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 $70.91, about 18.8% undervalued vs fair value, -43.0% 1Y return, ranked 923/1078 in sector.

Metrics P/E 14.2× Rev Growth 55.3% ROE 12.3% Gross Margin 59.3% Div Yield 0.91%

USD 70.91

-1.57%

(Delayed)

• Vol 90d: 35.0%

52-Week Range

Low

70.78

Now 70.91

High

159.46

Market Cap

$4.25B

Enterprise Value

$27.73B

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: 100%

Confidence: 59%

Updated: Sep 12

Top Beats

Quick Facts

Website https://pfsi.pennymac.com

HQ Westlake Village, CA

Employees 5,241

Fiscal year Dec 31

Next Events

Earnings Oct 20 Estimated

Fair Value Snapshot

Bear Base Bull

$47

$84

$158

Current: $70.91 +19% 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

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Flow Direction: Money moves from left to right

Components: Breakdown shows composition of each stage

Industry-Specific: Financial Services

Data Quality Notes

Some metrics unavailable: NetInterestIncome
Note: For banks, Owner Pocket percentages are relative to Net Income (not FCF), as traditional FCF is not meaningful.
Note: Credit Provisions data not available from source. This is a key credit quality metric for banks.

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.

Active Leaks

0/0

Improving

High Impact

Critical

Excellent! No significant cash flow leaks detected for this company.

Scores based on quantitative metrics and qualitative factors

Full moat analysis

Key risks

Weak Net Interest Margin Net interest margin proxy is weak (score 0.16).
Capital Adequacy Concerns Capital adequacy is concerning (score 0.04).

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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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 72% Coverage

Click axes to expand details. Marker shows current allocation.

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Growth

71th percentile vs peers

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% 64p

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

Key Signals

Strengths

Risks

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Safety

57th percentile vs peers

Key Signals

Strengths

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Two Futures

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

WACC X.X%

X%XX%

Rev CAGR 5Y X.X%

-XX%XX%

Op Margin XX.X%

-XX%XX%

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Bear

- - -

- upside

Base

$84.23

- - -

+18.8% vs current

Snapshot base estimate

Bull

- - -

- upside

Fair Value Range Current: $-

$- $- $-

PennyMac Financial Services, In PFSI

Overview of PennyMac Financial Services, Inc.

Quick Facts

Next Events

Fair Value Snapshot

Engine Room Money Flow™

Flow Steps

Money Flow Bridge

Data Quality Notes

Quality & Reliability Indicators

Return on Equity

Locked Metric

Locked Metric

Locked Metric

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Where It Leaks

Competitive Advantage Assessment

Key risks

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Deposit Franchise

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Lending Advantage

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Capital Strength

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Cost Discipline

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Revenue Diversification

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Risk Management

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Trade-Off Ledger™

Growth

Profitability

Safety

Two Futures

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