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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 $65.32, about 28.9% undervalued vs fair value, -47.5% 1Y return, ranked 686/1078 in sector.
Metrics P/E 14.2× Rev Growth 55.3% ROE 12.3% Gross Margin 59.3% Div Yield 0.91%
USD 65.32
3.81%
(Delayed)
• Vol 90d: 36.1%
52-Week Range
Market Cap
$3.39B
Enterprise Value
$26.87B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 93%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Nov 16
Earnings Jan 28 Estimated

Fair Value Snapshot

Bear Base Bull
$47
$84
$158
Current: $65.32 +29% 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 Lender 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
Full moat analysis

Key strengths

  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.88).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Funding & Return Stability

Moderate
72
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Signals, strengths and risks for Funding & Return Stability

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (34.1%), Profitability (38.6%), and Safety (27.3%). Growth 34% Safety 27% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

71th percentile vs peers
72
Key Signals
Asset Growth YoY 12.7% 80p EPS Growth YoY 59.3% 82p Loan Growth YoY 15.0% 57p Equity Growth YoY 12.5% 64p
Strengths
  • Asset Growth YoY in top 20% of peers (12.7%, 80th percentile)
  • EPS Growth YoY in top 20% of peers (59.3%, 82th percentile)
  • Efficiency Ratio in top 20% of peers (46.8%, 82th percentile)
  • ROA in top 20% of peers (1.8%, 88th percentile)
Risks

No significant risks identified for this axis.

Profitability

81th percentile vs peers
81
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.

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$84.23
- - -
+28.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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