PFSI vs MDU

Comparison between PennyMac Financial Services Inc (PFSI, Company) and MDU Resources Group Inc (MDU, Company).

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

5-Year PerformanceMDU has outperformed PFSI, delivering a return of +14.3% compared to +8.2%

PFSI vs MDU - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PFSI(COMPANY)	MDU(COMPANY)
Market Cap	$4.52B	$4.52B
Max Drawdown	56.63%	62.64%
Sharpe Ratio	-0.10	1.07
5Y Beta	0.65	0.54
Industry	Mortgage Finance	Utilities - Regulated Gas
P/E Ratio	8.91	23.13
Forward P/E	5.43	22.47
PEG Ratio	0.20	N/A
Dividend Yield	1.39%	2.45%
5Y Dividends CAGR	11.38%	16.31%
5Y EPS CAGR	-2.16%	5.83%
Debt to Equity	144.02%	89.40%
Free Cash Flow Yield	-90.09%	8.95%

Market Cap

PFSI

$4.52B

Winner

MDU

$4.52B

Max Drawdown

Winner

PFSI

56.63%

MDU

62.64%

Sharpe Ratio

PFSI

-0.10

Winner

MDU

1.07

5Y Beta

PFSI

0.65

Winner

MDU

0.54

Industry

PFSI

Mortgage Finance

MDU

Utilities - Regulated Gas

P/E Ratio

Winner

PFSI

8.91

MDU

23.13

Forward P/E

Winner

PFSI

5.43

MDU

22.47

PEG Ratio

PFSI

0.20

MDU

N/A

Dividend Yield

PFSI

1.39%

Winner

MDU

2.45%

5Y Dividends CAGR

PFSI

11.38%

Winner

MDU

16.31%

5Y EPS CAGR

PFSI

-2.16%

Winner

MDU

5.83%

Debt to Equity

PFSI

144.02%

Winner

MDU

89.40%

Free Cash Flow Yield

PFSI

-90.09%

Winner

MDU

8.95%

PFSI vs MDU - Historical Returns

Returns include dividend reinvestment.

Period	PFSI	MDU
1 month	-3.66%	+1.84%
3 months	-5.32%	+8.56%
6 months	-30.61%	+7.89%
1 year	-8.46%	+31.24%
5 years(CAGR)	+8.19%	+14.32%
10 years(CAGR)	+21.61%	+13.54%
Max(CAGR)	+13.23%	+9.76%

PFSI

-3.66%

Winner

MDU

+1.84%

PFSI

-5.32%

Winner

MDU

+8.56%

PFSI

-30.61%

Winner

MDU

+7.89%

PFSI

-8.46%

Winner

MDU

+31.24%

5Y(CAGR)

PFSI

+8.19%

Winner

MDU

+14.32%

10Y(CAGR)

Winner

PFSI

+21.61%

MDU

+13.54%

Max(CAGR)

Winner

PFSI

+13.23%

MDU

+9.76%

PFSI vs MDU - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PFSI	MDU
2026	-33.38%	+10.52%
2025	+33.53%	+12.26%
2024	+17.54%	+68.79%
2023	+54.87%	-2.47%
2022	-17.98%	+2.01%
2021	+13.59%	+23.38%
2020	+98.91%	-6.58%
2019	+59.37%	+29.95%
2018	-6.84%	-8.11%
2017	+33.43%	-3.41%
2016	+10.05%	+63.31%
2015	-10.28%	-20.60%
2014	-2.43%	-19.73%
2013	-8.12%	+44.41%
2012	N/A	+1.82%
2011	N/A	+7.36%
2010	N/A	-12.46%
2009	N/A	+8.57%
2008	N/A	-19.86%
2007	N/A	+10.19%
2006	N/A	+16.10%
2005	N/A	+27.28%
2004	N/A	+14.17%
2003	N/A	+40.69%
2002	N/A	-3.98%
2001	N/A	-8.91%
2000	N/A	+70.65%
1999	N/A	-14.76%

PFSI vs MDU Drawdown Comparison

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

The maximum drawdown for MDU was -62.15%, occurring on Mar 9, 2009. Recovery took 1280 trading sessions.

The current PFSI drawdown is -45.06%. The current MDU drawdown is -4.32%.

Rank	PFSI	MDU
#1	-56.49% Feb 7, 2020 - Jun 15, 2020	-62.15% Jul 1, 2008 - Aug 1, 2013
#2	-51.85% May 21, 2013 - Jan 2, 2018	-52.77% Apr 24, 2014 - Jan 23, 2020
#3	-47.06% Jan 16, 2026 - Mar 13, 2026	-52.04% Apr 26, 2001 - Jul 16, 2004
#4	-43.27% Dec 30, 2021 - Feb 2, 2023	-51.39% Feb 20, 2020 - Mar 10, 2021
#5	-23.92% Oct 15, 2020 - Dec 22, 2020	-25.25% May 7, 2021 - Jul 24, 2023
#6	-22.97% Sep 16, 2024 - Sep 4, 2025	-23.60% Nov 2, 1999 - Jul 13, 2000
#7	-22.94% Feb 16, 2018 - Feb 22, 2019	-21.47% Nov 26, 2024 - Oct 23, 2025
#8	-22.83% Feb 2, 2023 - Jul 12, 2023	-20.47% Apr 25, 2007 - May 13, 2008
#9	-22.69% Jul 26, 2023 - Dec 12, 2023	-18.88% Jul 26, 2023 - Mar 7, 2024
#10	-18.65% Dec 22, 2020 - Aug 6, 2021	-15.91% Dec 28, 2000 - Mar 27, 2001
#11	-15.70% Feb 22, 2019 - Aug 2, 2019	-14.30% Oct 3, 2005 - Apr 21, 2006
#12	-13.02% Aug 6, 2021 - Dec 8, 2021	-13.11% Aug 2, 2013 - Oct 22, 2013
#13	-10.50% Jan 5, 2018 - Feb 16, 2018	-11.36% Aug 18, 2006 - Oct 24, 2006
#14	-10.35% Dec 14, 2023 - Feb 2, 2024	-11.33% Jul 26, 2024 - Sep 13, 2024
#15	-9.88% Sep 18, 2025 - Oct 22, 2025	-9.99% Oct 18, 2024 - Nov 6, 2024

Correlation

Correlation between PFSI and MDU is 0.87 which considered as a strong positive correlation - the stocks tend to move together.

0.87

-101

Dividend Comparison (1999 - 2026)

PFSI vs MDU dividend yield comparison.

Year	PFSI	MDU
2026	0.69%	0.64%
2025	0.91%	2.77%
2024	0.98%	1.89%
2023	0.91%	3.16%
2022	1.41%	2.88%
2021	1.15%	2.77%
2020	0.82%	3.17%
2019	0.35%	2.74%
2018	1.88%	3.33%
2017	0.00%	2.88%
2016	0.00%	2.62%
2015	0.00%	4.01%
2014	0.00%	3.04%
2013	0.00%	2.28%
2012	0.00%	3.18%
2011	0.00%	3.05%
2010	0.00%	3.13%
2009	0.00%	2.64%
2008	0.00%	2.78%
2007	0.00%	2.03%
2006	0.00%	2.04%
2005	0.00%	2.26%
2004	0.00%	2.62%
2003	0.00%	2.77%
2002	0.00%	3.65%
2001	0.00%	2.38%
2000	0.00%	2.65%
1999	0.00%	1.05%