PFSI vs JOYY

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

PFSI is from the Financial Services sector, while JOYY is from the Communication Services sector.

5-Year PerformanceJOYY has outperformed PFSI, delivering a return of +15.2% compared to +4.1%

PFSI vs JOYY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PFSI(COMPANY)	JOYY(COMPANY)
Market Cap	$3.94B	$3.94B
Max Drawdown	56.63%	84.76%
Sharpe Ratio	-0.33	1.40
5Y Beta	0.61	0.60
Industry	Mortgage Finance	Internet Content & Information
P/E Ratio	10.05	1.88
Forward P/E	5.43	9.78
PEG Ratio	15.10	0.86
Dividend Yield	1.58%	6.41%
5Y Dividends CAGR	11.38%	21.21%
5Y EPS CAGR	-15.33%	18.38%
Debt to Equity	145.96%	0.16%
Free Cash Flow Yield	-45.70%	4.05%
P/S Ratio	1.31	1.72
P/B Ratio	0.90	0.57

Market Cap

Winner

PFSI

$3.94B

JOYY

$3.94B

Max Drawdown

Winner

PFSI

56.63%

JOYY

84.76%

Sharpe Ratio

PFSI

-0.33

Winner

JOYY

1.40

5Y Beta

PFSI

0.61

Winner

JOYY

0.60

Industry

PFSI

Mortgage Finance

JOYY

Internet Content & Information

P/E Ratio

PFSI

10.05

Winner

JOYY

1.88

Forward P/E

Winner

PFSI

5.43

JOYY

9.78

PEG Ratio

PFSI

15.10

Winner

JOYY

0.86

Dividend Yield

PFSI

1.58%

Winner

JOYY

6.41%

5Y Dividends CAGR

PFSI

11.38%

Winner

JOYY

21.21%

5Y EPS CAGR

PFSI

-15.33%

Winner

JOYY

18.38%

Debt to Equity

PFSI

145.96%

Winner

JOYY

0.16%

Free Cash Flow Yield

PFSI

-45.70%

Winner

JOYY

4.05%

P/S Ratio

Winner

PFSI

1.31

JOYY

1.72

P/B Ratio

PFSI

0.90

Winner

JOYY

0.57

PFSI vs JOYY - Historical Returns

Returns include dividend reinvestment.

Period	PFSI	JOYY
1 month	-5.52%	+6.32%
3 months	-12.84%	+30.25%
6 months	-15.29%	+26.57%
1 year	-24.15%	+58.64%
5 years(CAGR)	+4.08%	+15.25%
10 years(CAGR)	+18.53%	+7.27%
Max(CAGR)	+11.95%	+16.90%

PFSI

-5.52%

Winner

JOYY

+6.32%

PFSI

-12.84%

Winner

JOYY

+30.25%

PFSI

-15.29%

Winner

JOYY

+26.57%

PFSI

-24.15%

Winner

JOYY

+58.64%

5Y(CAGR)

PFSI

+4.08%

Winner

JOYY

+15.25%

10Y(CAGR)

Winner

PFSI

+18.53%

JOYY

+7.27%

Max(CAGR)

PFSI

+11.95%

Winner

JOYY

+16.90%

PFSI vs JOYY - Annual Returns (2012 - 2026)

Returns include dividend reinvestment.

Year	PFSI	JOYY
2026	-41.07%	+19.89%
2025	+33.53%	+72.51%
2024	+17.54%	+23.52%
2023	+54.87%	+17.56%
2022	-17.98%	-26.67%
2021	+13.59%	-40.44%
2020	+98.91%	+37.30%
2019	+59.37%	-14.33%
2018	-6.84%	-50.72%
2017	+33.43%	+186.59%
2016	+10.05%	-35.06%
2015	-10.28%	-4.89%
2014	-2.43%	+18.83%
2013	-8.12%	+251.36%
2012	N/A	+26.08%

PFSI vs JOYY Drawdown Comparison

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

The maximum drawdown for JOYY was -83.51%, occurring on Oct 24, 2022. This drawdown has not yet recovered.

The current PFSI drawdown is -51.40%. The current JOYY drawdown is -35.45%.

Rank	PFSI	JOYY
#1	-56.49% Feb 7, 2020 - Jun 15, 2020	-83.51% Feb 16, 2021 - Oct 24, 2022
#2	-52.39% Jan 16, 2026 - Jul 31, 2026	-70.08% Jan 25, 2018 - Feb 16, 2021
#3	-51.85% May 21, 2013 - Jan 2, 2018	-66.56% Sep 8, 2014 - Oct 16, 2017
#4	-43.27% Dec 30, 2021 - Feb 2, 2023	-41.97% Mar 6, 2014 - Aug 26, 2014
#5	-23.92% Oct 15, 2020 - Dec 22, 2020	-21.61% Oct 18, 2013 - Jan 3, 2014
#6	-22.97% Sep 16, 2024 - Sep 4, 2025	-21.57% Mar 6, 2013 - May 6, 2013
#7	-22.94% Feb 16, 2018 - Feb 22, 2019	-20.24% Jan 16, 2014 - Feb 26, 2014
#8	-22.83% Feb 2, 2023 - Jul 12, 2023	-20.03% Jun 10, 2013 - Jul 11, 2013
#9	-22.69% Jul 26, 2023 - Dec 12, 2023	-17.36% Oct 2, 2013 - Oct 16, 2013
#10	-18.65% Dec 22, 2020 - Aug 6, 2021	-17.22% Nov 22, 2017 - Jan 4, 2018
#11	-15.70% Feb 22, 2019 - Aug 2, 2019	-16.45% May 21, 2013 - Jun 10, 2013
#12	-13.02% Aug 6, 2021 - Dec 8, 2021	-16.23% Dec 3, 2012 - Dec 17, 2012
#13	-10.50% Jan 5, 2018 - Feb 16, 2018	-16.05% Aug 5, 2013 - Sep 9, 2013
#14	-10.35% Dec 14, 2023 - Feb 2, 2024	-12.31% Oct 16, 2017 - Nov 15, 2017
#15	-9.88% Sep 18, 2025 - Oct 22, 2025	-10.17% Dec 17, 2012 - Feb 14, 2013