PAG vs GWRE

Comparison between Penske Automotive Group Inc (PAG, Company) and Guidewire Software Inc (GWRE, Company).

PAG is from the Consumer Cyclical sector, while GWRE is from the Technology sector.

5-Year PerformancePAG has outperformed GWRE, delivering a return of +16.2% compared to +7.0%

PAG vs GWRE - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PAG(COMPANY)	GWRE(COMPANY)
Market Cap	$11B	$11B
Max Drawdown	80.18%	60.28%
Sharpe Ratio	0.56	-0.77
5Y Beta	0.75	0.79
Industry	Auto & Truck Dealerships	Software - Application
P/E Ratio	12.26	111.14
Forward P/E	12.71	36.23
PEG Ratio	2.09	0.86
Dividend Yield	2.39%	N/A
5Y Dividends CAGR	44.53%	N/A
5Y EPS CAGR	10.56%	N/A
Debt to Equity	46.56%	0.00%
Free Cash Flow Yield	8.13%	2.78%
P/S Ratio	0.35	8.31
P/B Ratio	1.91	7.85

Market Cap

Winner

PAG

$11B

GWRE

$11B

Max Drawdown

PAG

80.18%

Winner

GWRE

60.28%

Sharpe Ratio

Winner

PAG

0.56

GWRE

-0.77

5Y Beta

Winner

PAG

0.75

GWRE

0.79

Industry

PAG

Auto & Truck Dealerships

GWRE

Software - Application

P/E Ratio

Winner

PAG

12.26

GWRE

111.14

Forward P/E

Winner

PAG

12.71

GWRE

36.23

PEG Ratio

PAG

2.09

Winner

GWRE

0.86

Dividend Yield

PAG

2.39%

GWRE

N/A

5Y Dividends CAGR

PAG

44.53%

GWRE

N/A

5Y EPS CAGR

PAG

10.56%

GWRE

N/A

Debt to Equity

PAG

46.56%

Winner

GWRE

0.00%

Free Cash Flow Yield

Winner

PAG

8.13%

GWRE

2.78%

P/S Ratio

Winner

PAG

0.35

GWRE

8.31

P/B Ratio

Winner

PAG

1.91

GWRE

7.85

PAG vs GWRE - Historical Returns

Returns include dividend reinvestment.

Period	PAG	GWRE
1 month	+13.41%	+1.04%
3 months	+5.30%	+9.93%
6 months	+11.48%	-36.58%
1 year	+13.14%	-35.20%
5 years(CAGR)	+16.23%	+6.98%
10 years(CAGR)	+19.74%	+9.58%
Max(CAGR)	+15.78%	+15.75%

Winner

PAG

+13.41%

GWRE

+1.04%

PAG

+5.30%

Winner

GWRE

+9.93%

Winner

PAG

+11.48%

GWRE

-36.58%

Winner

PAG

+13.14%

GWRE

-35.20%

5Y(CAGR)

Winner

PAG

+16.23%

GWRE

+6.98%

10Y(CAGR)

Winner

PAG

+19.74%

GWRE

+9.58%

Max(CAGR)

Winner

PAG

+15.78%

GWRE

+15.75%

PAG vs GWRE - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PAG	GWRE
2026	+10.86%	-26.30%
2025	+8.72%	+18.59%
2024	-2.55%	+57.92%
2023	+43.84%	+73.35%
2022	+11.63%	-44.78%
2021	+90.52%	-9.94%
2020	+20.28%	+16.94%
2019	+26.72%	+39.43%
2018	-13.20%	+7.75%
2017	-5.95%	+45.64%
2016	+31.01%	-15.17%
2015	-12.14%	+20.39%
2014	+6.74%	+5.17%
2013	+57.09%	+59.06%
2012	+56.62%	+73.60%
2011	+13.96%	N/A
2010	+13.93%	N/A
2009	+78.17%	N/A
2008	-54.56%	N/A
2007	-25.04%	N/A
2006	+24.36%	N/A
2005	+33.58%	N/A
2004	-2.19%	N/A
2003	+140.06%	N/A
2002	-50.32%	N/A
2001	+323.85%	N/A
2000	-21.29%	N/A
1999	-25.13%	N/A

PAG vs GWRE Drawdown Comparison

The maximum drawdown for PAG was -79.36%, occurring on Mar 9, 2009. Recovery took 1111 trading sessions.

The maximum drawdown for GWRE was -60.28%, occurring on Nov 9, 2022. Recovery took 861 trading sessions.

The current PAG drawdown is -6.09%. The current GWRE drawdown is -47.19%.

Rank	PAG	GWRE
#1	-79.36% Feb 8, 2007 - Jul 7, 2011	-60.28% Jan 7, 2021 - Jun 11, 2024
#2	-68.26% May 9, 2002 - Dec 30, 2003	-54.96% Sep 8, 2025 - Apr 10, 2026
#3	-59.98% Dec 12, 2019 - Oct 6, 2020	-39.66% Feb 19, 2020 - Nov 27, 2020
#4	-51.04% Nov 2, 1999 - Apr 24, 2001	-39.26% Mar 4, 2014 - Jul 20, 2015
#5	-50.46% Aug 14, 2001 - Dec 18, 2001	-35.62% Mar 26, 2012 - Feb 27, 2013
#6	-44.20% Aug 5, 2015 - Dec 5, 2016	-30.52% Sep 14, 2018 - May 16, 2019
#7	-36.86% Jul 26, 2011 - Feb 3, 2012	-30.45% Dec 29, 2015 - Jun 6, 2016
#8	-28.81% Dec 8, 2016 - Jan 26, 2018	-23.59% Feb 5, 2025 - Jun 4, 2025
#9	-28.17% Jun 24, 2004 - Jun 14, 2005	-22.80% Sep 7, 2016 - May 24, 2017
#10	-27.09% Aug 28, 2018 - Nov 4, 2019	-19.23% Jun 9, 2025 - Sep 5, 2025
#11	-26.37% Jul 3, 2014 - Feb 3, 2015	-18.61% Dec 4, 2024 - Jan 29, 2025
#12	-24.03% Aug 27, 2025 - Mar 20, 2026	-15.65% Jul 23, 2015 - Nov 27, 2015
#13	-22.92% May 2, 2012 - Sep 4, 2012	-14.88% Nov 24, 2017 - Mar 2, 2018
#14	-22.69% Jan 24, 2002 - May 1, 2002	-14.51% Nov 26, 2019 - Feb 19, 2020
#15	-22.62% Aug 16, 2022 - Nov 10, 2022	-14.08% Oct 29, 2013 - Feb 20, 2014