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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 $90.89, about 11.5% overvalued vs fair value, -6.4% 1Y return, ranked 727/1037 in sector.
$90.89
0.32%
As of April 28, 2026
Previous close • Vol 90d: 75.7%
52-Week Range
Market Cap
$4.74B
Enterprise Value
$23.52B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 76%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Apr 21 Estimated

Fair Value Snapshot

Bear Base Bull
$45
$80
$151
Current: $90.89 -12% 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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-
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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
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
59
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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 (41.1%), Profitability (29.8%), and Safety (29.1%). Growth 41% Safety 29% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

69th percentile vs peers
70
Key Signals
Asset Growth YoY 38.4% 88p EPS Growth YoY 1.13 75p Loan Growth YoY 54.4% 50p Equity Growth YoY 8.2% 60p
Strengths
  • Asset Growth YoY in top 20% of peers (38.4%, 88th percentile)
  • ROA in top 20% of peers (1.4%, 82th percentile)
  • Growth above peer median with strong metric coverage (75%)
Risks

No significant risks identified for this axis.

Profitability

50th percentile vs peers
51
Key Signals
Strengths
Risks
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Safety

49th percentile vs peers
50
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
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Bear
-
- - -
- upside
-
Base
$80.41
- - -
-11.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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