HGTY vs PFSI

Comparison between Hagerty Inc - Class A (HGTY, Company) and PennyMac Financial Services Inc (PFSI, Company).

Both HGTY and PFSI are from the Financial Services sector.

5-Year PerformancePFSI has outperformed HGTY, delivering a return of +7.6% compared to +4.6%

HGTY vs PFSI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HGTY(COMPANY)	PFSI(COMPANY)
Market Cap	$4.19B	$4.20B
Max Drawdown	59.73%	56.63%
Sharpe Ratio	0.60	-0.26
5Y Beta	0.45	0.65
Industry	Insurance - Property & Casualty	Mortgage Finance
P/E Ratio	30.00	8.28
Forward P/E	21.98	5.43
PEG Ratio	0.40	0.19
Dividend Yield	N/A	1.46%
5Y Dividends CAGR	N/A	11.38%
5Y EPS CAGR	N/A	-2.16%
Debt to Equity	104.54%	144.02%
Free Cash Flow Yield	4.56%	-96.96%
P/S Ratio	2.90	1.27
P/B Ratio	5.77	1.00

Market Cap

HGTY

$4.19B

Winner

PFSI

$4.20B

Max Drawdown

HGTY

59.73%

Winner

PFSI

56.63%

Sharpe Ratio

Winner

HGTY

0.60

PFSI

-0.26

5Y Beta

Winner

HGTY

0.45

PFSI

0.65

Industry

HGTY

Insurance - Property & Casualty

PFSI

Mortgage Finance

P/E Ratio

HGTY

30.00

Winner

PFSI

8.28

Forward P/E

HGTY

21.98

Winner

PFSI

5.43

PEG Ratio

HGTY

0.40

Winner

PFSI

0.19

Dividend Yield

HGTY

N/A

PFSI

1.46%

5Y Dividends CAGR

HGTY

N/A

PFSI

11.38%

5Y EPS CAGR

HGTY

N/A

PFSI

-2.16%

Debt to Equity

Winner

HGTY

104.54%

PFSI

144.02%

Free Cash Flow Yield

Winner

HGTY

4.56%

PFSI

-96.96%

P/S Ratio

HGTY

2.90

Winner

PFSI

1.27

P/B Ratio

HGTY

5.77

Winner

PFSI

1.00

HGTY vs PFSI - Historical Returns

Returns include dividend reinvestment.

Period	HGTY	PFSI
1 month	+13.31%	+2.83%
3 months	+10.25%	-9.60%
6 months	-6.13%	-43.29%
1 year	+22.11%	-17.69%
5 years(CAGR)	+4.56%	+7.60%
10 years(CAGR)	N/A	+22.66%
Max(CAGR)	+4.59%	+12.61%

Winner

HGTY

+13.31%

PFSI

+2.83%

Winner

HGTY

+10.25%

PFSI

-9.60%

Winner

HGTY

-6.13%

PFSI

-43.29%

Winner

HGTY

+22.11%

PFSI

-17.69%

5Y(CAGR)

HGTY

+4.56%

Winner

PFSI

+7.60%

10Y(CAGR)

HGTY

N/A

PFSI

+22.66%

Max(CAGR)

HGTY

+4.59%

Winner

PFSI

+12.61%

HGTY vs PFSI - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

Year	HGTY	PFSI
2026	-6.77%	-36.96%
2025	+36.03%	+33.53%
2024	+22.62%	+17.54%
2023	-8.24%	+54.87%
2022	-41.80%	-17.98%
2021	+45.44%	+13.59%
2020	N/A	+98.91%
2019	N/A	+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%

HGTY vs PFSI Drawdown Comparison

The maximum drawdown for HGTY was -59.73%, occurring on May 11, 2022. 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 HGTY drawdown is -34.79%. The current PFSI drawdown is -48.01%.

Rank	HGTY	PFSI
#1	-59.73% Dec 13, 2021 - May 11, 2022	-56.49% Feb 7, 2020 - Jun 15, 2020
#2	-2.69% Dec 3, 2021 - Dec 7, 2021	-51.85% May 21, 2013 - Jan 2, 2018
#3	-2.54% Nov 4, 2021 - Nov 29, 2021	-49.77% Jan 16, 2026 - Jun 8, 2026
#4	-2.12% Aug 5, 2021 - Aug 18, 2021	-43.27% Dec 30, 2021 - Feb 2, 2023
#5	-1.93% Jun 16, 2021 - Aug 4, 2021	-23.92% Oct 15, 2020 - Dec 22, 2020
#6	-0.97% Nov 29, 2021 - Dec 2, 2021	-22.97% Sep 16, 2024 - Sep 4, 2025
#7	-0.89% Sep 14, 2021 - Oct 26, 2021	-22.94% Feb 16, 2018 - Feb 22, 2019
#8	-0.80% Aug 20, 2021 - Sep 1, 2021	-22.83% Feb 2, 2023 - Jul 12, 2023
#9	-0.59% Oct 26, 2021 - Nov 3, 2021	-22.69% Jul 26, 2023 - Dec 12, 2023
#10	-0.20% Jun 8, 2021 - Jun 11, 2021	-18.65% Dec 22, 2020 - Aug 6, 2021
#11	-0.20% Aug 18, 2021 - Aug 20, 2021	-15.70% Feb 22, 2019 - Aug 2, 2019
#12	-0.20% Sep 1, 2021 - Sep 8, 2021	-13.02% Aug 6, 2021 - Dec 8, 2021
#13	-0.10% Jun 4, 2021 - Jun 8, 2021	-10.50% Jan 5, 2018 - Feb 16, 2018
#14	-0.10% Jun 11, 2021 - Jun 16, 2021	-10.35% Dec 14, 2023 - Feb 2, 2024
#15	-0.10% Sep 8, 2021 - Sep 13, 2021	-9.88% Sep 18, 2025 - Oct 22, 2025