PFSI vs. SAIA

Last updated Apr 1, 2026

Compare and contrast key facts about PennyMac Financial Services, Inc. (PFSI) and Saia, Inc. (SAIA).

Performance

PFSI vs. SAIA - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in PennyMac Financial Services, Inc. (PFSI) and Saia, Inc. (SAIA). The values are adjusted to include any dividend payments, if applicable.

PFSI vs. SAIA - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
PFSI PennyMac Financial Services, Inc.	-33.49%	30.55%	16.79%	57.84%	-17.58%	7.69%	95.33%	60.72%	-3.09%	34.23%
SAIA Saia, Inc.	7.58%	-28.35%	4.00%	108.99%	-37.79%	86.41%	94.16%	66.82%	-21.10%	60.25%

Fundamentals

EPS PFSI : $9.30 SAIA : $10.59
PE Ratio PFSI : 9.40 SAIA : 33.18
PEG Ratio PFSI : 0.63 SAIA : 1.08
PS Ratio PFSI : 1.48 SAIA : 2.91
Total Revenue (TTM) PFSI : $3.17B SAIA : $3.23B
Gross Profit (TTM) PFSI : $2.32B SAIA : $618.04M
EBITDA (TTM) PFSI : $1.01B SAIA : $630.93M

Returns By Period

In the year-to-date period, PFSI achieves a -33.49% return, which is significantly lower than SAIA's 7.58% return. Over the past 10 years, PFSI has underperformed SAIA with an annualized return of 23.71%, while SAIA has yielded a comparatively higher 28.64% annualized return.

PFSI

• 1D: 2.94%
• 1M: -4.93%
• YTD: -33.49%
• 6M: -29.05%
• 1Y: -11.68%
• 3Y*: 14.90%
• 5Y*: 7.19%
• 10Y*: 23.71%

SAIA

• 1D: 4.54%
• 1M: -13.35%
• YTD: 7.58%
• 6M: 17.34%
• 1Y: 0.53%
• 3Y*: 8.89%
• 5Y*: 8.46%
• 10Y*: 28.64%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

PFSI vs. SAIA — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PFSI

PFSI Risk / Return Rank: 31
PFSI Sharpe Ratio Rank: 30
PFSI Sortino Ratio Rank: 30
PFSI Omega Ratio Rank: 30
PFSI Calmar Ratio Rank: 34
PFSI Martin Ratio Rank: 31

SAIA

SAIA Risk / Return Rank: 41
SAIA Sharpe Ratio Rank: 41
SAIA Sortino Ratio Rank: 42
SAIA Omega Ratio Rank: 43
SAIA Calmar Ratio Rank: 40
SAIA Martin Ratio Rank: 40

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

PFSI vs. SAIA - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for PennyMac Financial Services, Inc. (PFSI) and Saia, Inc. (SAIA). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	PFSI	SAIA	Difference
Sharpe ratio Return per unit of total volatility	-0.25	0.01	-0.26
Sortino ratio Return per unit of downside risk	0.01	0.45	-0.45
Omega ratio Gain probability vs. loss probability	1.00	1.07	-0.07
Calmar ratio Return relative to maximum drawdown	-0.25	-0.06	-0.19
Martin ratio Return relative to average drawdown	-0.65	-0.11	-0.54
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

PFSI vs. SAIA - Sharpe Ratio Comparison

The current PFSI Sharpe Ratio is -0.25, which is lower than the SAIA Sharpe Ratio of 0.01. The chart below compares the historical Sharpe Ratios of PFSI and SAIA, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	PFSI	SAIA	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.25	0.01	-0.26
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.20	0.17	+0.03
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.60	0.63	-0.03
Sharpe Ratio (All Time) Calculated using the full available price history	0.36	0.35	+0.01

Correlation

The correlation between PFSI and SAIA is 0.28, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

PFSI vs. SAIA - Dividend Comparison

PFSI's dividend yield for the trailing twelve months is around 1.37%, while SAIA has not paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018
PFSI PennyMac Financial Services, Inc.	1.37%	0.91%	0.98%	0.91%	1.41%	1.15%	0.82%	0.35%	1.88%
SAIA Saia, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Drawdowns

PFSI vs. SAIA - Drawdown Comparison

The maximum PFSI drawdown since its inception was -56.49%, smaller than the maximum SAIA drawdown of -80.35%. Use the drawdown chart below to compare losses from any high point for PFSI and SAIA.

Drawdown Indicators

	PFSI	SAIA	Difference
Max Drawdown Largest peak-to-trough decline	-56.49%	-80.35%	+23.86%
Max Drawdown (1Y) Largest decline over 1 year	-47.06%	-36.86%	-10.20%
Max Drawdown (5Y) Largest decline over 5 years	-47.06%	-60.94%	+13.88%
Max Drawdown (10Y) Largest decline over 10 years	-56.49%	-60.94%	+4.45%
Current Drawdown Current decline from peak	-45.01%	-42.03%	-2.98%
Average Drawdown Average peak-to-trough decline	-16.80%	-28.75%	+11.95%
Ulcer Index Depth and duration of drawdowns from previous peaks	18.34%	20.01%	-1.67%

Volatility

PFSI vs. SAIA - Volatility Comparison

The current volatility for PennyMac Financial Services, Inc. (PFSI) is 9.57%, while Saia, Inc. (SAIA) has a volatility of 16.81%. This indicates that PFSI experiences smaller price fluctuations and is considered to be less risky than SAIA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PFSI	SAIA	Difference
Volatility (1M) Calculated over the trailing 1-month period	9.57%	16.81%	-7.24%
Volatility (6M) Calculated over the trailing 6-month period	46.58%	34.76%	+11.82%
Volatility (1Y) Calculated over the trailing 1-year period	46.96%	61.80%	-14.84%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	36.53%	50.93%	-14.40%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	39.47%	45.58%	-6.11%

Financials

PFSI vs. SAIA - Profitability Comparison

The chart below illustrates the profitability comparison between PennyMac Financial Services, Inc. and Saia, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

PFSI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, PennyMac Financial Services, Inc. reported a gross profit of 527.59M and revenue of 538.01M. Therefore, the gross margin over that period was 98.1%.

SAIA - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Saia, Inc. reported a gross profit of 213.53M and revenue of 839.64M. Therefore, the gross margin over that period was 25.4%.

PFSI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, PennyMac Financial Services, Inc. reported an operating income of 309.22M and revenue of 538.01M, resulting in an operating margin of 57.5%.

SAIA - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Saia, Inc. reported an operating income of 118.61M and revenue of 839.64M, resulting in an operating margin of 14.1%.

PFSI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, PennyMac Financial Services, Inc. reported a net income of 106.83M and revenue of 538.01M, resulting in a net margin of 19.9%.

SAIA - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Saia, Inc. reported a net income of 86.32M and revenue of 839.64M, resulting in a net margin of 10.3%.