PEGA vs JSM

Comparison between Pegasystems Inc (PEGA, Company) and Navient Corp (JSM, Company).

5-Year PerformanceJSM has outperformed PEGA, delivering a return of -0.5% compared to -14.4%

PEGA vs JSM - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PEGA(COMPANY)	JSM(COMPANY)
Market Cap	$5.28B	$5.27B
Max Drawdown	92.16%	71.93%
Sharpe Ratio	-0.86	-0.12
5Y Beta	1.20	0.20
Industry	Software - Application	Other
P/E Ratio	15.63	15.98
Forward P/E	11.01	N/A
PEG Ratio	0.21	0.00
Dividend Yield	0.33%	3.57%
5Y Dividends CAGR	20.11%	4.56%
Debt to Equity	0.00%	N/A
Free Cash Flow Yield	9.37%	N/A
P/S Ratio	3.02	N/A
P/B Ratio	7.56	N/A

Market Cap

Winner

PEGA

$5.28B

JSM

$5.27B

Max Drawdown

PEGA

92.16%

Winner

JSM

71.93%

Sharpe Ratio

PEGA

-0.86

Winner

JSM

-0.12

5Y Beta

PEGA

1.20

Winner

JSM

0.20

Industry

PEGA

Software - Application

JSM

Other

P/E Ratio

Winner

PEGA

15.63

JSM

15.98

Forward P/E

PEGA

11.01

JSM

N/A

PEG Ratio

PEGA

0.21

Winner

JSM

0.00

Dividend Yield

PEGA

0.33%

Winner

JSM

3.57%

5Y Dividends CAGR

Winner

PEGA

20.11%

JSM

4.56%

Debt to Equity

PEGA

0.00%

JSM

N/A

Free Cash Flow Yield

PEGA

9.37%

JSM

N/A

P/S Ratio

PEGA

3.02

JSM

N/A

P/B Ratio

PEGA

7.56

JSM

N/A

PEGA vs JSM - Historical Returns

Returns include dividend reinvestment.

Period	PEGA	JSM
1 month	+5.41%	-2.70%
3 months	-21.18%	-2.06%
6 months	-35.34%	-7.77%
1 year	-39.57%	+3.76%
5 years(CAGR)	-14.38%	-0.49%
10 years(CAGR)	+8.51%	+5.02%
Max(CAGR)	+11.49%	+5.83%

Winner

PEGA

+5.41%

JSM

-2.70%

PEGA

-21.18%

Winner

JSM

-2.06%

PEGA

-35.34%

Winner

JSM

-7.77%

PEGA

-39.57%

Winner

JSM

+3.76%

5Y(CAGR)

PEGA

-14.38%

Winner

JSM

-0.49%

10Y(CAGR)

Winner

PEGA

+8.51%

JSM

+5.02%

Max(CAGR)

Winner

PEGA

+11.49%

JSM

+5.83%

PEGA vs JSM - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PEGA	JSM
2026	-44.72%	-8.48%
2025	+28.65%	+19.27%
2024	+99.13%	-9.64%
2023	+41.53%	+30.35%
2022	-68.86%	-26.60%
2021	-14.99%	+6.19%
2020	+63.54%	+9.61%
2019	+67.44%	+52.67%
2018	-0.14%	-24.33%
2017	+31.28%	+13.47%
2016	+33.59%	+43.17%
2015	+35.81%	-18.00%
2014	-14.75%	+22.55%
2013	+110.24%	-17.72%
2012	-22.85%	+33.97%
2011	-19.90%	+1.49%
2010	+5.18%	+39.36%
2009	+167.66%	+62.28%
2008	+12.31%	-35.68%
2007	+20.89%	-22.83%
2006	+32.67%	+9.79%
2005	-14.30%	+0.59%
2004	-1.39%	+6.66%
2003	+69.41%	-0.08%
2002	+19.39%	N/A
2001	+58.18%	N/A
2000	-78.86%	N/A
1999	+52.54%	N/A

PEGA vs JSM Drawdown Comparison

The maximum drawdown for PEGA was -92.16%, occurring on Dec 26, 2000. Recovery took 2311 trading sessions.

The maximum drawdown for JSM was -63.86%, occurring on Mar 2, 2009. Recovery took 748 trading sessions.

The current PEGA drawdown is -57.32%. The current JSM drawdown is -9.58%.

Rank	PEGA	JSM
#1	-92.16% Mar 2, 2000 - May 12, 2009	-63.86% Mar 29, 2007 - Mar 18, 2010
#2	-79.20% Feb 12, 2021 - Oct 11, 2022	-52.60% Jan 27, 2020 - Nov 12, 2020
#3	-58.68% Jul 8, 2011 - Nov 13, 2013	-39.00% Mar 5, 2015 - Jul 12, 2016
#4	-46.83% Apr 22, 2010 - Feb 25, 2011	-31.79% Sep 17, 2018 - Jul 18, 2019
#5	-40.08% Feb 20, 2020 - Jul 1, 2020	-30.64% Nov 1, 2021 - Sep 29, 2025
#6	-37.30% Nov 27, 2013 - Jul 30, 2015	-22.03% May 24, 2013 - Jan 23, 2015
#7	-33.81% Sep 18, 2018 - Apr 1, 2019	-19.38% Mar 26, 2004 - Oct 18, 2004
#8	-31.03% Nov 4, 2015 - Oct 18, 2016	-17.19% May 27, 2011 - Feb 8, 2012
#9	-26.82% Jun 8, 2017 - Apr 19, 2018	-13.15% Nov 21, 2017 - Aug 10, 2018
#10	-24.91% Jan 27, 2000 - Feb 15, 2000	-12.98% Sep 8, 2016 - May 10, 2017
#11	-21.94% Dec 9, 1999 - Jan 19, 2000	-11.26% Feb 29, 2012 - Jun 26, 2012
#12	-20.56% Oct 9, 2009 - Dec 28, 2009	-10.78% Dec 30, 2025 - Mar 20, 2026
#13	-20.52% Feb 25, 2011 - Jun 21, 2011	-10.42% Apr 26, 2010 - Aug 4, 2010
#14	-17.97% Jun 2, 2009 - Jul 29, 2009	-10.14% Feb 15, 2006 - Aug 22, 2006
#15	-17.97% Jun 6, 2018 - Sep 14, 2018	-8.90% Nov 8, 2010 - Jan 10, 2011

Correlation

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

0.87

-101

Dividend Comparison (2004 - 2026)

PEGA vs JSM dividend yield comparison.

Year	PEGA	JSM
2026	0.29%	4.24%
2025	0.15%	7.37%
2024	0.10%	8.45%
2023	0.25%	7.00%
2022	0.35%	6.38%
2021	0.11%	4.44%
2020	0.09%	5.96%
2019	0.15%	6.25%
2018	0.25%	9.09%
2017	0.25%	6.31%
2016	0.33%	6.77%
2015	0.44%	9.09%
2014	0.51%	6.92%
2013	0.24%	8.07%
2012	0.53%	6.25%
2011	0.41%	7.88%
2010	0.33%	7.37%
2009	0.35%	9.60%
2008	0.97%	14.42%
2007	1.26%	8.57%
2006	0.61%	6.14%
2005	0.00%	6.33%
2004	0.00%	6.00%