PennyMac Financial Services Inc (PFSI)

Currency in USD
117.11
+2.54(+2.22%)
Closed·
117.110.00(0.00%)
·
PFSI Scorecard
Full Analysis
Quickly burning through cash
Earnings results expected in 12 days
PFSI is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
114.63118.49
52 wk Range
85.74130.02
Key Statistics
Prev. Close
114.57
Open
116.48
Day's Range
114.63-118.49
52 wk Range
85.74-130.02
Volume
470.06K
Average Volume (3m)
415.32K
1-Year Change
10.29%
Book Value / Share
78.05
Fair Value
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Fair Value Upside
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Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
128.00
Upside
+9.30%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low P/E ratio relative to near-term earnings growth
Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Neutral
Technical Indicators
Buy
Moving Averages
Neutral

PennyMac Financial Services Inc Company Profile

PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan servicing for newly originated loans that are under holding for sale and loans services for others. The segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs. The company was founded in 2008 and is headquartered in Westlake Village, California.

Sector
Financial
Employees
4779

PennyMac Financial Services Inc SWOT Analysis


Resilient Amid Rates
PennyMac Financial Services demonstrates adaptability in challenging interest rate environments, showcasing strengths in its balanced business model
Segment Performance
Explore the contrasting outcomes between PFSI's robust servicing segment and the challenges faced in production, highlighting the company's diverse revenue streams
Market Positioning
Delve into PFSI's solid market stance, with analysts projecting a 14.6% ROE for 2025 and potential benefits from future mortgage rate declines
Strategic Outlook
Discover management's proactive approach to industry headwinds, maintaining optimism for mid-to-high teens ROE despite near-term challenges
Read full SWOT analysis

PennyMac Financial Services Inc Earnings Call Summary for Q2/2025

  • Q Financial Q2 EEPS of $2.54 missed estimates by 11.81%, revenue of $444.73M fell 18.4% short of forecasts
  • Stock rose 2.27% post-earnings; company maintains mid-to-high teens ROE outlook with rates at 6.5-7.5%
  • Launched 35+ AI tools targeting $25M annual benefit; servicing portfolio expanded to $700B UPB
  • CEO emphasizes commitment to fully aiming for fully automated loan process and leading in AI adoption
  • Focuses on margin improvements in correspondent and broker channels; targets 9-10 bps profitability in servicing portfolio
Last Updated: 22/07/2025, 23:02
Read Full Transcript

Compare PFSI to Peers and Sector

Metrics to compare
PFSI
Peers
Sector
Relationship
P/E Ratio
15.7x−0.5x9.8x
PEG Ratio
0.16−0.040.03
Price/Book
1.5x0.7x1.0x
Price / LTM Sales
1.7x3.3x2.9x
Upside (Analyst Target)
15.3%15.6%15.7%
Fair Value Upside
Unlock−2.2%1.4%Unlock

Analyst Ratings

5 Buy
3 Hold
0 Sell
Ratings:
8 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 128.00
(+9.30% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 7.22%
Dividend Yield
1.02%
Industry Median 3.32%
Annualised payout
1.20
Paid quarterly
5-Years Growth
+20.11%
Growth Streak

Earnings

Latest Release
Jul 22, 2025
EPS / Forecast
2.54 / 2.88
Revenue / Forecast
444.73M / 545.04M
EPS Revisions
Last 90 days

PFSI Income Statement

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FAQ

What Stock Exchange Does PennyMac Financial Trade On?

PennyMac Financial is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for PennyMac Financial?

The stock symbol for PennyMac Financial is "PFSI."

What Is the PennyMac Financial Market Cap?

As of today, PennyMac Financial market cap is 6.06B.

What Is PennyMac Financial's Earnings Per Share (TTM)?

The PennyMac Financial EPS (TTM) is 7.22.

When Is the Next PennyMac Financial Earnings Date?

PennyMac Financial will release its next earnings report on 22 Oct 2025.

From a Technical Analysis Perspective, Is PFSI a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Neutral.

How Many Times Has PennyMac Financial Stock Split?

PennyMac Financial has split 0 times.

How Many Employees Does PennyMac Financial Have?

PennyMac Financial has 4779 employees.

What is the current trading status of PennyMac Financial (PFSI)?

As of 11 Oct 2025, PennyMac Financial (PFSI) is trading at a price of 117.11, with a previous close of 114.57. The stock has fluctuated within a day range of 114.63 to 118.49, while its 52-week range spans from 85.74 to 130.02.
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