EXPI vs RKT vs COMP vs UWMC vs PFSI

For growth investors, PennyMac Financial Services, Inc.

(PFSI) is the stronger pick with 173. 8% revenue growth year-over-year, versus 4. 5% for eXp World Holdings, Inc. (EXPI). PennyMac Financial Services, Inc. (PFSI) offers the better valuation at 9. 4x trailing P/E (7. 1x forward), making it the more compelling value choice. Analysts rate eXp World Holdings, Inc. (EXPI) a "Buy" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, PennyMac Financial Services, Inc.

(PFSI) is the cheapest at 9. 4x versus Rocket Companies, Inc. at 67. 1x. On forward P/E, PennyMac Financial Services, Inc. is actually cheaper at 7. 1x.

Over the past 5 years, PennyMac Financial Services, Inc.

(PFSI) delivered a total return of +53. 5%, compared to -76. 7% for eXp World Holdings, Inc. (EXPI). Over 10 years, the gap is even starker: EXPI returned +688. 3% versus COMP's -64. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), PennyMac Financial Services, Inc.

(PFSI) is the lower-risk stock at 0. 93β versus Compass, Inc. 's 1. 79β — meaning COMP is approximately 93% more volatile than PFSI relative to the S&P 500. On balance sheet safety, Compass, Inc. (COMP) carries a lower debt/equity ratio of 58% versus 5% for PennyMac Financial Services, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), PennyMac Financial Services, Inc.

(PFSI) is pulling ahead at 173. 8% versus 4. 5% for eXp World Holdings, Inc. (EXPI). On earnings-per-share growth, the picture is similar: Compass, Inc. grew EPS 67. 7% year-over-year, compared to -7. 7% for UWM Holdings Corporation. Over a 3-year CAGR, COMP leads at 5. 0% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

PennyMac Financial Services, Inc.

(PFSI) is the more profitable company, earning 11. 5% net margin versus -0. 8% for Compass, Inc. — meaning it keeps 11. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: UWMC leads at 58. 0% versus -0. 4% for EXPI. At the gross margin level — before operating expenses — PFSI leads at 91. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, PennyMac Financial Services, Inc.

(PFSI) trades at 7. 1x forward P/E versus 93. 1x for eXp World Holdings, Inc. — 86. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for COMP: 96. 8% to $14. 29.

In this comparison, UWMC (10.

9% yield), EXPI (3. 1% yield), PFSI (1. 3% yield) pay a dividend. RKT, COMP do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, PennyMac Financial Services, Inc.

(PFSI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 93), 1. 3% yield, +598. 9% 10Y return). Compass, Inc. (COMP) carries a higher beta of 1. 79 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (PFSI: +598. 9%, COMP: -64. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (EXPI (Real Estate) and RKT (Financial Services) and COMP (Technology) and UWMC (Financial Services) and PFSI (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: EXPI is a small-cap income-oriented stock; RKT is a small-cap high-growth stock; COMP is a small-cap high-growth stock; UWMC is a small-cap high-growth stock; PFSI is a small-cap high-growth stock. EXPI, UWMC, PFSI pay a dividend while RKT, COMP do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.