PennyMac Financial Services Inc is a United States-based financial services company primarily engaged in mortgage lending. The company operates through three segments: production, servicing, and investment management. The company's production and servicing segment together form the mortgage banking business that includes mortgage loan origination, acquisition, and sale activities; while the investment management segment includes investment manager's activities, such as performing diligence, and managing acquired assets. The company generates the majority of revenue from its mortgage banking business.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.05
Equity-to-Asset	0.16
Debt-to-Equity	4.69
Debt-to-EBITDA	38.47
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	1/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.82	Distress Grey Safe
Beneish M-Score	-1.69	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-8.3
	3-Year EBITDA Growth Rate	-34.7
	3-Year EPS without NRI Growth Rate	-36.8
	3-Year FCF Growth Rate	27.3
	3-Year Book Growth Rate	13.8
	Future 3-5Y EPS without NRI Growth Rate	48.94
	Future 3-5Y Total Revenue Growth Rate	12.08

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	64.09
	9-Day RSI	60.07
	14-Day RSI	56.37
	6-1 Month Momentum %	10.5
	12-1 Month Momentum %	30.57

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.68
	Quick Ratio	1.68
	Cash Ratio	0.1
	Days Sales Outstanding	22.52
	Days Payable	116.27

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.93
	Dividend Payout Ratio	0.17
	3-Year Dividend Growth Rate	14
	Forward Dividend Yield %	1.12
	5-Year Yield-on-Cost %	0.93
	3-Year Average Share Buyback Ratio	10.9
	Shareholder Yield %	-37.02

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	42.11
	Operating Margin %	16.21
	Net Margin %	7.16
	FCF Margin %	-83.15
	ROE %	4.7
	ROA %	0.83
	ROIC %	1.68
	ROC (Joel Greenblatt) %	601.27
	ROCE %	2.84
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	33.93
	Forward PE Ratio	7.64
	PE Ratio without NRI	20.1
	Shiller PE Ratio	13.33
	Price-to-Owner-Earnings	130.05
	PEG Ratio	4.1
	PS Ratio	2.37
	PB Ratio	1.46
	EV-to-EBIT	57.5
	EV-to-EBITDA	48.66
	EV-to-Revenue	9.32
	EV-to-Forward-Revenue	9.66
	EV-to-FCF	-11.21
	Price-to-Median-PS-Value	1.49
	Earnings Yield (Greenblatt) %	1.74
	FCF Yield %	-36.08
	Forward Rate of Return (Yacktman) %	-16.54

Financials (Next Earnings Date:2025-01-31 Est.)

Annual Quarterly TTM

PFSI's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with NYSE:PFSI

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

PennyMac Financial Services Inc Executives

Details

GF Value: $63.16

PFSI

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 8 Severe warning signs with PFSI. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	2,376.939
	EPS (TTM) ($)	3.15
	Beta	1.79
	Volatility %	28.35
	14-Day RSI	56.37
	14-Day ATR ($)	2.719172
	20-Day SMA ($)	103.533
	12-1 Month Momentum %	30.57
	52-Week Range ($)	77.08 - 119.13
	Shares Outstanding (Mil)	51.26

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	1
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

PennyMac Financial Services Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

PennyMac Financial Services Inc Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

PennyMac Financial Services Inc Frequently Asked Questions

What is PennyMac Financial Services Inc(PFSI)'s stock price today?

The current price of PFSI is $106.87. The 52 week high of PFSI is $119.13 and 52 week low is $77.08.

When is next earnings date of PennyMac Financial Services Inc(PFSI)?

The next earnings date of PennyMac Financial Services Inc(PFSI) is 2025-01-31 Est..

Does PennyMac Financial Services Inc(PFSI) pay dividends? If so, how much?

The Dividend Yield % of PennyMac Financial Services Inc(PFSI) is 0.93% (As of Today), Highest Dividend Payout Ratio of PennyMac Financial Services Inc(PFSI) was 0.17. The lowest was 0.03. And the median was 0.05. The Forward Dividend Yield % of PennyMac Financial Services Inc(PFSI) is 1.12%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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