Correlation
The correlation between PFSI and SAIA is 0.42, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
PFSI vs. SAIA
Compare and contrast key facts about PennyMac Financial Services, Inc. (PFSI) and Saia, Inc. (SAIA).
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: PFSI or SAIA.
Performance
PFSI vs. SAIA - Performance Comparison
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Key characteristics
PFSI:
0.24
SAIA:
-0.54
PFSI:
0.51
SAIA:
-0.39
PFSI:
1.07
SAIA:
0.94
PFSI:
0.30
SAIA:
-0.55
PFSI:
0.66
SAIA:
-1.29
PFSI:
10.57%
SAIA:
25.75%
PFSI:
30.31%
SAIA:
63.68%
PFSI:
-56.49%
SAIA:
-80.35%
PFSI:
-16.91%
SAIA:
-56.36%
Fundamentals
PFSI:
$4.99B
SAIA:
$7.19B
PFSI:
$6.52
SAIA:
$12.07
PFSI:
14.83
SAIA:
22.37
PFSI:
4.67
SAIA:
2.58
PFSI:
1.47
SAIA:
2.22
PFSI:
1.27
SAIA:
3.03
PFSI:
$2.62B
SAIA:
$3.24B
PFSI:
$2.49B
SAIA:
$601.79M
PFSI:
$838.48M
SAIA:
$655.63M
Returns By Period
In the year-to-date period, PFSI achieves a -5.44% return, which is significantly higher than SAIA's -41.98% return. Over the past 10 years, PFSI has underperformed SAIA with an annualized return of 18.57%, while SAIA has yielded a comparatively higher 20.45% annualized return.
PFSI
-5.44%
-1.18%
-9.85%
7.33%
26.60%
24.90%
18.57%
SAIA
-41.98%
8.36%
-53.54%
-34.51%
10.20%
19.51%
20.45%
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Risk-Adjusted Performance
PFSI vs. SAIA — Risk-Adjusted Performance Rank
PFSI
SAIA
PFSI vs. SAIA - Risk-Adjusted Performance 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.
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Dividends
PFSI vs. SAIA - Dividend Comparison
PFSI's dividend yield for the trailing twelve months is around 1.25%, while SAIA has not paid dividends to shareholders.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | |
|---|---|---|---|---|---|---|---|---|
PFSI PennyMac Financial Services, Inc. | 1.25% | 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% |
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.
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Volatility
PFSI vs. SAIA - Volatility Comparison
The current volatility for PennyMac Financial Services, Inc. (PFSI) is 7.41%, while Saia, Inc. (SAIA) has a volatility of 17.71%. 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.
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Financials
PFSI vs. SAIA - Financials Comparison
This section allows you to compare key financial metrics between PennyMac Financial Services, Inc. and Saia, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
PFSI vs. SAIA - Profitability Comparison
PFSI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, PennyMac Financial Services, Inc. reported a gross profit of 801.27M and revenue of 810.31M. Therefore, the gross margin over that period was 98.9%.
SAIA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, Saia, Inc. reported a gross profit of 112.76M and revenue of 787.58M. Therefore, the gross margin over that period was 14.3%.
PFSI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, PennyMac Financial Services, Inc. reported an operating income of 230.45M and revenue of 810.31M, resulting in an operating margin of 28.4%.
SAIA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Saia, Inc. reported an operating income of 70.17M and revenue of 787.58M, resulting in an operating margin of 8.9%.
PFSI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, PennyMac Financial Services, Inc. reported a net income of 76.28M and revenue of 810.31M, resulting in a net margin of 9.4%.
SAIA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Saia, Inc. reported a net income of 49.81M and revenue of 787.58M, resulting in a net margin of 6.3%.