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PFSI Quote, Financials, Valuation and Earnings
Last price:
$92.08
Seasonality move
:
-5.83%
Day range:
$90.54 - $94.04
52-week range:
$85.74 - $160.36
Dividend yield:
1.3%
P/E ratio:
9.89x
P/S ratio:
1.17x
P/B ratio:
1.11x
Volume:
818K
Avg. volume:
994.2K
1-year change:
-8.93%
Market cap:
$4.8B
Revenue:
$4.4B
EPS (TTM):
$9.31
Analysts' Opinion
-
Consensus RatingPennyMac Financial Services, Inc. has received a consensus rating of Buy. The company's average rating is a Buy based on 4 Buy ratings, 3 Hold ratings, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $133.00, PennyMac Financial Services, Inc. has an estimated upside of 44.55% from its current price of $92.01.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $111.00 representing -20.64% downside risk from its current price of $92.01.
Fair Value
-
According to the consensus of 7 analysts, PennyMac Financial Services, Inc. has 44.55% upside to fair value with a price target of $133.00 per share.
PFSI vs. S&P 500
-
Over the past 5 trading days, PennyMac Financial Services, Inc. has underperformed the S&P 500 by -2.04% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
PennyMac Financial Services, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
PennyMac Financial Services, Inc. has grown year-over-year revenues for 3 quarters straight. In the most recent quarter PennyMac Financial Services, Inc. reported revenues of $1.2B.
Earnings Growth
-
PennyMac Financial Services, Inc. has grown year-over-year earnings for 5 quarters straight. In the most recent quarter PennyMac Financial Services, Inc. reported earnings per share of $1.97.
Enterprise value:
27.1B
EV / Invested capital:
0.99x
Price / LTM sales:
1.17x
EV / EBIT:
18.54x
EV / Revenue:
6.40x
PEG ratio (5yr expected):
0.17x
EV / Free cash flow:
-15.55x
Price / Operating cash flow:
6.02x
Enterprise value / EBITDA:
18.41x
Gross Profit (TTM):
$3.8B
Return On Assets:
1.94%
Net Income Margin (TTM):
11.82%
Return On Equity:
12.35%
Return On Invested Capital:
2.54%
Operating Margin:
33.58%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-12-31 | 2024-12-31 | 2025-12-31 | 2024-12-31 | 2025-12-31 | |
| Income Statement | ||||||
| Revenue | $2.7B | $3.9B | $4.2B | $1.1B | $1.2B | |
| Gross Profit | $2.5B | $3.5B | $3.8B | $1B | $1.1B | |
| Operating Income | $790.1M | $1.2B | $1.5B | $337.9M | $397.4M | |
| EBITDA | $860.1M | $1.2B | -- | $355.2M | -- | |
| Diluted EPS | $2.71 | $5.83 | $9.31 | $1.95 | $1.97 | |
| Period Ending | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $483.1M | $1.5B | $1.1B | $884M | $728.8M | |
| Total Assets | $18.8B | $16.8B | $18.8B | $26.1B | $29.4B | |
| Current Liabilities | $9.1B | $4.8B | $5.9B | $10.8B | $18.2B | |
| Total Liabilities | $15.4B | $13.4B | $15.3B | $22.3B | $25.1B | |
| Total Equity | $3.4B | $3.5B | $3.5B | $3.8B | $4.3B | |
| Total Debt | $3.2B | $3.8B | $4.4B | $5.2B | $6.9B | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | -$1.5B | -$1.8B | -$1.7B | -$368M | -$669.1M | |
| Cash From Investing | -$638.9M | -$1.8B | $295.1M | -$264.9M | $724.7M | |
| Cash From Financing | $1.8B | $2.6B | $1.9B | $183.4M | $404.1M | |
| Free Cash Flow | -$1.5B | -$1.8B | -$1.7B | -$372.5M | -$679.3M | |
PFSI
Sector
Market Cap
$4.8B
$520.8M
Price % of 52-Week High
57.38%
91.24%
Dividend Yield
1.3%
1.48%
Shareholder Yield
-31.17%
3.03%
1-Year Price Total Return
-8.93%
8.16%
Beta (5-Year)
1.545
0.450
Dividend yield:
1.3%
Annualized payout:
$1.20
Payout ratio:
15.23%
Growth streak:
2 years
Technicals
8-day SMA
Sell
Level
$94.05
200-day SMA
Sell
Level
$114.87
Bollinger Bands (100)
Sell
Level
112.36 - 141.8
Chaikin Money Flow
Sell
Level
-1.3M
20-day SMA
Sell
Level
$120.07
Relative Strength Index (RSI14)
Sell
Level
24.85
ADX Line
Sell
Level
45.58
Williams %R
Buy
Level
-94.3189
50-day SMA
Sell
Level
$129.06
MACD (12, 26)
Buy
Level
24.94
25-day Aroon Oscillator
Sell
Level
-72
On Balance Volume
Sell
Level
-4.8M
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.0292)
Sell
CA Score
(Annual)
Level (-1.7804)
Sell
Beneish M-Score
(Annual)
Level (-2.0399)
Buy
Momentum Score
Level (8)
Sell
Ohlson Score
Level (3.8642)
Buy
Piotroski F Score
(Annual)
Level (5)
Buy
Quality Ratio Score
Level (6)
Buy
Fundamental Score
Level (6)
Revenue Forecast
Earnings per Share Forecast
Company Profile
PennyMac Financial Services, Inc. is a holding company, which engages in the production and servicing of U.S. residential mortgage loans. It operates through the following segments: Loan Production, Loan Servicing, and Investment Management. The Loan Production segment is sourced through three channels: correspondent production, consumer direct lending, and broker direct lending. The Loan Servicing segment performs loan administration, collection, and default management activities. The Investment Management segment currently manages PennyMac Mortgage Investment Trust. The company was founded by Stanford L. Kurland on July 2, 2008 and is headquartered in Westlake Village, CA.
Stock Forecast FAQ
In the current month, PFSI has received 4 Buy ratings 3 Hold ratings, and 0 Sell ratings. The PFSI average analyst price target in the past 3 months is $133.00.
-
Where Will PennyMac Financial Services, Inc. Stock Be In 1 Year?
According to analysts, the consensus estimate is that PennyMac Financial Services, Inc. share price will rise to $133.00 per share over the next 12 months.
-
What Do Analysts Say About PennyMac Financial Services, Inc.?
Analysts are divided on their view about PennyMac Financial Services, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that PennyMac Financial Services, Inc. is a Sell and believe this share price will drop from its current level to $111.00.
-
What Is PennyMac Financial Services, Inc.'s Price Target?
The price target for PennyMac Financial Services, Inc. over the next 1-year time period is forecast to be $133.00 according to 7 Wall Street analysts, 4 of them rate the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.
-
Is PFSI A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for PennyMac Financial Services, Inc. is a Buy. 4 of 7 analysts rate the stock a Buy at this time.
-
How Can I Buy Shares Of PFSI?
You can purchase shares of PennyMac Financial Services, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase PennyMac Financial Services, Inc. shares.
-
What Is The PennyMac Financial Services, Inc. Share Price Today?
PennyMac Financial Services, Inc. was last trading at $92.08 per share. This represents the most recent stock quote for PennyMac Financial Services, Inc.. Yesterday, PennyMac Financial Services, Inc. closed at $92.01 per share.
-
How To Buy PennyMac Financial Services, Inc. Stock Online?
In order to purchase PennyMac Financial Services, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
PFSI
Sector
P/E ratio
9.89x
12.49x
PEG ratio
0.17x
0.32x
P/B ratio
1.11x
1.14x
Price / LTM sales
1.17x
1.85x
Growth Metrics
PFSI
Sector
Revenue growth
4.11%
5.46%
Earnings growth
1.01%
10.33%
Revenue (5-year growth)
0.68%
8.67%
Earnings forecast
$3.23
$0.64
Profitability
PFSI
Sector
Profitability FY 2025
$4B
--
Return on invested capital
2.54%
5.19%
Return on assets
1.94%
1.03%
Return on equity
12.35%
9.9%
Earnings Date
Last Earnings Date
Jan
29
Next Earnings Date
Apr
21
Estimated Next Earnings Date
Apr
30
Balance Sheet
PFSI
Sector
Total cash
$711.7M
$406.5M
Short term investments
$420.6M
$190.5M
Total assets
$29.4B
$3.1B
Long term debt
$6.9B
$55.5M
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