PFSI vs CVCO

Comparison between PennyMac Financial Services Inc (PFSI, Company) and Cavco Industries Inc (CVCO, Company).

PFSI is from the Financial Services sector, while CVCO is from the Consumer Cyclical sector.

5-Year PerformanceCVCO has outperformed PFSI, delivering a return of +20.9% compared to +7.8%

PFSI vs CVCO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PFSI(COMPANY)	CVCO(COMPANY)
Market Cap	$4.40B	$4.41B
Max Drawdown	56.63%	60.85%
Sharpe Ratio	-0.29	0.76
5Y Beta	0.66	0.99
Industry	Mortgage Finance	Residential Construction
P/E Ratio	8.66	23.43
Forward P/E	5.43	29.50
PEG Ratio	0.20	1.52
Dividend Yield	1.43%	N/A
5Y Dividends CAGR	11.38%	N/A
5Y EPS CAGR	-2.16%	24.82%
Debt to Equity	144.02%	0.00%
Free Cash Flow Yield	-92.64%	5.26%
P/S Ratio	1.32	1.96
P/B Ratio	1.01	4.01

Market Cap

PFSI

$4.40B

Winner

CVCO

$4.41B

Max Drawdown

Winner

PFSI

56.63%

CVCO

60.85%

Sharpe Ratio

PFSI

-0.29

Winner

CVCO

0.76

5Y Beta

Winner

PFSI

0.66

CVCO

0.99

Industry

PFSI

Mortgage Finance

CVCO

Residential Construction

P/E Ratio

Winner

PFSI

8.66

CVCO

23.43

Forward P/E

Winner

PFSI

5.43

CVCO

29.50

PEG Ratio

Winner

PFSI

0.20

CVCO

1.52

Dividend Yield

PFSI

1.43%

CVCO

N/A

5Y Dividends CAGR

PFSI

11.38%

CVCO

N/A

5Y EPS CAGR

PFSI

-2.16%

Winner

CVCO

24.82%

Debt to Equity

PFSI

144.02%

Winner

CVCO

0.00%

Free Cash Flow Yield

PFSI

-92.64%

Winner

CVCO

5.26%

P/S Ratio

Winner

PFSI

1.32

CVCO

1.96

P/B Ratio

Winner

PFSI

1.01

CVCO

4.01

PFSI vs CVCO - Historical Returns

Returns include dividend reinvestment.

Period	PFSI	CVCO
1 month	+2.95%	-3.91%
3 months	-7.74%	+5.08%
6 months	-44.88%	-15.76%
1 year	-13.42%	+33.95%
5 years(CAGR)	+7.79%	+20.88%
10 years(CAGR)	+21.70%	+18.69%
Max(CAGR)	+12.60%	+19.09%

Winner

PFSI

+2.95%

CVCO

-3.91%

PFSI

-7.74%

Winner

CVCO

+5.08%

PFSI

-44.88%

Winner

CVCO

-15.76%

PFSI

-13.42%

Winner

CVCO

+33.95%

5Y(CAGR)

PFSI

+7.79%

Winner

CVCO

+20.88%

10Y(CAGR)

Winner

PFSI

+21.70%

CVCO

+18.69%

Max(CAGR)

PFSI

+12.60%

Winner

CVCO

+19.09%

PFSI vs CVCO - Annual Returns (2003 - 2026)

Returns include dividend reinvestment.

Year	PFSI	CVCO
2026	-36.76%	-4.98%
2025	+33.53%	+34.54%
2024	+17.54%	+29.56%
2023	+54.87%	+52.03%
2022	-17.98%	-27.47%
2021	+13.59%	+82.18%
2020	+98.91%	-10.76%
2019	+59.37%	+48.70%
2018	-6.84%	-13.22%
2017	+33.43%	+54.30%
2016	+10.05%	+22.46%
2015	-10.28%	+7.15%
2014	-2.43%	+14.25%
2013	-8.12%	+37.90%
2012	N/A	+23.47%
2011	N/A	-15.59%
2010	N/A	+24.67%
2009	N/A	+38.47%
2008	N/A	-13.51%
2007	N/A	-3.09%
2006	N/A	-10.04%
2005	N/A	+70.74%
2004	N/A	+90.68%
2003	N/A	+20.00%

PFSI vs CVCO Drawdown Comparison

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

The maximum drawdown for CVCO was -60.85%, occurring on Mar 20, 2009. Recovery took 1471 trading sessions.

The current PFSI drawdown is -47.84%. The current CVCO drawdown is -19.44%.

Rank	PFSI	CVCO
#1	-56.49% Feb 7, 2020 - Jun 15, 2020	-60.85% Apr 3, 2006 - Feb 3, 2012
#2	-51.85% May 21, 2013 - Jan 2, 2018	-57.89% Sep 14, 2018 - Aug 11, 2021
#3	-49.77% Jan 16, 2026 - Jun 8, 2026	-43.23% Dec 7, 2021 - Dec 14, 2023
#4	-43.27% Dec 30, 2021 - Feb 2, 2023	-34.68% Jan 16, 2026 - May 15, 2026
#5	-23.92% Oct 15, 2020 - Dec 22, 2020	-27.12% Oct 30, 2015 - May 27, 2016
#6	-22.97% Sep 16, 2024 - Sep 4, 2025	-27.09% Jul 1, 2014 - Oct 30, 2015
#7	-22.94% Feb 16, 2018 - Feb 22, 2019	-26.45% Feb 18, 2025 - Sep 4, 2025
#8	-22.83% Feb 2, 2023 - Jul 12, 2023	-23.37% Feb 7, 2012 - Jul 15, 2013
#9	-22.69% Jul 26, 2023 - Dec 12, 2023	-19.10% Nov 25, 2024 - Feb 5, 2025
#10	-18.65% Dec 22, 2020 - Aug 6, 2021	-18.03% Mar 2, 2005 - Jun 6, 2005
#11	-15.70% Feb 22, 2019 - Aug 2, 2019	-17.67% Sep 7, 2016 - Feb 8, 2017
#12	-13.02% Aug 6, 2021 - Dec 8, 2021	-16.47% Jul 2, 2003 - Oct 1, 2003
#13	-10.50% Jan 5, 2018 - Feb 16, 2018	-16.24% Oct 2, 2025 - Oct 23, 2025
#14	-10.35% Dec 14, 2023 - Feb 2, 2024	-15.89% Mar 28, 2024 - Jul 16, 2024
#15	-9.88% Sep 18, 2025 - Oct 22, 2025	-15.05% Oct 23, 2025 - Nov 25, 2025