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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 Framework: Banks & Lenders Mid Cap
PennyMac Financial Services, Inc. (PFSI), is a Mid Cap company, in the Mortgage Finance industry, last closed at $83.99, about 1.0% overvalued vs fair value, -11.6% 1Y return, ranked 920/1078 in sector.
Metrics P/E 14.2× Rev Growth 55.3% ROE 12.3% Gross Margin 59.3% Div Yield 0.91%
USD 83.99
0.49%
(Delayed)
• Vol 90d: 30.6%
52-Week Range
Market Cap
$4.25B
Enterprise Value
$29.76B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 83%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Jul 21 Estimated

Fair Value Snapshot

Bear Base Bull
$46
$83
$156
Current: $83.99 -1% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Total Revenue
$4.4B
55.3%%
Operating Expense
$2.1B
113.9%%
Pre-Provision Profit
$551.4M
37%%
Pre-Tax Income
$551.4M
37.5%%
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
11.6%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$67.3M
13.4% 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
31
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
40
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 72% Coverage
Trade-Off Triangle Visualization A ternary plot showing PFSI's balance between Growth (34.4%), Profitability (38.0%), and Safety (27.6%). Growth 34% Safety 28% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

71th percentile vs peers
71
Key Signals
Asset Growth YoY 12.7% 81p EPS Growth YoY 59.3% 82p Loan Growth YoY 15.0% 55p Equity Growth YoY 12.5% 65p
Strengths
  • Asset Growth YoY in top 20% of peers (12.7%, 81th percentile)
  • EPS Growth YoY in top 20% of peers (59.3%, 82th percentile)
  • Efficiency Ratio in top 20% of peers (46.8%, 81th percentile)
  • ROA in top 20% of peers (1.4%, 80th percentile)
  • Equity/Assets in top 20% of peers (14.7%, 83th percentile)
Risks

No significant risks identified for this axis.

Profitability

78th percentile vs peers
78
Key Signals
Strengths
Risks
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Safety

57th percentile vs peers
57
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
$83.15
- - -
-1.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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