GLRE
Greenlight Capital Re, Ltd.
Insurance - Reinsurance
Market Cap$590M
5Y Perf.+145.9%
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Stock Comparison
GLRE vs PFSI
Revenue, margins, valuation, and 5-year total return — side by side.
PFSI
PennyMac Financial Services, Inc.
Financial - Mortgages
Market Cap$4.62B
5Y Perf.+164.0%
GLRE vs PFSI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | GLRE | PFSI |
|---|---|---|
| Industry | Insurance - Reinsurance | Financial - Mortgages |
| Market Cap | $590M | $4.62B |
| Revenue (TTM) | $706M | $4.36B |
| Net Income (TTM) | $81M | $507M |
| Gross Margin | 38.9% | 91.4% |
| Operating Margin | 6.7% | 34.6% |
| Forward P/E | 8.9x | 7.2x |
| Total Debt | $5M | $23.06B |
| Cash & Equiv. | $112M | $302M |
GLRE vs PFSI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
GLRE
PFSI
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Greenlight Capital … (GLRE) | 100 | 245.9 | +145.9% |
| PennyMac Financial … (PFSI) | 100 | 264.0 | +164.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: GLRE vs PFSI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PFSI leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Greenlight Capital Re, Ltd. is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
GLRE
Greenlight Capital Re, Ltd.
The Insurance Pick
GLRE is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.40
- Lower volatility, beta 0.40, Low D/E 0.7%, current ratio 0.99x
- Beta 0.40, current ratio 0.99x
Best for: income & stability and sleep-well-at-night
PFSI
PennyMac Financial Services, Inc.
The Banking Pick
PFSI carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 173.8%, EPS growth 59.2%
- 6.0% 10Y total return vs GLRE's -16.4%
- 173.8% NII/revenue growth vs GLRE's 7.5%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PFSI | 173.8% NII/revenue growth vs GLRE's 7.5% |
| Value | PFSI | Lower P/E (7.2x vs 8.9x) |
| Quality / Margins | PFSI | 11.5% margin vs GLRE's 11.5% |
| Stability / Safety | GLRE | Beta 0.40 vs PFSI's 0.93, lower leverage |
| Dividends | PFSI | 1.3% yield; 2-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | GLRE | +32.4% vs PFSI's -8.0% |
| Efficiency (ROA) | GLRE | 3.8% ROA vs PFSI's 1.8%, ROIC 9.5% vs 4.4% |
GLRE vs PFSI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
GLRE vs PFSI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLGLRELAGGINGPFSI
PFSIPennyMac Financial Se…
2leads
GLREGreenlight Capital Re…
4leads
6 Total Categories
CATEGORYLEADERvs PFSIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PFSI3/5
Valuation MetricsMultiples, price ratios, and targets
GLRE4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
GLRE7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
GLRE5/6
Risk & VolatilityBeta, volatility, and downside exposure
GLRE2/2
Analyst OutlookRatings, price targets, and dividends
PFSI1/1
Income & Cash Flow (Last 12 Months)
PFSI leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PFSI is the larger business by revenue, generating $4.4B annually — 6.2x GLRE's $706M. Profitability is closely matched — net margins range from 11.5% (PFSI) to 11.5% (GLRE).
| Metric | GLREGreenlight Capita… | PFSIPennyMac Financia… |
|---|---|---|
| RevenueTrailing 12 months | $706M | $4.4B |
| EBITDAEarnings before interest/tax | $51M | $1.0B |
| Net IncomeAfter-tax profit | $81M | $507M |
| Free Cash FlowCash after capex | $237M | -$3.8B |
| Gross MarginGross profit ÷ Revenue | +38.9% | +91.4% |
| Operating MarginEBIT ÷ Revenue | +6.7% | +34.6% |
| Net MarginNet income ÷ Revenue | +11.5% | +11.5% |
| FCF MarginFCF ÷ Revenue | +33.6% | -32.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +5.6% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +22.1% | +7.7% |
PFSI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
GLRE leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 8.2x trailing earnings, GLRE trades at a 14% valuation discount to PFSI's 9.5x P/E. On an enterprise value basis, GLRE's 5.8x EV/EBITDA is more attractive than PFSI's 18.1x.
| Metric | GLREGreenlight Capita… | PFSIPennyMac Financia… |
|---|---|---|
| Market CapShares × price | $590M | $4.6B |
| Enterprise ValueMkt cap + debt − cash | $483M | $27.4B |
| Trailing P/EPrice ÷ TTM EPS | 8.20x | 9.53x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.88x | 7.17x |
| PEG RatioP/E ÷ EPS growth rate | 0.10x | — |
| EV / EBITDAEnterprise value multiple | 5.82x | 18.11x |
| Price / SalesMarket cap ÷ Revenue | 0.85x | 1.06x |
| Price / BookPrice ÷ Book value/share | 0.87x | 1.11x |
| Price / FCFMarket cap ÷ FCF | 2.81x | — |
GLRE leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
GLRE leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
PFSI delivers a 12.0% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $12 for GLRE. GLRE carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to PFSI's 5.35x. On the Piotroski fundamental quality scale (0–9), GLRE scores 7/9 vs PFSI's 4/9, reflecting strong financial health.
| Metric | GLREGreenlight Capita… | PFSIPennyMac Financia… |
|---|---|---|
| ROE (TTM)Return on equity | +11.7% | +12.0% |
| ROA (TTM)Return on assets | +3.8% | +1.8% |
| ROICReturn on invested capital | +9.5% | +4.4% |
| ROCEReturn on capital employed | +6.0% | +10.4% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 4 |
| Debt / EquityFinancial leverage | 0.01x | 5.35x |
| Net DebtTotal debt minus cash | -$107M | $22.8B |
| Cash & Equiv.Liquid assets | $112M | $302M |
| Total DebtShort + long-term debt | $5M | $23.1B |
| Interest CoverageEBIT ÷ Interest expense | 15.78x | 1.35x |
GLRE leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
GLRE leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in GLRE five years ago would be worth $19,911 today (with dividends reinvested), compared to $16,366 for PFSI. Over the past 12 months, GLRE leads with a +32.4% total return vs PFSI's -8.0%. The 3-year compound annual growth rate (CAGR) favors GLRE at 20.5% vs PFSI's 16.8% — a key indicator of consistent wealth creation.
| Metric | GLREGreenlight Capita… | PFSIPennyMac Financia… |
|---|---|---|
| YTD ReturnYear-to-date | +25.7% | -32.4% |
| 1-Year ReturnPast 12 months | +32.4% | -8.0% |
| 3-Year ReturnCumulative with dividends | +74.9% | +59.2% |
| 5-Year ReturnCumulative with dividends | +99.1% | +63.7% |
| 10-Year ReturnCumulative with dividends | -16.4% | +603.4% |
| CAGR (3Y)Annualised 3-year return | +20.5% | +16.8% |
GLRE leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
GLRE leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
GLRE is the less volatile stock with a 0.40 beta — it tends to amplify market swings less than PFSI's 0.93 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. GLRE currently trades 91.8% from its 52-week high vs PFSI's 55.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | GLREGreenlight Capita… | PFSIPennyMac Financia… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.40x | 0.93x |
| 52-Week HighHighest price in past year | $19.39 | $160.36 |
| 52-Week LowLowest price in past year | $11.57 | $82.67 |
| % of 52W HighCurrent price vs 52-week peak | +91.8% | +55.3% |
| RSI (14)Momentum oscillator 0–100 | 49.6 | 40.4 |
| Avg Volume (50D)Average daily shares traded | 204K | 604K |
GLRE leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
PFSI leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates GLRE as "Buy" and PFSI as "Buy". PFSI is the only dividend payer here at 1.31% yield — a key consideration for income-focused portfolios.
| Metric | GLREGreenlight Capita… | PFSIPennyMac Financia… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $143.00 |
| # AnalystsCovering analysts | 3 | 20 |
| Dividend YieldAnnual dividend ÷ price | — | +1.3% |
| Dividend StreakConsecutive years of raises | 1 | 2 |
| Dividend / ShareAnnual DPS | — | $1.16 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.7% | +0.1% |
PFSI leads this category, winning 1 of 1 comparable metric.
Key Takeaway
GLRE leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). PFSI leads in 2 (Income & Cash Flow, Analyst Outlook).
Best OverallGreenlight Capital Re, Ltd. (GLRE)Leads 4 of 6 categories
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GLRE vs PFSI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is GLRE or PFSI a better buy right now?
For growth investors, PennyMac Financial Services, Inc.
(PFSI) is the stronger pick with 173. 8% revenue growth year-over-year, versus 7. 5% for Greenlight Capital Re, Ltd. (GLRE). Greenlight Capital Re, Ltd. (GLRE) offers the better valuation at 8. 2x trailing P/E (8. 9x forward), making it the more compelling value choice. Analysts rate Greenlight Capital Re, Ltd. (GLRE) a "Buy" — based on 3 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.
02Which has the better valuation — GLRE or PFSI?
On trailing P/E, Greenlight Capital Re, Ltd.
(GLRE) is the cheapest at 8. 2x versus PennyMac Financial Services, Inc. at 9. 5x. On forward P/E, PennyMac Financial Services, Inc. is actually cheaper at 7. 2x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — GLRE or PFSI?
Over the past 5 years, Greenlight Capital Re, Ltd.
(GLRE) delivered a total return of +99. 1%, compared to +63. 7% for PennyMac Financial Services, Inc. (PFSI). Over 10 years, the gap is even starker: PFSI returned +603. 4% versus GLRE's -16. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — GLRE or PFSI?
By beta (market sensitivity over 5 years), Greenlight Capital Re, Ltd.
(GLRE) is the lower-risk stock at 0. 40β versus PennyMac Financial Services, Inc. 's 0. 93β — meaning PFSI is approximately 134% more volatile than GLRE relative to the S&P 500. On balance sheet safety, Greenlight Capital Re, Ltd. (GLRE) carries a lower debt/equity ratio of 1% versus 5% for PennyMac Financial Services, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — GLRE or PFSI?
By revenue growth (latest reported year), PennyMac Financial Services, Inc.
(PFSI) is pulling ahead at 173. 8% versus 7. 5% for Greenlight Capital Re, Ltd. (GLRE). On earnings-per-share growth, the picture is similar: Greenlight Capital Re, Ltd. grew EPS 75. 0% year-over-year, compared to 59. 2% for PennyMac Financial Services, Inc.. 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.
06Which has better profit margins — GLRE or PFSI?
PennyMac Financial Services, Inc.
(PFSI) is the more profitable company, earning 11. 5% net margin versus 10. 7% for Greenlight Capital Re, Ltd. — meaning it keeps 11. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PFSI leads at 34. 6% versus 11. 2% for GLRE. 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.
07Is GLRE or PFSI more undervalued right now?
On forward earnings alone, PennyMac Financial Services, Inc.
(PFSI) trades at 7. 2x forward P/E versus 8. 9x for Greenlight Capital Re, Ltd. — 1. 7x cheaper on a one-year earnings basis.
08Which pays a better dividend — GLRE or PFSI?
In this comparison, PFSI (1.
3% yield) pays a dividend. GLRE does not pay a meaningful dividend and should not be held primarily for income.
09Is GLRE or PFSI better for a retirement portfolio?
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, +603. 4% 10Y return). Both have compounded well over 10 years (PFSI: +603. 4%, GLRE: -16. 4%), 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.
10What are the main differences between GLRE and PFSI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: GLRE is a small-cap deep-value stock; PFSI is a small-cap high-growth stock. PFSI pays a dividend while GLRE does 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.
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Revenue Growth>
%
(GLRE: 5.6% · PFSI: 173.8%)Net Margin>
%
(GLRE: 11.5% · PFSI: 11.5%)P/E Ratio<
x
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