MDU vs PFSI

Comparison between MDU Resources Group Inc (MDU, Company) and PennyMac Financial Services Inc (PFSI, Company).

MDU is from the Utilities sector, while PFSI is from the Financial Services sector.

5-Year PerformanceMDU has outperformed PFSI, delivering a return of +14.3% compared to +8.2%

MDU vs PFSI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	MDU(COMPANY)	PFSI(COMPANY)
Market Cap	$4.52B	$4.52B
Max Drawdown	62.64%	56.63%
Sharpe Ratio	1.07	-0.10
5Y Beta	0.54	0.65
Industry	Utilities - Regulated Gas	Mortgage Finance
P/E Ratio	23.13	8.91
Forward P/E	22.47	5.43
PEG Ratio	N/A	0.20
Dividend Yield	2.45%	1.39%
5Y Dividends CAGR	16.31%	11.38%
5Y EPS CAGR	5.83%	-2.16%
Debt to Equity	89.40%	144.02%
Free Cash Flow Yield	8.95%	-90.09%

Market Cap

Winner

MDU

$4.52B

PFSI

$4.52B

Max Drawdown

MDU

62.64%

Winner

PFSI

56.63%

Sharpe Ratio

Winner

MDU

1.07

PFSI

-0.10

5Y Beta

Winner

MDU

0.54

PFSI

0.65

Industry

MDU

Utilities - Regulated Gas

PFSI

Mortgage Finance

P/E Ratio

MDU

23.13

Winner

PFSI

8.91

Forward P/E

MDU

22.47

Winner

PFSI

5.43

PEG Ratio

MDU

N/A

PFSI

0.20

Dividend Yield

Winner

MDU

2.45%

PFSI

1.39%

5Y Dividends CAGR

Winner

MDU

16.31%

PFSI

11.38%

5Y EPS CAGR

Winner

MDU

5.83%

PFSI

-2.16%

Debt to Equity

Winner

MDU

89.40%

PFSI

144.02%

Free Cash Flow Yield

Winner

MDU

8.95%

PFSI

-90.09%

MDU vs PFSI - Historical Returns

Returns include dividend reinvestment.

Period	MDU	PFSI
1 month	+1.84%	-3.66%
3 months	+8.56%	-5.32%
6 months	+7.89%	-30.61%
1 year	+31.24%	-8.46%
5 years(CAGR)	+14.32%	+8.19%
10 years(CAGR)	+13.54%	+21.61%
Max(CAGR)	+9.76%	+13.23%

Winner

MDU

+1.84%

PFSI

-3.66%

Winner

MDU

+8.56%

PFSI

-5.32%

Winner

MDU

+7.89%

PFSI

-30.61%

Winner

MDU

+31.24%

PFSI

-8.46%

5Y(CAGR)

Winner

MDU

+14.32%

PFSI

+8.19%

10Y(CAGR)

MDU

+13.54%

Winner

PFSI

+21.61%

Max(CAGR)

MDU

+9.76%

Winner

PFSI

+13.23%

MDU vs PFSI - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	MDU	PFSI
2026	+10.52%	-33.38%
2025	+12.26%	+33.53%
2024	+68.79%	+17.54%
2023	-2.47%	+54.87%
2022	+2.01%	-17.98%
2021	+23.38%	+13.59%
2020	-6.58%	+98.91%
2019	+29.95%	+59.37%
2018	-8.11%	-6.84%
2017	-3.41%	+33.43%
2016	+63.31%	+10.05%
2015	-20.60%	-10.28%
2014	-19.73%	-2.43%
2013	+44.41%	-8.12%
2012	+1.82%	N/A
2011	+7.36%	N/A
2010	-12.46%	N/A
2009	+8.57%	N/A
2008	-19.86%	N/A
2007	+10.19%	N/A
2006	+16.10%	N/A
2005	+27.28%	N/A
2004	+14.17%	N/A
2003	+40.69%	N/A
2002	-3.98%	N/A
2001	-8.91%	N/A
2000	+70.65%	N/A
1999	-14.76%	N/A

MDU vs PFSI Drawdown Comparison

The maximum drawdown for MDU was -62.15%, occurring on Mar 9, 2009. Recovery took 1280 trading sessions.

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

The current MDU drawdown is -4.32%. The current PFSI drawdown is -45.06%.

Rank	MDU	PFSI
#1	-62.15% Jul 1, 2008 - Aug 1, 2013	-56.49% Feb 7, 2020 - Jun 15, 2020
#2	-52.77% Apr 24, 2014 - Jan 23, 2020	-51.85% May 21, 2013 - Jan 2, 2018
#3	-52.04% Apr 26, 2001 - Jul 16, 2004	-47.06% Jan 16, 2026 - Mar 13, 2026
#4	-51.39% Feb 20, 2020 - Mar 10, 2021	-43.27% Dec 30, 2021 - Feb 2, 2023
#5	-25.25% May 7, 2021 - Jul 24, 2023	-23.92% Oct 15, 2020 - Dec 22, 2020
#6	-23.60% Nov 2, 1999 - Jul 13, 2000	-22.97% Sep 16, 2024 - Sep 4, 2025
#7	-21.47% Nov 26, 2024 - Oct 23, 2025	-22.94% Feb 16, 2018 - Feb 22, 2019
#8	-20.47% Apr 25, 2007 - May 13, 2008	-22.83% Feb 2, 2023 - Jul 12, 2023
#9	-18.88% Jul 26, 2023 - Mar 7, 2024	-22.69% Jul 26, 2023 - Dec 12, 2023
#10	-15.91% Dec 28, 2000 - Mar 27, 2001	-18.65% Dec 22, 2020 - Aug 6, 2021
#11	-14.30% Oct 3, 2005 - Apr 21, 2006	-15.70% Feb 22, 2019 - Aug 2, 2019
#12	-13.11% Aug 2, 2013 - Oct 22, 2013	-13.02% Aug 6, 2021 - Dec 8, 2021
#13	-11.36% Aug 18, 2006 - Oct 24, 2006	-10.50% Jan 5, 2018 - Feb 16, 2018
#14	-11.33% Jul 26, 2024 - Sep 13, 2024	-10.35% Dec 14, 2023 - Feb 2, 2024
#15	-9.99% Oct 18, 2024 - Nov 6, 2024	-9.88% Sep 18, 2025 - Oct 22, 2025

Correlation

Correlation between MDU and PFSI is 0.87 which considered as a strong positive correlation - the stocks tend to move together.

0.87

-101

Dividend Comparison (1999 - 2026)

MDU vs PFSI dividend yield comparison.

Year	MDU	PFSI
2026	0.64%	0.69%
2025	2.77%	0.91%
2024	1.89%	0.98%
2023	3.16%	0.91%
2022	2.88%	1.41%
2021	2.77%	1.15%
2020	3.17%	0.82%
2019	2.74%	0.35%
2018	3.33%	1.88%
2017	2.88%	0.00%
2016	2.62%	0.00%
2015	4.01%	0.00%
2014	3.04%	0.00%
2013	2.28%	0.00%
2012	3.18%	0.00%
2011	3.05%	0.00%
2010	3.13%	0.00%
2009	2.64%	0.00%
2008	2.78%	0.00%
2007	2.03%	0.00%
2006	2.04%	0.00%
2005	2.26%	0.00%
2004	2.62%	0.00%
2003	2.77%	0.00%
2002	3.65%	0.00%
2001	2.38%	0.00%
2000	2.65%	0.00%
1999	1.05%	0.00%