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PennyMac Financial Services, Inc. Common Stock (PFSI)
Price$91.73
Favorite Metrics
Price vs S&P 500 (26W)-25.91%
Price vs S&P 500 (4W)-0.63%
Market Capitalization$4.79B
P/E Ratio (Annual)9.55x
Indicated Dividend Yield (Annual)1.31%
All Metrics
Book Value / Share (Quarterly)$82.77
P/TBV (Annual)5.88x
Indicated Dividend (Annual)$1.20
Revenue Growth (3Y)9.01%
Cash Flow / Share (Quarterly)$-32.72
Payout Ratio (TTM)12.48%
Price vs S&P 500 (YTD)-33.06%
Gross Margin (TTM)68.06%
Net Profit Margin (TTM)16.66%
EPS (TTM)$9.30
10-Day Avg Trading Volume0.55M
EPS Excl Extra (TTM)$9.30
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)$5.79
P/E Basic Excl Extra (TTM)9.55x
Revenue Growth QoQ (YoY)14.72%
EPS Growth (5Y)-14.97%
P/E Normalized (Annual)9.55x
ROA (Last FY)1.70%
Revenue Growth TTM (YoY)24.62%
EBITD / Share (TTM)$11.25
ROE (5Y Avg)13.38%
Operating Margin (TTM)18.34%
Cash Flow / Share (Annual)$-32.72
P/B Ratio1.11x
P/B Ratio (Quarterly)1.59x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)6.70x
ROA (TTM)1.95%
EPS Growth QoQ (YoY)0.88%
EV / EBITDA (TTM)33.23x
EPS Incl Extra (Annual)$9.30
Current Ratio (Annual)0.04x
Quick Ratio (Quarterly)0.04x
3-Month Avg Trading Volume0.72M
52-Week Price Return-5.77%
EV / Free Cash Flow (Annual)25.64x
P/E Incl Extra (TTM)9.55x
Revenue / Employee (TTM)$1
Tangible BV / Share (Quarterly)$0.16
P/S Ratio (Annual)1.59x
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-21.92%
Quick Ratio (Annual)0.04x
13-Week Price Return-37.32%
Total Debt / Equity (Annual)3.63x
Current Ratio (Quarterly)0.04x
Enterprise Value$20,132.574
Revenue / Share Growth (5Y)2.01%
Asset Turnover (TTM)0.12x
Book Value / Share Growth (5Y)11.63%
Revenue / Employee (Annual)$1
Pretax Margin (Annual)18.34%
Cash / Share (Annual)$5.79
3-Month Return Std Dev74.17%
Gross Margin (5Y Avg)75.48%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)-23.08%
EBITDA Interim CAGR (5Y)-25.13%
ROE (Last FY)11.63%
EPS Basic Excl Extra (Annual)$9.30
P/FCF (TTM)4.52x
Receivables Turnover (TTM)2658.80x
EV / Free Cash Flow (TTM)65.21x
Total Debt / Equity (Quarterly)3.63x
EPS Incl Extra (TTM)$9.30
Receivables Turnover (Annual)1362.20x
ROI (TTM)2.75%
Dividend Growth Rate (5Y)24.03%
P/S Ratio (TTM)1.59x
Pretax Margin (5Y Avg)22.16%
Revenue / Share (Annual)$55.81
Tangible BV / Share (Annual)$11.39
Forward P/E7.45x
Price vs S&P 500 (52W)-35.60%
P/E Ratio (TTM)9.55x
EPS Growth TTM (YoY)59.47%
Year-to-Date Return-30.42%
5-Day Price Return-0.03%
EPS Normalized (Annual)$9.30
ROA (5Y Avg)2.37%
Net Profit Margin (Annual)16.66%
Month-to-Date Return4.97%
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)9.55x
LT Debt / Equity (Quarterly)1.43x
EPS Basic Excl Extra (TTM)$9.30
P/TBV (Quarterly)411.88x
Payout Ratio (Annual)12.48%
P/B Ratio (Annual)1.59x
Dividend / Share (TTM)$1.21
Pretax Margin (TTM)18.34%
Book Value / Share (Annual)$82.77
Price vs S&P 500 (13W)-38.01%
Net Margin Growth (5Y)-16.65%
Dividend Yield (TTM)1.31%
Beta1.56x
P/FCF (Annual)0.80x
Revenue / Share (TTM)$55.35
ROE (TTM)12.18%
52-Week Low$82.65
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.00
4.00
4.00
4.00
Industry Peers — Mortgage Bankers(5)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
PFSIPennyMac Financial Services, Inc. Common Stock | 9.55x | 12.18% | 18.34% | -5.44% | $91.73 |
RKTRocket Companies, Inc. | 1743.99x | -0.68% | 13.39% | -15.05% | $15.76 |
UWMCUWM Holdings Corporation | 222.64x | 15.25% | 48.69% | -8.54% | $3.75 |
ONITOnity Group Inc. | 2.00x | 33.34% | 37.98% | — | $43.69 |
FOAFinance of America Companies Inc. | 4.15x | 14.78% | 83.36% | -0.85% | $21.95 |
BLNEBeeline Holdings, Inc. Common Stock | — | -43.73% | -193.90% | -20.16% | $2.33 |
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.