CVCO vs PFSI

Comparison between Cavco Industries Inc (CVCO, Company) and PennyMac Financial Services Inc (PFSI, Company).

CVCO is from the Consumer Cyclical sector, while PFSI is from the Financial Services sector.

5-Year PerformanceCVCO has outperformed PFSI, delivering a return of +20.9% compared to +7.8%

CVCO vs PFSI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CVCO(COMPANY)	PFSI(COMPANY)
Market Cap	$4.41B	$4.40B
Max Drawdown	60.85%	56.63%
Sharpe Ratio	0.76	-0.29
5Y Beta	0.99	0.66
Industry	Residential Construction	Mortgage Finance
P/E Ratio	23.43	8.66
Forward P/E	29.50	5.43
PEG Ratio	1.52	0.20
Dividend Yield	N/A	1.43%
5Y Dividends CAGR	N/A	11.38%
5Y EPS CAGR	24.82%	-2.16%
Debt to Equity	0.00%	144.02%
Free Cash Flow Yield	5.26%	-92.64%
P/S Ratio	1.96	1.32
P/B Ratio	4.01	1.01

Market Cap

Winner

CVCO

$4.41B

PFSI

$4.40B

Max Drawdown

CVCO

60.85%

Winner

PFSI

56.63%

Sharpe Ratio

Winner

CVCO

0.76

PFSI

-0.29

5Y Beta

CVCO

0.99

Winner

PFSI

0.66

Industry

CVCO

Residential Construction

PFSI

Mortgage Finance

P/E Ratio

CVCO

23.43

Winner

PFSI

8.66

Forward P/E

CVCO

29.50

Winner

PFSI

5.43

PEG Ratio

CVCO

1.52

Winner

PFSI

0.20

Dividend Yield

CVCO

N/A

PFSI

1.43%

5Y Dividends CAGR

CVCO

N/A

PFSI

11.38%

5Y EPS CAGR

Winner

CVCO

24.82%

PFSI

-2.16%

Debt to Equity

Winner

CVCO

0.00%

PFSI

144.02%

Free Cash Flow Yield

Winner

CVCO

5.26%

PFSI

-92.64%

P/S Ratio

CVCO

1.96

Winner

PFSI

1.32

P/B Ratio

CVCO

4.01

Winner

PFSI

1.01

CVCO vs PFSI - Historical Returns

Returns include dividend reinvestment.

Period	CVCO	PFSI
1 month	-3.91%	+2.95%
3 months	+5.08%	-7.74%
6 months	-15.76%	-44.88%
1 year	+33.95%	-13.42%
5 years(CAGR)	+20.88%	+7.79%
10 years(CAGR)	+18.69%	+21.70%
Max(CAGR)	+19.09%	+12.60%

CVCO

-3.91%

Winner

PFSI

+2.95%

Winner

CVCO

+5.08%

PFSI

-7.74%

Winner

CVCO

-15.76%

PFSI

-44.88%

Winner

CVCO

+33.95%

PFSI

-13.42%

5Y(CAGR)

Winner

CVCO

+20.88%

PFSI

+7.79%

10Y(CAGR)

CVCO

+18.69%

Winner

PFSI

+21.70%

Max(CAGR)

Winner

CVCO

+19.09%

PFSI

+12.60%

CVCO vs PFSI - Annual Returns (2003 - 2026)

Returns include dividend reinvestment.

Year	CVCO	PFSI
2026	-4.98%	-36.76%
2025	+34.54%	+33.53%
2024	+29.56%	+17.54%
2023	+52.03%	+54.87%
2022	-27.47%	-17.98%
2021	+82.18%	+13.59%
2020	-10.76%	+98.91%
2019	+48.70%	+59.37%
2018	-13.22%	-6.84%
2017	+54.30%	+33.43%
2016	+22.46%	+10.05%
2015	+7.15%	-10.28%
2014	+14.25%	-2.43%
2013	+37.90%	-8.12%
2012	+23.47%	N/A
2011	-15.59%	N/A
2010	+24.67%	N/A
2009	+38.47%	N/A
2008	-13.51%	N/A
2007	-3.09%	N/A
2006	-10.04%	N/A
2005	+70.74%	N/A
2004	+90.68%	N/A
2003	+20.00%	N/A

CVCO vs PFSI Drawdown Comparison

The maximum drawdown for CVCO was -60.85%, occurring on Mar 20, 2009. Recovery took 1471 trading sessions.

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

The current CVCO drawdown is -19.44%. The current PFSI drawdown is -47.84%.

Rank	CVCO	PFSI
#1	-60.85% Apr 3, 2006 - Feb 3, 2012	-56.49% Feb 7, 2020 - Jun 15, 2020
#2	-57.89% Sep 14, 2018 - Aug 11, 2021	-51.85% May 21, 2013 - Jan 2, 2018
#3	-43.23% Dec 7, 2021 - Dec 14, 2023	-49.77% Jan 16, 2026 - Jun 8, 2026
#4	-34.68% Jan 16, 2026 - May 15, 2026	-43.27% Dec 30, 2021 - Feb 2, 2023
#5	-27.12% Oct 30, 2015 - May 27, 2016	-23.92% Oct 15, 2020 - Dec 22, 2020
#6	-27.09% Jul 1, 2014 - Oct 30, 2015	-22.97% Sep 16, 2024 - Sep 4, 2025
#7	-26.45% Feb 18, 2025 - Sep 4, 2025	-22.94% Feb 16, 2018 - Feb 22, 2019
#8	-23.37% Feb 7, 2012 - Jul 15, 2013	-22.83% Feb 2, 2023 - Jul 12, 2023
#9	-19.10% Nov 25, 2024 - Feb 5, 2025	-22.69% Jul 26, 2023 - Dec 12, 2023
#10	-18.03% Mar 2, 2005 - Jun 6, 2005	-18.65% Dec 22, 2020 - Aug 6, 2021
#11	-17.67% Sep 7, 2016 - Feb 8, 2017	-15.70% Feb 22, 2019 - Aug 2, 2019
#12	-16.47% Jul 2, 2003 - Oct 1, 2003	-13.02% Aug 6, 2021 - Dec 8, 2021
#13	-16.24% Oct 2, 2025 - Oct 23, 2025	-10.50% Jan 5, 2018 - Feb 16, 2018
#14	-15.89% Mar 28, 2024 - Jul 16, 2024	-10.35% Dec 14, 2023 - Feb 2, 2024
#15	-15.05% Oct 23, 2025 - Nov 25, 2025	-9.88% Sep 18, 2025 - Oct 22, 2025