PFSI vs ALE

Comparison between PennyMac Financial Services Inc (PFSI, Company) and ALLETE, Inc. (ALE, Company).

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

5-Year PerformancePFSI has outperformed ALE, delivering a return of +4.1% compared to +2.7%

PFSI vs ALE - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PFSI(COMPANY)	ALE(COMPANY)
Market Cap	$3.94B	$3.94B
Max Drawdown	56.63%	53.93%
Sharpe Ratio	-0.33	0.41
5Y Beta	0.61	0.06
Industry	Mortgage Finance	Utilities - Diversified
P/E Ratio	10.05	23.76
Forward P/E	5.43	16.72
PEG Ratio	15.10	2.57
Dividend Yield	1.58%	4.26%
5Y Dividends CAGR	11.38%	8.09%
5Y EPS CAGR	-15.33%	-3.48%
Debt to Equity	145.96%	78.44%
Free Cash Flow Yield	-45.70%	-8.16%
P/S Ratio	1.31	2.63
P/B Ratio	0.90	1.38

Market Cap

PFSI

$3.94B

Winner

ALE

$3.94B

Max Drawdown

PFSI

56.63%

Winner

ALE

53.93%

Sharpe Ratio

PFSI

-0.33

Winner

ALE

0.41

5Y Beta

PFSI

0.61

Winner

ALE

0.06

Industry

PFSI

Mortgage Finance

ALE

Utilities - Diversified

P/E Ratio

Winner

PFSI

10.05

ALE

23.76

Forward P/E

Winner

PFSI

5.43

ALE

16.72

PEG Ratio

PFSI

15.10

Winner

ALE

2.57

Dividend Yield

PFSI

1.58%

Winner

ALE

4.26%

5Y Dividends CAGR

Winner

PFSI

11.38%

ALE

8.09%

5Y EPS CAGR

PFSI

-15.33%

Winner

ALE

-3.48%

Debt to Equity

PFSI

145.96%

Winner

ALE

78.44%

Free Cash Flow Yield

PFSI

-45.70%

Winner

ALE

-8.16%

P/S Ratio

Winner

PFSI

1.31

ALE

2.63

P/B Ratio

Winner

PFSI

0.90

ALE

1.38

PFSI vs ALE - Historical Returns

Returns include dividend reinvestment.

Period	PFSI	ALE
1 month	-5.52%	+0.00%
3 months	-12.84%	+0.00%
6 months	-15.29%	+0.00%
1 year	-24.15%	+4.35%
5 years(CAGR)	+4.08%	+2.69%
10 years(CAGR)	+18.53%	+4.59%
Max(CAGR)	+11.95%	+9.23%

PFSI

-5.52%

Winner

ALE

+0.00%

PFSI

-12.84%

Winner

ALE

+0.00%

PFSI

-15.29%

Winner

ALE

+0.00%

PFSI

-24.15%

Winner

ALE

+4.35%

5Y(CAGR)

Winner

PFSI

+4.08%

ALE

+2.69%

10Y(CAGR)

Winner

PFSI

+18.53%

ALE

+4.59%

Max(CAGR)

Winner

PFSI

+11.95%

ALE

+9.23%

PFSI vs ALE - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PFSI	ALE
2026	-41.07%	+0.00%
2025	+33.53%	+8.18%
2024	+17.54%	+8.85%
2023	+54.87%	-1.62%
2022	-17.98%	+1.27%
2021	+13.59%	+11.92%
2020	+98.91%	-19.81%
2019	+59.37%	+13.71%
2018	-6.84%	+6.41%
2017	+33.43%	+20.35%
2016	+10.05%	+33.87%
2015	-10.28%	-4.59%
2014	-2.43%	+16.73%
2013	-8.12%	+22.93%
2012	N/A	+4.37%
2011	N/A	+16.34%
2010	N/A	+18.89%
2009	N/A	+6.66%
2008	N/A	-12.20%
2007	N/A	-12.13%
2006	N/A	+5.41%
2005	N/A	+24.22%
2004	N/A	+24.41%
2003	N/A	+38.15%
2002	N/A	-7.76%
2001	N/A	+11.58%
2000	N/A	+61.13%
1999	N/A	-7.48%

PFSI vs ALE Drawdown Comparison

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

The maximum drawdown for ALE was -48.82%, occurring on Mar 5, 2009. Recovery took 1056 trading sessions.

The current PFSI drawdown is -51.40%. The current ALE drawdown is -0.82%.

Rank	PFSI	ALE
#1	-56.49% Feb 7, 2020 - Jun 15, 2020	-48.82% Apr 25, 2007 - Jul 1, 2011
#2	-52.39% Jan 16, 2026 - Jul 31, 2026	-42.20% Sep 25, 2019 - May 15, 2020
#3	-51.85% May 21, 2013 - Jan 2, 2018	-37.23% May 2, 2002 - Oct 24, 2003
#4	-43.27% Dec 30, 2021 - Feb 2, 2023	-26.84% Jun 10, 2004 - Nov 12, 2004
#5	-23.92% Oct 15, 2020 - Dec 22, 2020	-21.32% Jan 27, 2015 - Mar 10, 2016
#6	-22.97% Sep 16, 2024 - Sep 4, 2025	-20.22% Sep 4, 2001 - Jan 30, 2002
#7	-22.94% Feb 16, 2018 - Feb 22, 2019	-19.20% Nov 5, 1999 - Apr 25, 2000
#8	-22.83% Feb 2, 2023 - Jul 12, 2023	-18.63% Dec 28, 2000 - Mar 30, 2001
#9	-22.69% Jul 26, 2023 - Dec 12, 2023	-18.57% Jul 11, 2005 - Feb 6, 2007
#10	-18.65% Dec 22, 2020 - Aug 6, 2021	-15.85% Nov 30, 2017 - Jul 5, 2018
#11	-15.70% Feb 22, 2019 - Aug 2, 2019	-14.65% Sep 11, 2000 - Dec 8, 2000
#12	-13.02% Aug 6, 2021 - Dec 8, 2021	-13.60% Mar 31, 2014 - Oct 30, 2014
#13	-10.50% Jan 5, 2018 - Feb 16, 2018	-13.49% Jul 21, 2011 - Dec 22, 2011
#14	-10.35% Dec 14, 2023 - Feb 2, 2024	-13.45% Jun 28, 2000 - Jul 10, 2000
#15	-9.88% Sep 18, 2025 - Oct 22, 2025	-13.40% Jul 30, 2013 - Mar 25, 2014

Correlation

Correlation between PFSI and ALE is 0.62 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.62

-101

Dividend Comparison (2000 - 2026)

PFSI vs ALE dividend yield comparison.

Year	PFSI	ALE
2026	0.78%	0.00%
2025	0.91%	3.23%
2024	0.98%	4.35%
2023	0.91%	4.43%
2022	1.41%	4.03%
2021	1.15%	3.80%
2020	0.82%	3.99%
2019	0.35%	2.90%
2018	1.88%	2.94%
2017	0.00%	2.88%
2016	0.00%	3.24%
2015	0.00%	3.97%
2014	0.00%	3.55%
2013	0.00%	3.81%
2012	0.00%	4.49%
2011	0.00%	4.24%
2010	0.00%	4.72%
2009	0.00%	5.39%
2008	0.00%	5.33%
2007	0.00%	4.14%
2006	0.00%	3.12%
2005	0.00%	2.83%
2004	0.00%	3.12%
2003	0.00%	3.69%
2002	0.00%	4.85%
2001	0.00%	4.25%
2000	0.00%	4.32%