit simulation.

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