PFSI vs HGTY

Comparison between PennyMac Financial Services Inc (PFSI, Company) and Hagerty Inc - Class A (HGTY, Company).

Both PFSI and HGTY are from the Financial Services sector.

5-Year PerformancePFSI has outperformed HGTY, delivering a return of +7.6% compared to +4.6%

PFSI vs HGTY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PFSI(COMPANY)	HGTY(COMPANY)
Market Cap	$4.20B	$4.19B
Max Drawdown	56.63%	59.73%
Sharpe Ratio	-0.26	0.60
5Y Beta	0.65	0.45
Industry	Mortgage Finance	Insurance - Property & Casualty
P/E Ratio	8.28	30.00
Forward P/E	5.43	21.98
PEG Ratio	0.19	0.40
Dividend Yield	1.46%	N/A
5Y Dividends CAGR	11.38%	N/A
5Y EPS CAGR	-2.16%	N/A
Debt to Equity	144.02%	104.54%
Free Cash Flow Yield	-96.96%	4.56%
P/S Ratio	1.27	2.90
P/B Ratio	1.00	5.77

Market Cap

Winner

PFSI

$4.20B

HGTY

$4.19B

Max Drawdown

Winner

PFSI

56.63%

HGTY

59.73%

Sharpe Ratio

PFSI

-0.26

Winner

HGTY

0.60

5Y Beta

PFSI

0.65

Winner

HGTY

0.45

Industry

PFSI

Mortgage Finance

HGTY

Insurance - Property & Casualty

P/E Ratio

Winner

PFSI

8.28

HGTY

30.00

Forward P/E

Winner

PFSI

5.43

HGTY

21.98

PEG Ratio

Winner

PFSI

0.19

HGTY

0.40

Dividend Yield

PFSI

1.46%

HGTY

N/A

5Y Dividends CAGR

PFSI

11.38%

HGTY

N/A

5Y EPS CAGR

PFSI

-2.16%

HGTY

N/A

Debt to Equity

PFSI

144.02%

Winner

HGTY

104.54%

Free Cash Flow Yield

PFSI

-96.96%

Winner

HGTY

4.56%

P/S Ratio

Winner

PFSI

1.27

HGTY

2.90

P/B Ratio

Winner

PFSI

1.00

HGTY

5.77

PFSI vs HGTY - Historical Returns

Returns include dividend reinvestment.

Period	PFSI	HGTY
1 month	+2.83%	+13.31%
3 months	-9.60%	+10.25%
6 months	-43.29%	-6.13%
1 year	-17.69%	+22.11%
5 years(CAGR)	+7.60%	+4.56%
10 years(CAGR)	+22.66%	N/A
Max(CAGR)	+12.61%	+4.59%

PFSI

+2.83%

Winner

HGTY

+13.31%

PFSI

-9.60%

Winner

HGTY

+10.25%

PFSI

-43.29%

Winner

HGTY

-6.13%

PFSI

-17.69%

Winner

HGTY

+22.11%

5Y(CAGR)

Winner

PFSI

+7.60%

HGTY

+4.56%

10Y(CAGR)

PFSI

+22.66%

HGTY

N/A

Max(CAGR)

Winner

PFSI

+12.61%

HGTY

+4.59%

PFSI vs HGTY - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

Year	PFSI	HGTY
2026	-36.96%	-6.77%
2025	+33.53%	+36.03%
2024	+17.54%	+22.62%
2023	+54.87%	-8.24%
2022	-17.98%	-41.80%
2021	+13.59%	+45.44%
2020	+98.91%	N/A
2019	+59.37%	N/A
2018	-6.84%	N/A
2017	+33.43%	N/A
2016	+10.05%	N/A
2015	-10.28%	N/A
2014	-2.43%	N/A
2013	-8.12%	N/A

PFSI vs HGTY Drawdown Comparison

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

The maximum drawdown for HGTY was -59.73%, occurring on May 11, 2022. This drawdown has not yet recovered.

The current PFSI drawdown is -48.01%. The current HGTY drawdown is -34.79%.

Rank	PFSI	HGTY
#1	-56.49% Feb 7, 2020 - Jun 15, 2020	-59.73% Dec 13, 2021 - May 11, 2022
#2	-51.85% May 21, 2013 - Jan 2, 2018	-2.69% Dec 3, 2021 - Dec 7, 2021
#3	-49.77% Jan 16, 2026 - Jun 8, 2026	-2.54% Nov 4, 2021 - Nov 29, 2021
#4	-43.27% Dec 30, 2021 - Feb 2, 2023	-2.12% Aug 5, 2021 - Aug 18, 2021
#5	-23.92% Oct 15, 2020 - Dec 22, 2020	-1.93% Jun 16, 2021 - Aug 4, 2021
#6	-22.97% Sep 16, 2024 - Sep 4, 2025	-0.97% Nov 29, 2021 - Dec 2, 2021
#7	-22.94% Feb 16, 2018 - Feb 22, 2019	-0.89% Sep 14, 2021 - Oct 26, 2021
#8	-22.83% Feb 2, 2023 - Jul 12, 2023	-0.80% Aug 20, 2021 - Sep 1, 2021
#9	-22.69% Jul 26, 2023 - Dec 12, 2023	-0.59% Oct 26, 2021 - Nov 3, 2021
#10	-18.65% Dec 22, 2020 - Aug 6, 2021	-0.20% Jun 8, 2021 - Jun 11, 2021
#11	-15.70% Feb 22, 2019 - Aug 2, 2019	-0.20% Aug 18, 2021 - Aug 20, 2021
#12	-13.02% Aug 6, 2021 - Dec 8, 2021	-0.20% Sep 1, 2021 - Sep 8, 2021
#13	-10.50% Jan 5, 2018 - Feb 16, 2018	-0.10% Jun 4, 2021 - Jun 8, 2021
#14	-10.35% Dec 14, 2023 - Feb 2, 2024	-0.10% Jun 11, 2021 - Jun 16, 2021
#15	-9.88% Sep 18, 2025 - Oct 22, 2025	-0.10% Sep 8, 2021 - Sep 13, 2021