LGHL
Lion Group Holding Ltd.
Financial - Capital Markets
Market Cap$168K
5Y Perf.-100.0%
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Stock Comparison
LGHL 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%
LGHL vs PFSI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | LGHL | PFSI |
|---|---|---|
| Industry | Financial - Capital Markets | Financial - Mortgages |
| Market Cap | $168K | $4.62B |
| Revenue (TTM) | $-31M | $4.36B |
| Net Income (TTM) | $-41M | $507M |
| Gross Margin | 119.5% | 91.4% |
| Operating Margin | 169.8% | 34.6% |
| Forward P/E | — | 7.2x |
| Total Debt | $5M | $23.06B |
| Cash & Equiv. | $17M | $302M |
LGHL vs PFSI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
LGHL
PFSI
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Lion Group Holding … (LGHL) | 100 | 0.0 | -100.0% |
| PennyMac Financial … (PFSI) | 100 | 264.0 | +164.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LGHL vs PFSI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PFSI leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and capital preservation and lower volatility. Lion Group Holding Ltd. is the stronger pick specifically for valuation and capital efficiency and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
LGHL
Lion Group Holding Ltd.
The Banking Pick
LGHL is the clearest fit if your priority is sleep-well-at-night.
- Lower volatility, beta 2.04, Low D/E 64.3%, current ratio 0.67x
- Better valuation composite
- 87.7% margin vs PFSI's 11.5%
Best for: 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 income & stability and growth exposure.
- Dividend streak 2 yrs, beta 0.93, yield 1.3%
- Rev growth 173.8%, EPS growth 59.2%
- 6.0% 10Y total return vs LGHL's -100.0%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PFSI | 173.8% NII/revenue growth vs LGHL's -278.8% |
| Value | LGHL | Better valuation composite |
| Quality / Margins | LGHL | 87.7% margin vs PFSI's 11.5% |
| Stability / Safety | PFSI | Beta 0.93 vs LGHL's 2.04 |
| Dividends | PFSI | 1.3% yield; 2-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | PFSI | -8.0% vs LGHL's -99.6% |
| Efficiency (ROA) | PFSI | 1.8% ROA vs LGHL's -79.2%, ROIC 4.4% vs -187.3% |
LGHL vs PFSI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
LGHL vs PFSI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPFSILAGGINGLGHL
LGHLLion Group Holding Lt…
2leads
PFSIPennyMac Financial Se…
4leads
6 Total Categories
CATEGORYLEADERvs LGHLMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
LGHL4/5
Valuation MetricsMultiples, price ratios, and targets
LGHL2/2
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PFSI6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PFSI6/6
Risk & VolatilityBeta, volatility, and downside exposure
PFSI2/2
Analyst OutlookRatings, price targets, and dividends
PFSI1/1
Income & Cash Flow (Last 12 Months)
LGHL leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PFSI and LGHL operate at a comparable scale, with $4.4B and -$31M in trailing revenue. LGHL is the more profitable business, keeping 87.7% of every revenue dollar as net income compared to PFSI's 11.5%.
| Metric | LGHLLion Group Holdin… | PFSIPennyMac Financia… |
|---|---|---|
| RevenueTrailing 12 months | -$31M | $4.4B |
| EBITDAEarnings before interest/tax | -$56M | $1.0B |
| Net IncomeAfter-tax profit | -$41M | $507M |
| Free Cash FlowCash after capex | -$19M | -$3.8B |
| Gross MarginGross profit ÷ Revenue | +119.5% | +91.4% |
| Operating MarginEBIT ÷ Revenue | +169.8% | +34.6% |
| Net MarginNet income ÷ Revenue | +87.7% | +11.5% |
| FCF MarginFCF ÷ Revenue | +61.1% | -32.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -74.4% | +7.7% |
LGHL leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
LGHL leads this category, winning 2 of 2 comparable metrics.
Valuation Metrics
| Metric | LGHLLion Group Holdin… | PFSIPennyMac Financia… |
|---|---|---|
| Market CapShares × price | $168,280 | $4.6B |
| Enterprise ValueMkt cap + debt − cash | -$12M | $27.4B |
| Trailing P/EPrice ÷ TTM EPS | -0.01x | 9.53x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 7.17x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 18.11x |
| Price / SalesMarket cap ÷ Revenue | — | 1.06x |
| Price / BookPrice ÷ Book value/share | 0.02x | 1.11x |
| Price / FCFMarket cap ÷ FCF | — | — |
LGHL leads this category, winning 2 of 2 comparable metrics.
Profitability & Efficiency
PFSI leads this category, winning 6 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 $-3 for LGHL. LGHL carries lower financial leverage with a 0.64x debt-to-equity ratio, signaling a more conservative balance sheet compared to PFSI's 5.35x. On the Piotroski fundamental quality scale (0–9), PFSI scores 4/9 vs LGHL's 2/9, reflecting mixed financial health.
| Metric | LGHLLion Group Holdin… | PFSIPennyMac Financia… |
|---|---|---|
| ROE (TTM)Return on equity | -2.6% | +12.0% |
| ROA (TTM)Return on assets | -79.2% | +1.8% |
| ROICReturn on invested capital | -187.3% | +4.4% |
| ROCEReturn on capital employed | -2.7% | +10.4% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 4 |
| Debt / EquityFinancial leverage | 0.64x | 5.35x |
| Net DebtTotal debt minus cash | -$12M | $22.8B |
| Cash & Equiv.Liquid assets | $17M | $302M |
| Total DebtShort + long-term debt | $5M | $23.1B |
| Interest CoverageEBIT ÷ Interest expense | -55.08x | 1.35x |
PFSI leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PFSI leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PFSI five years ago would be worth $16,366 today (with dividends reinvested), compared to $0 for LGHL. Over the past 12 months, PFSI leads with a -8.0% total return vs LGHL's -99.6%. The 3-year compound annual growth rate (CAGR) favors PFSI at 16.8% vs LGHL's -96.9% — a key indicator of consistent wealth creation.
| Metric | LGHLLion Group Holdin… | PFSIPennyMac Financia… |
|---|---|---|
| YTD ReturnYear-to-date | -94.6% | -32.4% |
| 1-Year ReturnPast 12 months | -99.6% | -8.0% |
| 3-Year ReturnCumulative with dividends | -100.0% | +59.2% |
| 5-Year ReturnCumulative with dividends | -100.0% | +63.7% |
| 10-Year ReturnCumulative with dividends | -100.0% | +603.4% |
| CAGR (3Y)Annualised 3-year return | -96.9% | +16.8% |
PFSI leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
PFSI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PFSI is the less volatile stock with a 0.93 beta — it tends to amplify market swings less than LGHL's 2.04 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PFSI currently trades 55.3% from its 52-week high vs LGHL's 0.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LGHLLion Group Holdin… | PFSIPennyMac Financia… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.04x | 0.93x |
| 52-Week HighHighest price in past year | $377.52 | $160.36 |
| 52-Week LowLowest price in past year | $0.75 | $82.67 |
| % of 52W HighCurrent price vs 52-week peak | +0.2% | +55.3% |
| RSI (14)Momentum oscillator 0–100 | 21.1 | 40.4 |
| Avg Volume (50D)Average daily shares traded | 32K | 604K |
PFSI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
PFSI leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
PFSI is the only dividend payer here at 1.31% yield — a key consideration for income-focused portfolios.
| Metric | LGHLLion Group Holdin… | PFSIPennyMac Financia… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $143.00 |
| # AnalystsCovering analysts | — | 20 |
| Dividend YieldAnnual dividend ÷ price | — | +1.3% |
| Dividend StreakConsecutive years of raises | 1 | 2 |
| Dividend / ShareAnnual DPS | — | $1.16 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.1% |
PFSI leads this category, winning 1 of 1 comparable metric.
Key Takeaway
PFSI leads in 4 of 6 categories (Profitability & Efficiency, Total Returns). LGHL leads in 2 (Income & Cash Flow, Valuation Metrics).
Best OverallPennyMac Financial Services… (PFSI)Leads 4 of 6 categories
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LGHL vs PFSI: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is LGHL 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 -278. 8% for Lion Group Holding Ltd. (LGHL). PennyMac Financial Services, Inc. (PFSI) offers the better valuation at 9. 5x trailing P/E (7. 2x forward), making it the more compelling value choice. Analysts rate PennyMac Financial Services, Inc. (PFSI) a "Buy" — based on 20 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 is the better long-term investment — LGHL or PFSI?
Over the past 5 years, PennyMac Financial Services, Inc.
(PFSI) delivered a total return of +63. 7%, compared to -100. 0% for Lion Group Holding Ltd. (LGHL). Over 10 years, the gap is even starker: PFSI returned +603. 4% versus LGHL's -100. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — LGHL or PFSI?
By beta (market sensitivity over 5 years), PennyMac Financial Services, Inc.
(PFSI) is the lower-risk stock at 0. 93β versus Lion Group Holding Ltd. 's 2. 04β — meaning LGHL is approximately 120% more volatile than PFSI relative to the S&P 500. On balance sheet safety, Lion Group Holding Ltd. (LGHL) carries a lower debt/equity ratio of 64% versus 5% for PennyMac Financial Services, Inc. — giving it more financial flexibility in a downturn.
04Which is growing faster — LGHL or PFSI?
By revenue growth (latest reported year), PennyMac Financial Services, Inc.
(PFSI) is pulling ahead at 173. 8% versus -278. 8% for Lion Group Holding Ltd. (LGHL). On earnings-per-share growth, the picture is similar: PennyMac Financial Services, Inc. grew EPS 59. 2% year-over-year, compared to -21. 2% for Lion Group Holding Ltd.. 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.
05Which has better profit margins — LGHL or PFSI?
Lion Group Holding Ltd.
(LGHL) is the more profitable company, earning 87. 7% net margin versus 11. 5% for PennyMac Financial Services, Inc. — meaning it keeps 87. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LGHL leads at 169. 8% versus 34. 6% for PFSI. At the gross margin level — before operating expenses — LGHL leads at 119. 5%, 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.
06Which pays a better dividend — LGHL or PFSI?
In this comparison, PFSI (1.
3% yield) pays a dividend. LGHL does not pay a meaningful dividend and should not be held primarily for income.
07Is LGHL 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). Lion Group Holding Ltd. (LGHL) carries a higher beta of 2. 04 — 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: +603. 4%, LGHL: -100. 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.
08What are the main differences between LGHL 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: LGHL is a small-cap quality compounder stock; PFSI is a small-cap high-growth stock. PFSI pays a dividend while LGHL 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>
%
(LGHL: -278.8% · PFSI: 173.8%)Net Margin>
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