SAIA vs. PFSI
SAIA (Saia, Inc.) and PFSI (PennyMac Financial Services, Inc.) are both stocks. SAIA operates in Trucking (Industrials), while PFSI operates in Mortgage Finance (Financial Services). Over the past 10 years, SAIA returned 33.14%/yr vs 20.78%/yr for PFSI. At a 0.28 correlation, their price movements are largely independent.
Performance
SAIA vs. PFSI - Performance Comparison
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Returns By Period
In the year-to-date period, SAIA achieves a 33.54% return, which is significantly higher than PFSI's -39.05% return. Over the past 10 years, SAIA has outperformed PFSI with an annualized return of 33.14%, while PFSI has yielded a comparatively lower 20.78% annualized return.
SAIA
- 1D
- 0.21%
- 1M
- -4.42%
- YTD
- 33.54%
- 6M
- 31.88%
- 1Y
- 70.07%
- 3Y*
- 11.71%
- 5Y*
- 15.79%
- 10Y*
- 33.14%
PFSI
- 1D
- -3.12%
- 1M
- -7.07%
- YTD
- -39.05%
- 6M
- -40.35%
- 1Y
- -15.32%
- 3Y*
- 6.85%
- 5Y*
- 5.93%
- 10Y*
- 20.78%
SAIA vs. PFSI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SAIA Saia, Inc. | 33.54% | -28.35% | 4.00% | 108.99% | -37.79% | 86.41% | 94.16% | 66.82% | -21.10% | 60.25% |
PFSI PennyMac Financial Services, Inc. | -39.05% | 30.55% | 16.79% | 57.84% | -17.58% | 7.69% | 95.33% | 60.72% | -3.09% | 34.23% |
Correlation
The correlation between SAIA and PFSI is 0.25, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.25 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.31 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.35 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.30 |
Correlation (All Time) Calculated using the full available price history since May 9, 2013 | 0.28 |
The correlation between SAIA and PFSI shifts across timeframes, from 0.25 (1 year) to 0.35 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
SAIA:
$11.69B
PFSI:
$4.30B
SAIA:
$9.52
PFSI:
$9.41
SAIA:
45.80
PFSI:
8.48
SAIA:
16.51
PFSI:
0.57
SAIA:
3.59
PFSI:
1.21
SAIA:
4.45
PFSI:
0.99
SAIA:
$3.25B
PFSI:
$3.54B
SAIA:
$1.27B
PFSI:
$2.50B
SAIA:
$603.31M
PFSI:
$1.04B
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Return for Risk
SAIA vs. PFSI — Risk / Return Rank
SAIA
PFSI
SAIA vs. PFSI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Saia, Inc. (SAIA) and PennyMac Financial Services, Inc. (PFSI). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SAIA | PFSI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.78 | ||
| Sortino ratioReturn per unit of downside risk | +2.24 | ||
| Omega ratioGain probability vs. loss probability | 1.25 | 0.98 | +0.27 |
| Calmar ratioReturn relative to maximum drawdown | 2.83 | -0.31 | +3.14 |
| Martin ratioReturn relative to average drawdown | 7.35 | -0.55 | +7.90 |
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Drawdowns
SAIA vs. PFSI - Drawdown Comparison
The maximum SAIA drawdown since its inception was -80.35%, which is greater than PFSI's maximum drawdown of -56.49%. Use the drawdown chart below to compare losses from any high point for SAIA and PFSI.
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Drawdown Indicators
| SAIA | PFSI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -80.35% | -56.49% | -23.86% |
Max Drawdown (1Y)Largest decline over 1 year | -24.92% | -49.77% | +24.85% |
Max Drawdown (3Y)Largest decline over 3 years | -60.94% | -49.77% | -11.17% |
Max Drawdown (5Y)Largest decline over 5 years | -60.94% | -49.77% | -11.17% |
Max Drawdown (10Y)Largest decline over 10 years | -60.94% | -56.49% | -4.45% |
Current DrawdownCurrent decline from peak | -28.04% | -49.61% | +21.57% |
Average DrawdownAverage peak-to-trough decline | -28.95% | -17.27% | -11.68% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.56% | 27.87% | -18.31% |
Volatility
SAIA vs. PFSI - Volatility Comparison
Saia, Inc. (SAIA) has a higher volatility of 12.22% compared to PennyMac Financial Services, Inc. (PFSI) at 9.00%. This indicates that SAIA's price experiences larger fluctuations and is considered to be riskier than PFSI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| SAIA | PFSI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 12.22% | 9.00% | +3.22% |
Volatility (6M)Calculated over the trailing 6-month period | 35.79% | 46.65% | -10.86% |
Volatility (1Y)Calculated over the trailing 1-year period | 48.71% | 46.21% | +2.50% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 51.49% | 36.57% | +14.92% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 45.80% | 39.41% | +6.39% |
Dividends
SAIA vs. PFSI - Dividend Comparison
SAIA has not paid dividends to shareholders, while PFSI's dividend yield for the trailing twelve months is around 1.50%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
PFSI PennyMac Financial Services, Inc. | 1.50% | 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% |
Financials
SAIA vs. PFSI - Financials Comparison
This section allows you to compare key financial metrics between Saia, Inc. and PennyMac Financial Services, 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
SAIA vs. PFSI - Profitability Comparison
SAIA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Saia, Inc. reported a gross profit of 741.90M and revenue of 806.23M. Therefore, the gross margin over that period was 92.0%.
PFSI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, PennyMac Financial Services, Inc. reported a gross profit of 530.59M and revenue of 544.98M. Therefore, the gross margin over that period was 97.4%.
SAIA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Saia, Inc. reported an operating income of 66.81M and revenue of 806.23M, resulting in an operating margin of 8.3%.
PFSI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, PennyMac Financial Services, Inc. reported an operating income of 293.10M and revenue of 544.98M, resulting in an operating margin of 53.8%.
SAIA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Saia, Inc. reported a net income of 49.87M and revenue of 806.23M, resulting in a net margin of 6.2%.
PFSI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, PennyMac Financial Services, Inc. reported a net income of 82.32M and revenue of 544.98M, resulting in a net margin of 15.1%.
Frequently Asked Questions
SAIA and PFSI have a correlation of 0.25, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
SAIA has higher volatility (12.22%) compared to PFSI (9.00%). In terms of maximum drawdown, SAIA dropped -80.35% vs PFSI's -56.49%.
SAIA currently has the higher Sharpe Ratio (1.45 vs -0.33), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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