BILL vs PFSI

Comparison between BILL Holdings Inc (BILL, Company) and PennyMac Financial Services Inc (PFSI, Company).

BILL is from the Technology sector, while PFSI is from the Financial Services sector.

5-Year PerformancePFSI has outperformed BILL, delivering a return of +8.3% compared to -26.1%

BILL vs PFSI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BILL(COMPANY)	PFSI(COMPANY)
Market Cap	$4.43B	$4.41B
Max Drawdown	90.66%	56.63%
Sharpe Ratio	0.18	-0.18
5Y Beta	1.64	0.66
Industry	Software - Application	Mortgage Finance
P/E Ratio	-1133.05	8.69
Forward P/E	13.21	5.43
PEG Ratio	0.41	0.20
Dividend Yield	N/A	1.41%
5Y Dividends CAGR	N/A	11.38%
5Y EPS CAGR	N/A	-2.16%
Debt to Equity	48.25%	144.02%
Free Cash Flow Yield	8.64%	-92.32%
P/S Ratio	2.78	1.30
P/B Ratio	1.08	0.98

Market Cap

Winner

BILL

$4.43B

PFSI

$4.41B

Max Drawdown

BILL

90.66%

Winner

PFSI

56.63%

Sharpe Ratio

Winner

BILL

0.18

PFSI

-0.18

5Y Beta

BILL

1.64

Winner

PFSI

0.66

Industry

BILL

Software - Application

PFSI

Mortgage Finance

P/E Ratio

Winner

BILL

-1133.05

PFSI

8.69

Forward P/E

BILL

13.21

Winner

PFSI

5.43

PEG Ratio

BILL

0.41

Winner

PFSI

0.20

Dividend Yield

BILL

N/A

PFSI

1.41%

5Y Dividends CAGR

BILL

N/A

PFSI

11.38%

5Y EPS CAGR

BILL

N/A

PFSI

-2.16%

Debt to Equity

Winner

BILL

48.25%

PFSI

144.02%

Free Cash Flow Yield

Winner

BILL

8.64%

PFSI

-92.32%

P/S Ratio

BILL

2.78

Winner

PFSI

1.30

P/B Ratio

BILL

1.08

Winner

PFSI

0.98

BILL vs PFSI - Historical Returns

Returns include dividend reinvestment.

Period	BILL	PFSI
1 month	+38.49%	+5.24%
3 months	+11.26%	-7.02%
6 months	-0.29%	-44.48%
1 year	-2.27%	-16.62%
5 years(CAGR)	-26.07%	+8.32%
10 years(CAGR)	N/A	+21.88%
Max(CAGR)	+3.39%	+12.75%

Winner

BILL

+38.49%

PFSI

+5.24%

Winner

BILL

+11.26%

PFSI

-7.02%

Winner

BILL

-0.29%

PFSI

-44.48%

Winner

BILL

-2.27%

PFSI

-16.62%

5Y(CAGR)

BILL

-26.07%

Winner

PFSI

+8.32%

10Y(CAGR)

BILL

N/A

PFSI

+21.88%

Max(CAGR)

BILL

+3.39%

Winner

PFSI

+12.75%

BILL vs PFSI - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

Year	BILL	PFSI
2026	-12.46%	-35.70%
2025	-35.11%	+33.53%
2024	+9.69%	+17.54%
2023	-25.32%	+54.87%
2022	-53.34%	-17.98%
2021	+81.25%	+13.59%
2020	+252.71%	+98.91%
2019	+7.18%	+59.37%
2018	N/A	-6.84%
2017	N/A	+33.43%
2016	N/A	+10.05%
2015	N/A	-10.28%
2014	N/A	-2.43%
2013	N/A	-8.12%

BILL vs PFSI Drawdown Comparison

The maximum drawdown for BILL was -90.66%, occurring on Jun 22, 2026. This drawdown has not yet recovered.

The maximum drawdown for PFSI was -56.49%, occurring on Mar 19, 2020. Recovery took 88 trading sessions.

The current BILL drawdown is -87.07%. The current PFSI drawdown is -46.97%.

Rank	BILL	PFSI
#1	-90.66% Nov 9, 2021 - Jun 22, 2026	-56.49% Feb 7, 2020 - Jun 15, 2020
#2	-53.59% Feb 12, 2020 - May 6, 2020	-51.85% May 21, 2013 - Jan 2, 2018
#3	-32.12% Feb 10, 2021 - Jul 20, 2021	-49.77% Jan 16, 2026 - Jun 8, 2026
#4	-26.21% Dec 22, 2020 - Feb 5, 2021	-43.27% Dec 30, 2021 - Feb 2, 2023
#5	-23.16% May 8, 2020 - Jun 22, 2020	-23.92% Oct 15, 2020 - Dec 22, 2020
#6	-20.78% Aug 27, 2020 - Oct 7, 2020	-22.97% Sep 16, 2024 - Sep 4, 2025
#7	-20.52% Oct 14, 2020 - Nov 30, 2020	-22.94% Feb 16, 2018 - Feb 22, 2019
#8	-16.69% Aug 6, 2020 - Aug 26, 2020	-22.83% Feb 2, 2023 - Jul 12, 2023
#9	-13.03% Sep 8, 2021 - Oct 14, 2021	-22.69% Jul 26, 2023 - Dec 12, 2023
#10	-11.07% Jul 9, 2020 - Jul 30, 2020	-18.65% Dec 22, 2020 - Aug 6, 2021
#11	-8.81% Dec 24, 2019 - Jan 13, 2020	-15.70% Feb 22, 2019 - Aug 2, 2019
#12	-8.30% Feb 4, 2020 - Feb 7, 2020	-13.02% Aug 6, 2021 - Dec 8, 2021
#13	-6.67% Dec 13, 2019 - Dec 24, 2019	-10.50% Jan 5, 2018 - Feb 16, 2018
#14	-5.92% Feb 5, 2021 - Feb 10, 2021	-10.35% Dec 14, 2023 - Feb 2, 2024
#15	-5.75% Aug 5, 2021 - Aug 20, 2021	-9.88% Sep 18, 2025 - Oct 22, 2025

Correlation

Correlation between BILL and PFSI is -0.41 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.41

-101