PFSI vs LMND

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

Both PFSI and LMND are from the Financial Services sector.

5-Year PerformancePFSI has outperformed LMND, delivering a return of +4.6% compared to -6.4%

PFSI vs LMND - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PFSI(COMPANY)	LMND(COMPANY)
Market Cap	$4B	$3.99B
Max Drawdown	56.63%	94.23%
Sharpe Ratio	-0.33	0.34
5Y Beta	0.61	2.12
Industry	Mortgage Finance	Insurance - Property & Casualty
P/E Ratio	10.19	-28.44
Forward P/E	5.43	N/A
PEG Ratio	15.32	N/A
Dividend Yield	1.58%	N/A
5Y Dividends CAGR	11.38%	N/A
5Y EPS CAGR	-15.33%	-8.59%
Debt to Equity	145.96%	0.00%
Free Cash Flow Yield	-45.05%	0.20%

Market Cap

Winner

PFSI

$4B

LMND

$3.99B

Max Drawdown

Winner

PFSI

56.63%

LMND

94.23%

Sharpe Ratio

PFSI

-0.33

Winner

LMND

0.34

5Y Beta

Winner

PFSI

0.61

LMND

2.12

Industry

PFSI

Mortgage Finance

LMND

Insurance - Property & Casualty

P/E Ratio

PFSI

10.19

Winner

LMND

-28.44

Forward P/E

PFSI

5.43

LMND

N/A

PEG Ratio

PFSI

15.32

LMND

N/A

Dividend Yield

PFSI

1.58%

LMND

N/A

5Y Dividends CAGR

PFSI

11.38%

LMND

N/A

5Y EPS CAGR

PFSI

-15.33%

Winner

LMND

-8.59%

Debt to Equity

PFSI

145.96%

Winner

LMND

0.00%

Free Cash Flow Yield

PFSI

-45.05%

Winner

LMND

0.20%

PFSI vs LMND - Historical Returns

Returns include dividend reinvestment.

Period	PFSI	LMND
1 month	-2.45%	-24.98%
3 months	-9.10%	+0.21%
6 months	-13.32%	-16.91%
1 year	-25.96%	-11.26%
5 years(CAGR)	+4.60%	-6.35%
10 years(CAGR)	+18.90%	N/A
Max(CAGR)	+12.22%	-4.32%

Winner

PFSI

-2.45%

LMND

-24.98%

PFSI

-9.10%

Winner

LMND

+0.21%

Winner

PFSI

-13.32%

LMND

-16.91%

PFSI

-25.96%

Winner

LMND

-11.26%

5Y(CAGR)

Winner

PFSI

+4.60%

LMND

-6.35%

10Y(CAGR)

PFSI

+18.90%

LMND

N/A

Max(CAGR)

Winner

PFSI

+12.22%

LMND

-4.32%

PFSI vs LMND - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

Year	PFSI	LMND
2026	-39.16%	-30.25%
2025	+33.53%	+95.60%
2024	+17.54%	+115.26%
2023	+54.87%	+17.48%
2022	-17.98%	-67.64%
2021	+13.59%	-62.85%
2020	+98.91%	+76.49%
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 LMND Drawdown Comparison

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

The maximum drawdown for LMND was -94.23%, occurring on Apr 27, 2023. This drawdown has not yet recovered.

The current PFSI drawdown is -49.82%. The current LMND drawdown is -71.09%.

Rank	PFSI	LMND
#1	-56.49% Feb 7, 2020 - Jun 15, 2020	-94.23% Jan 11, 2021 - Apr 27, 2023
#2	-52.39% Jan 16, 2026 - Jul 31, 2026	-45.40% Jul 17, 2020 - Dec 7, 2020
#3	-51.85% May 21, 2013 - Jan 2, 2018	-19.92% Dec 23, 2020 - Jan 7, 2021
#4	-43.27% Dec 30, 2021 - Feb 2, 2023	-15.62% Jul 6, 2020 - Jul 10, 2020
#5	-23.92% Oct 15, 2020 - Dec 22, 2020	-12.39% Jul 10, 2020 - Jul 17, 2020
#6	-22.97% Sep 16, 2024 - Sep 4, 2025	-8.93% Dec 10, 2020 - Dec 17, 2020
#7	-22.94% Feb 16, 2018 - Feb 22, 2019	-4.72% Dec 7, 2020 - Dec 10, 2020
#8	-22.83% Feb 2, 2023 - Jul 12, 2023	N/A
#9	-22.69% Jul 26, 2023 - Dec 12, 2023	N/A
#10	-18.65% Dec 22, 2020 - Aug 6, 2021	N/A
#11	-15.70% Feb 22, 2019 - Aug 2, 2019	N/A
#12	-13.02% Aug 6, 2021 - Dec 8, 2021	N/A
#13	-10.50% Jan 5, 2018 - Feb 16, 2018	N/A
#14	-10.35% Dec 14, 2023 - Feb 2, 2024	N/A
#15	-9.88% Sep 18, 2025 - Oct 22, 2025	N/A