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 28.28%/yr vs 20.63%/yr for PFSI. Their 0.28 correlation means their historical movements had little consistent relationship.
Performance
SAIA vs. PFSI - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, SAIA achieves a 6.47% return, which is significantly higher than PFSI's -42.41% return. Over the past 10 years, SAIA has outperformed PFSI with an annualized return of 28.28%, while PFSI has yielded a comparatively lower 20.63% annualized return.
SAIA
- 1D
- -0.86%
- 1M
- -16.57%
- 6M
- 3.81%
- YTD
- 6.47%
- 1Y
- 18.61%
- 3Y*
- -6.52%
- 5Y*
- 8.99%
- 10Y*
- 28.28%
- ALL TIME*
- 16.18%
PFSI
- 1D
- -0.61%
- 1M
- -9.66%
- 6M
- -24.02%
- YTD
- -42.41%
- 1Y
- -20.37%
- 3Y*
- 1.43%
- 5Y*
- 4.98%
- 10Y*
- 20.63%
- ALL TIME*
- 12.20%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $57.90M | $47.01M | $49.12M | |
SAIA Saia, Inc. | $206.79M | $192.75M | $185.37M |
SAIA vs. PFSI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
SAIA Saia, Inc. | 6.47% | -28.35% | 4.00% | 108.99% | -37.79% | 86.41% | 94.16% | 66.82% | -21.10% | 60.25% |
PFSI PennyMac Financial Services, Inc. | -42.41% | 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 0.22, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.22 |
Correlation (3Y) Balances recent behavior with more history. | 0.29 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.35 |
Correlation (10Y) Provides a long-term view across more market conditions. | 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 0.22 (1 year) to 0.35 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
SAIA:
$9.27B
PFSI:
$3.92B
SAIA:
$10.37
PFSI:
$9.60
SAIA:
33.52
PFSI:
7.85
SAIA:
12.09
PFSI:
0.53
SAIA:
2.75
PFSI:
1.31
SAIA:
3.42
PFSI:
0.93
SAIA:
$3.39B
PFSI:
$3.11B
SAIA:
$1.37B
PFSI:
$2.50B
SAIA:
$632.34M
PFSI:
$1.22B
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
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 | +0.69 | ||
| Sortino ratioReturn per unit of downside risk | +0.97 | ||
| Omega ratioGain probability vs. loss probability | 1.10 | 0.97 | +0.13 |
| Calmar ratioReturn relative to maximum drawdown | 0.53 | -0.35 | +0.87 |
| Martin ratioReturn relative to average drawdown | 1.53 | -0.57 | +2.09 |
Loading charts...
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.
Loading charts...
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 | -28.64% | -52.39% | +23.75% |
Max Drawdown (3Y)Largest decline over 3 years | -60.94% | -52.39% | -8.55% |
Max Drawdown (5Y)Largest decline over 5 years | -60.94% | -52.39% | -8.55% |
Max Drawdown (10Y)Largest decline over 10 years | -60.94% | -56.49% | -4.45% |
Current DrawdownCurrent decline from peak | -42.63% | -52.39% | +9.76% |
Average DrawdownAverage peak-to-trough decline | -28.96% | -17.53% | -11.43% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.87% | 31.98% | -22.11% |
Volatility
SAIA vs. PFSI - Volatility Comparison
Saia, Inc. (SAIA) and PennyMac Financial Services, Inc. (PFSI) have volatilities of 14.55% and 14.59%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| SAIA | PFSI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 14.55% | 14.59% | -0.04% |
Volatility (6M)Calculated over the trailing 6-month period | 37.05% | 47.54% | -10.49% |
Volatility (1Y)Calculated over the trailing 1-year period | 48.48% | 47.24% | +1.24% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 51.63% | 37.05% | +14.58% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 45.73% | 39.36% | +6.37% |
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 1.59%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
PFSI PennyMac Financial Services, Inc. | 1.59% | 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 Aug 2026, Saia, Inc. reported a gross profit of 871.51M and revenue of 956.49M. Therefore, the gross margin over that period was 91.1%.
PFSI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, PennyMac Financial Services, Inc. reported a gross profit of 481.00M and revenue of 497.00M. Therefore, the gross margin over that period was 96.8%.
SAIA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Saia, Inc. reported an operating income of 125.21M and revenue of 956.49M, resulting in an operating margin of 13.1%.
PFSI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, PennyMac Financial Services, Inc. reported an operating income of 241.00M and revenue of 497.00M, resulting in an operating margin of 48.5%.
SAIA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Saia, Inc. reported a net income of 94.26M and revenue of 956.49M, resulting in a net margin of 9.9%.
PFSI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, PennyMac Financial Services, Inc. reported a net income of 146.00M and revenue of 497.00M, resulting in a net margin of 29.4%.
Frequently Asked Questions
SAIA and PFSI have a correlation of 0.22, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PFSI has higher volatility (14.59%) compared to SAIA (14.55%). In terms of maximum drawdown, SAIA dropped -80.35% vs PFSI's -56.49%.
SAIA currently has the higher Sharpe Ratio (0.31 vs -0.38), 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.
Find the right allocation for SAIA and PFSI
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer