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PennyMac Financial Services, Inc. Common Stock (PFSI)
Price$82.49
Value ScoreC
Growth ScoreD
Momentum ScoreD
Favorite Metrics
Price vs S&P 500 (26W)-48.26%
Price vs S&P 500 (4W)-13.94%
VGM Score40.81
Market Capitalization$4.35B
P/E Ratio (Annual)8.69x
Indicated Dividend Yield (Annual)1.43%
All Metrics
Book Value / Share (Quarterly)$83.31
P/TBV (Annual)5.88x
Indicated Dividend (Annual)$1.20
Revenue Growth (3Y)9.01%
Cash Flow / Share (Quarterly)$-79.38
Payout Ratio (TTM)12.45%
Price vs S&P 500 (YTD)-47.32%
Gross Margin (TTM)68.31%
Net Profit Margin (TTM)16.03%
EPS (TTM)$9.41
10-Day Avg Trading Volume0.54M
EPS Excl Extra (TTM)$9.41
Revenue Growth (5Y)-5.44%
EPS (Annual)$9.30
Dividend / Share (Annual)$1.21
ROI (Annual)2.51%
Gross Margin (Annual)68.06%
Net Profit Margin (5Y Avg)17.07%
Cash / Share (Quarterly)$4.23
P/E Basic Excl Extra (TTM)8.59x
Revenue Growth QoQ (YoY)24.37%
EPS Growth (5Y)-14.97%
P/E Normalized (Annual)8.69x
ROA (Last FY)1.70%
Revenue Growth TTM (YoY)22.56%
EBITD / Share (TTM)$11.24
ROE (5Y Avg)13.38%
Operating Margin (TTM)17.45%
Cash Flow / Share (Annual)$-32.72
P/B Ratio1.01x
P/B Ratio (Quarterly)1.05x
Net Income / Employee (Annual)$95,600
EV / Revenue (TTM)6.72x
ROA (TTM)1.83%
EPS Growth QoQ (YoY)7.45%
EV / EBITDA (TTM)35.10x
EPS Incl Extra (Annual)$9.30
Current Ratio (Annual)0.04x
Quick Ratio (Quarterly)0.03x
3-Month Avg Trading Volume0.78M
52-Week Price Return-13.25%
EV / Free Cash Flow (Annual)25.64x
P/E Incl Extra (TTM)8.59x
Revenue / Employee (TTM)$603,500
Tangible BV / Share (Quarterly)$0.16
P/S Ratio (Annual)1.45x
Asset Turnover (Annual)0.10x
52-Week High$160.36
Operating Margin (5Y Avg)22.16%
EPS Excl Extra (Annual)$9.30
CapEx CAGR (5Y)-9.47%
26-Week Price Return-32.33%
Quick Ratio (Annual)0.04x
13-Week Price Return-9.75%
Total Debt / Equity (Annual)3.63x
Current Ratio (Quarterly)0.03x
Enterprise Value$21.26B
Revenue / Share Growth (5Y)2.01%
Asset Turnover (TTM)0.11x
Book Value / Share Growth (5Y)11.63%
Revenue / Employee (Annual)$573,800
Pretax Margin (Annual)18.34%
Cash / Share (Annual)$5.79
3-Month Return Std Dev29.60%
Gross Margin (5Y Avg)75.48%
Net Income / Employee (TTM)$96,800
EBITDA CAGR (5Y)-23.08%
EBITDA Interim CAGR (5Y)-25.46%
ROE (Last FY)11.63%
EPS Basic Excl Extra (Annual)$9.30
P/FCF (TTM)4.11x
Receivables Turnover (TTM)2658.80x
EV / Free Cash Flow (TTM)65.21x
Total Debt / Equity (Quarterly)3.96x
EPS Incl Extra (TTM)$9.41
Receivables Turnover (Annual)1362.20x
ROI (TTM)2.63%
Dividend Growth Rate (5Y)24.03%
P/S Ratio (TTM)1.38x
Pretax Margin (5Y Avg)22.16%
Revenue / Share (Annual)$55.81
Tangible BV / Share (Annual)$11.39
Forward P/E7.14x
Price vs S&P 500 (52W)-41.46%
P/E Ratio (TTM)8.59x
EPS Growth TTM (YoY)44.40%
Year-to-Date Return-36.38%
5-Day Price Return-2.34%
EPS Normalized (Annual)$9.30
ROA (5Y Avg)2.37%
Net Profit Margin (Annual)16.66%
Month-to-Date Return-7.11%
Cash Flow / Share (TTM)$5.09
EBITD / Share (Annual)$11.24
EPS Growth (3Y)3.08%
Operating Margin (Annual)18.34%
LT Debt / Equity (Annual)1.43x
ROI (5Y Avg)3.40%
P/E Excl Extra (TTM)8.59x
LT Debt / Equity (Quarterly)1.45x
EPS Basic Excl Extra (TTM)$9.41
P/TBV (Quarterly)411.88x
Payout Ratio (Annual)12.48%
P/B Ratio (Annual)1.59x
Dividend / Share (TTM)$1.22
Pretax Margin (TTM)17.45%
Book Value / Share (Annual)$82.77
Price vs S&P 500 (13W)-19.50%
Net Margin Growth (5Y)-16.65%
Dividend Yield (TTM)1.45%
Beta1.45x
P/FCF (Annual)0.73x
Revenue / Share (TTM)$58.72
ROE (TTM)12.02%
52-Week Low$82.65
vGradeC
gGradeD
mGradeD
vgmGradeC
Show chart for
Earnings Surprise History
Q1 261.53est. 2.49
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.00
4.00
4.00
4.00
Industry Peers — Mortgage Bankers(5)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
PFSIPennyMac Financial Services, Inc. Common Stock | C | D | D | $82.49 |
| RKTRocket Companies, Inc. | D | C | C | $14.18 |
| UWMCUWM Holdings Corporation | C | D | D | $3.01 |
| ONITOnity Group Inc. | C | C | D | $33.86 |
| FOAFinance of America Companies Inc. | B | D | C | $19.51 |
| BLNEBeeline Holdings, Inc. Common Stock | C | C | C | $1.29 |
About
PennyMac Financial Services originates, acquires, and services U.S. residential mortgage loans through two segments: production (loan origination and sales, its primary revenue driver) and servicing (loan management and early buyout transactions). The company also manages investments in the U.S. mortgage market, leveraging technology to support customers and optimize its mortgage platform.