SPNT
SiriusPoint Ltd.
Insurance - Reinsurance
Market Cap$2.75B
5Y Perf.+218.7%
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Stock Comparison
SPNT 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%
SPNT vs PFSI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SPNT | PFSI |
|---|---|---|
| Industry | Insurance - Reinsurance | Financial - Mortgages |
| Market Cap | $2.75B | $4.62B |
| Revenue (TTM) | $3.19B | $4.36B |
| Net Income (TTM) | $460M | $507M |
| Gross Margin | 39.5% | 91.4% |
| Operating Margin | 17.0% | 34.6% |
| Forward P/E | 9.1x | 7.2x |
| Total Debt | $689M | $23.06B |
| Cash & Equiv. | $902M | $302M |
SPNT vs PFSI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SPNT
PFSI
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| SiriusPoint Ltd. (SPNT) | 100 | 318.7 | +218.7% |
| PennyMac Financial … (PFSI) | 100 | 264.0 | +164.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SPNT vs PFSI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: SPNT leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. PennyMac Financial Services, Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
SPNT
SiriusPoint Ltd.
The Insurance Pick
SPNT carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 2 yrs, beta 0.46, yield 0.6%
- Lower volatility, beta 0.46, Low D/E 27.9%
- Beta 0.46, yield 0.6%
Best for: income & stability and sleep-well-at-night
PFSI
PennyMac Financial Services, Inc.
The Banking Pick
PFSI is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 173.8%, EPS growth 59.2%
- 6.0% 10Y total return vs SPNT's 114.8%
- 173.8% NII/revenue growth vs SPNT's 22.6%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PFSI | 173.8% NII/revenue growth vs SPNT's 22.6% |
| Value | PFSI | Lower P/E (7.2x vs 9.1x) |
| Quality / Margins | SPNT | 14.4% margin vs PFSI's 11.5% |
| Stability / Safety | SPNT | Beta 0.46 vs PFSI's 0.93, lower leverage |
| Dividends | PFSI | 1.3% yield, 2-year raise streak, vs SPNT's 0.6% |
| Momentum (1Y) | SPNT | +22.0% vs PFSI's -8.0% |
| Efficiency (ROA) | SPNT | 4.9% ROA vs PFSI's 1.8%, ROIC 19.6% vs 4.4% |
SPNT vs PFSI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
SPNT vs PFSI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLSPNTLAGGINGPFSI
PFSIPennyMac Financial Se…
1leads
SPNTSiriusPoint Ltd.
5leads
6 Total Categories
CATEGORYLEADERvs PFSIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
SPNT3/5
Valuation MetricsMultiples, price ratios, and targets
SPNT3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
SPNT8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
SPNT5/6
Risk & VolatilityBeta, volatility, and downside exposure
SPNT2/2
Analyst OutlookRatings, price targets, and dividends
PFSI1/1
Income & Cash Flow (Last 12 Months)
SPNT leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PFSI and SPNT operate at a comparable scale, with $4.4B and $3.2B in trailing revenue. Profitability is closely matched — net margins range from 14.4% (SPNT) to 11.5% (PFSI).
| Metric | SPNTSiriusPoint Ltd. | PFSIPennyMac Financia… |
|---|---|---|
| RevenueTrailing 12 months | $3.2B | $4.4B |
| EBITDAEarnings before interest/tax | $569M | $1.0B |
| Net IncomeAfter-tax profit | $460M | $507M |
| Free Cash FlowCash after capex | $96M | -$3.8B |
| Gross MarginGross profit ÷ Revenue | +39.5% | +91.4% |
| Operating MarginEBIT ÷ Revenue | +17.0% | +34.6% |
| Net MarginNet income ÷ Revenue | +14.4% | +11.5% |
| FCF MarginFCF ÷ Revenue | +3.0% | -32.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | +55.6% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +18.9% | +7.7% |
SPNT leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
SPNT leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
At 6.4x trailing earnings, SPNT trades at a 32% valuation discount to PFSI's 9.5x P/E. On an enterprise value basis, SPNT's 4.7x EV/EBITDA is more attractive than PFSI's 18.1x.
| Metric | SPNTSiriusPoint Ltd. | PFSIPennyMac Financia… |
|---|---|---|
| Market CapShares × price | $2.8B | $4.6B |
| Enterprise ValueMkt cap + debt − cash | $2.5B | $27.4B |
| Trailing P/EPrice ÷ TTM EPS | 6.44x | 9.53x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.11x | 7.17x |
| PEG RatioP/E ÷ EPS growth rate | 0.34x | — |
| EV / EBITDAEnterprise value multiple | 4.68x | 18.11x |
| Price / SalesMarket cap ÷ Revenue | 0.86x | 1.06x |
| Price / BookPrice ÷ Book value/share | 1.16x | 1.11x |
| Price / FCFMarket cap ÷ FCF | 5.35x | — |
SPNT leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
SPNT leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
SPNT delivers a 20.9% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $12 for PFSI. SPNT carries lower financial leverage with a 0.28x debt-to-equity ratio, signaling a more conservative balance sheet compared to PFSI's 5.35x. On the Piotroski fundamental quality scale (0–9), SPNT scores 6/9 vs PFSI's 4/9, reflecting solid financial health.
| Metric | SPNTSiriusPoint Ltd. | PFSIPennyMac Financia… |
|---|---|---|
| ROE (TTM)Return on equity | +20.9% | +12.0% |
| ROA (TTM)Return on assets | +4.9% | +1.8% |
| ROICReturn on invested capital | +19.6% | +4.4% |
| ROCEReturn on capital employed | +8.6% | +10.4% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 4 |
| Debt / EquityFinancial leverage | 0.28x | 5.35x |
| Net DebtTotal debt minus cash | -$214M | $22.8B |
| Cash & Equiv.Liquid assets | $902M | $302M |
| Total DebtShort + long-term debt | $689M | $23.1B |
| Interest CoverageEBIT ÷ Interest expense | 7.79x | 1.35x |
SPNT leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
SPNT leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SPNT five years ago would be worth $22,512 today (with dividends reinvested), compared to $16,366 for PFSI. Over the past 12 months, SPNT leads with a +22.0% total return vs PFSI's -8.0%. The 3-year compound annual growth rate (CAGR) favors SPNT at 36.3% vs PFSI's 16.8% — a key indicator of consistent wealth creation.
| Metric | SPNTSiriusPoint Ltd. | PFSIPennyMac Financia… |
|---|---|---|
| YTD ReturnYear-to-date | +11.6% | -32.4% |
| 1-Year ReturnPast 12 months | +22.0% | -8.0% |
| 3-Year ReturnCumulative with dividends | +153.2% | +59.2% |
| 5-Year ReturnCumulative with dividends | +125.1% | +63.7% |
| 10-Year ReturnCumulative with dividends | +114.8% | +603.4% |
| CAGR (3Y)Annualised 3-year return | +36.3% | +16.8% |
SPNT leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
SPNT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
SPNT is the less volatile stock with a 0.46 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. SPNT currently trades 98.2% from its 52-week high vs PFSI's 55.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SPNTSiriusPoint Ltd. | PFSIPennyMac Financia… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.46x | 0.93x |
| 52-Week HighHighest price in past year | $23.95 | $160.36 |
| 52-Week LowLowest price in past year | $17.17 | $82.67 |
| % of 52W HighCurrent price vs 52-week peak | +98.2% | +55.3% |
| RSI (14)Momentum oscillator 0–100 | 56.4 | 40.4 |
| Avg Volume (50D)Average daily shares traded | 615K | 604K |
SPNT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
PFSI leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Consensus price targets imply 61.3% upside for PFSI (target: $143) vs 6.3% for SPNT (target: $25). For income investors, PFSI offers the higher dividend yield at 1.31% vs SPNT's 0.56%.
| Metric | SPNTSiriusPoint Ltd. | PFSIPennyMac Financia… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | $25.00 | $143.00 |
| # AnalystsCovering analysts | — | 20 |
| Dividend YieldAnnual dividend ÷ price | +0.6% | +1.3% |
| Dividend StreakConsecutive years of raises | 2 | 2 |
| Dividend / ShareAnnual DPS | $0.13 | $1.16 |
| Buyback YieldShare repurchases ÷ mkt cap | +17.8% | +0.1% |
PFSI leads this category, winning 1 of 1 comparable metric.
Key Takeaway
SPNT leads in 5 of 6 categories (Income & Cash Flow, Valuation Metrics). PFSI leads in 1 (Analyst Outlook).
Best OverallSiriusPoint Ltd. (SPNT)Leads 5 of 6 categories
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SPNT vs PFSI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SPNT 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 22. 6% for SiriusPoint Ltd. (SPNT). SiriusPoint Ltd. (SPNT) offers the better valuation at 6. 4x trailing P/E (9. 1x 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 has the better valuation — SPNT or PFSI?
On trailing P/E, SiriusPoint Ltd.
(SPNT) is the cheapest at 6. 4x 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 — SPNT or PFSI?
Over the past 5 years, SiriusPoint Ltd.
(SPNT) delivered a total return of +125. 1%, compared to +63. 7% for PennyMac Financial Services, Inc. (PFSI). Over 10 years, the gap is even starker: PFSI returned +603. 4% versus SPNT's +114. 8%. 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 — SPNT or PFSI?
By beta (market sensitivity over 5 years), SiriusPoint Ltd.
(SPNT) is the lower-risk stock at 0. 46β versus PennyMac Financial Services, Inc. 's 0. 93β — meaning PFSI is approximately 100% more volatile than SPNT relative to the S&P 500. On balance sheet safety, SiriusPoint Ltd. (SPNT) carries a lower debt/equity ratio of 28% versus 5% for PennyMac Financial Services, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — SPNT or PFSI?
By revenue growth (latest reported year), PennyMac Financial Services, Inc.
(PFSI) is pulling ahead at 173. 8% versus 22. 6% for SiriusPoint Ltd. (SPNT). On earnings-per-share growth, the picture is similar: SiriusPoint Ltd. grew EPS 251. 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 — SPNT or PFSI?
SiriusPoint Ltd.
(SPNT) is the more profitable company, earning 14. 3% net margin versus 11. 5% for PennyMac Financial Services, Inc. — meaning it keeps 14. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PFSI leads at 34. 6% versus 16. 9% for SPNT. 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 SPNT or PFSI more undervalued right now?
On forward earnings alone, PennyMac Financial Services, Inc.
(PFSI) trades at 7. 2x forward P/E versus 9. 1x for SiriusPoint Ltd. — 1. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PFSI: 61. 3% to $143. 00.
08Which pays a better dividend — SPNT or PFSI?
All stocks in this comparison pay dividends.
PennyMac Financial Services, Inc. (PFSI) offers the highest yield at 1. 3%, versus 0. 6% for SiriusPoint Ltd. (SPNT).
09Is SPNT or PFSI better for a retirement portfolio?
For long-horizon retirement investors, SiriusPoint Ltd.
(SPNT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 46), 0. 6% yield, +114. 8% 10Y return). Both have compounded well over 10 years (SPNT: +114. 8%, PFSI: +603. 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 SPNT 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.
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>
%
(SPNT: 55.6% · PFSI: 173.8%)Net Margin>
%
(SPNT: 14.4% · PFSI: 11.5%)P/E Ratio<
x
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