LMND vs PFSI

Comparison between Lemonade Inc (LMND, Company) and PennyMac Financial Services Inc (PFSI, Company).

Both LMND and PFSI are from the Financial Services sector.

5-Year PerformancePFSI has outperformed LMND, delivering a return of +4.6% compared to -6.4%

LMND vs PFSI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	LMND(COMPANY)	PFSI(COMPANY)
Market Cap	$3.99B	$4B
Max Drawdown	94.23%	56.63%
Sharpe Ratio	0.34	-0.33
5Y Beta	2.12	0.61
Industry	Insurance - Property & Casualty	Mortgage Finance
P/E Ratio	-28.44	10.19
Forward P/E	N/A	5.43
PEG Ratio	N/A	15.32
Dividend Yield	N/A	1.58%
5Y Dividends CAGR	N/A	11.38%
5Y EPS CAGR	-8.59%	-15.33%
Debt to Equity	0.00%	145.96%
Free Cash Flow Yield	0.20%	-45.05%

Market Cap

LMND

$3.99B

Winner

PFSI

$4B

Max Drawdown

LMND

94.23%

Winner

PFSI

56.63%

Sharpe Ratio

Winner

LMND

0.34

PFSI

-0.33

5Y Beta

LMND

2.12

Winner

PFSI

0.61

Industry

LMND

Insurance - Property & Casualty

PFSI

Mortgage Finance

P/E Ratio

Winner

LMND

-28.44

PFSI

10.19

Forward P/E

LMND

N/A

PFSI

5.43

PEG Ratio

LMND

N/A

PFSI

15.32

Dividend Yield

LMND

N/A

PFSI

1.58%

5Y Dividends CAGR

LMND

N/A

PFSI

11.38%

5Y EPS CAGR

Winner

LMND

-8.59%

PFSI

-15.33%

Debt to Equity

Winner

LMND

0.00%

PFSI

145.96%

Free Cash Flow Yield

Winner

LMND

0.20%

PFSI

-45.05%

LMND vs PFSI - Historical Returns

Returns include dividend reinvestment.

Period	LMND	PFSI
1 month	-24.98%	-2.45%
3 months	+0.21%	-9.10%
6 months	-16.91%	-13.32%
1 year	-11.26%	-25.96%
5 years(CAGR)	-6.35%	+4.60%
10 years(CAGR)	N/A	+18.90%
Max(CAGR)	-4.32%	+12.22%

LMND

-24.98%

Winner

PFSI

-2.45%

Winner

LMND

+0.21%

PFSI

-9.10%

LMND

-16.91%

Winner

PFSI

-13.32%

Winner

LMND

-11.26%

PFSI

-25.96%

5Y(CAGR)

LMND

-6.35%

Winner

PFSI

+4.60%

10Y(CAGR)

LMND

N/A

PFSI

+18.90%

Max(CAGR)

LMND

-4.32%

Winner

PFSI

+12.22%

LMND vs PFSI - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

Year	LMND	PFSI
2026	-30.25%	-39.16%
2025	+95.60%	+33.53%
2024	+115.26%	+17.54%
2023	+17.48%	+54.87%
2022	-67.64%	-17.98%
2021	-62.85%	+13.59%
2020	+76.49%	+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%

LMND vs PFSI Drawdown Comparison

The maximum drawdown for LMND was -94.23%, occurring on Apr 27, 2023. 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 LMND drawdown is -71.09%. The current PFSI drawdown is -49.82%.

Rank	LMND	PFSI
#1	-94.23% Jan 11, 2021 - Apr 27, 2023	-56.49% Feb 7, 2020 - Jun 15, 2020
#2	-45.40% Jul 17, 2020 - Dec 7, 2020	-52.39% Jan 16, 2026 - Jul 31, 2026
#3	-19.92% Dec 23, 2020 - Jan 7, 2021	-51.85% May 21, 2013 - Jan 2, 2018
#4	-15.62% Jul 6, 2020 - Jul 10, 2020	-43.27% Dec 30, 2021 - Feb 2, 2023
#5	-12.39% Jul 10, 2020 - Jul 17, 2020	-23.92% Oct 15, 2020 - Dec 22, 2020
#6	-8.93% Dec 10, 2020 - Dec 17, 2020	-22.97% Sep 16, 2024 - Sep 4, 2025
#7	-4.72% Dec 7, 2020 - Dec 10, 2020	-22.94% Feb 16, 2018 - Feb 22, 2019
#8	N/A	-22.83% Feb 2, 2023 - Jul 12, 2023
#9	N/A	-22.69% Jul 26, 2023 - Dec 12, 2023
#10	N/A	-18.65% Dec 22, 2020 - Aug 6, 2021
#11	N/A	-15.70% Feb 22, 2019 - Aug 2, 2019
#12	N/A	-13.02% Aug 6, 2021 - Dec 8, 2021
#13	N/A	-10.50% Jan 5, 2018 - Feb 16, 2018
#14	N/A	-10.35% Dec 14, 2023 - Feb 2, 2024
#15	N/A	-9.88% Sep 18, 2025 - Oct 22, 2025