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Company Analysis

PennyMac Financial Services, In PFSI

A comprehensive view of key metrics, scores, and financial health for PennyMac Financial Services, In

Overview of PennyMac Financial Services, Inc.

PFSI NYQ
Financial Services Mortgage Finance Mid Cap
PennyMac Financial Services, Inc. (PFSI), is a Mid Cap company, in the Mortgage Finance industry, last closed at $84.14, about 4.4% overvalued vs fair value, -14.1% 1Y return, ranked 731/1004 in sector.
$84.14
-0.56%
As of March 13, 2026
Previous close • Vol 90d: 75.0%
Market Cap
$4.50B
Enterprise Value
$23.28B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://pfsi.pennymac.com
HQ Westlake Village, CA
Employees 5,241
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$45
$80
$151
Current: $84.14 -4% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Total Revenue
$2.4B
18.3%%
Operating Expense
$533.4M
8.1%%
Pre-Provision Profit
$403.5M
14%%
Pre-Tax Income
$401.0M
118.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.1%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
-
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Locked Metric
-
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$52.2M
16.7% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating PennyMac Financial Services, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
62
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 87% Coverage
Trade-Off Triangle Visualization A ternary plot showing PFSI's balance between Growth (38.5%), Profitability (33.6%), and Safety (27.9%). Growth 39% Safety 28% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

60th percentile vs peers
61
Key Signals
Rev Growth YoY 18.3% 69p EPS Growth YoY 1.13 78p Revenue CAGR 3Y -12.2% 30p TSR 36.7% 75p
Strengths
  • Superior capital returns - 3 return metrics above peer median
  • Growth above peer median with strong metric coverage (85%)
  • Consistently strong margins across 3 metrics
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

52th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for PennyMac Financial Services, In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$80.41
- - -
-4.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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