PennyMac Financial Services, Inc. (PFSI)

NYSE: PFSI · USD

$63.5

-0.72 (-1.1%)· Recorded snapshot

Market cap	3.3B
Revenue (ttm)	3.3B
Net income (ttm)	392.4M
EPS (ttm)	$7.28
Shares out	52M
P/E (trailing)	8.7x
P/E (forward)	8.4x
Dividend	$1.20 (1.90%)
Volume	347,691
Beta	1.45

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 3.3B
Net income (ttm): 392.4M
EPS (ttm): $7.28
P/E (trailing): 8.7x
P/E (forward): 8.4x
Market cap: 3.3B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E8.4

P25 n/aP50 n/aP75 n/a

Trailing P/E8.7

P25 n/aP50 n/aP75 n/a

ROE9.4

P25 n/aP50 n/aP75 n/a

ROIC1.4

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All PFSI indicators

Market & fundamental data

Available fields

238

Groups with data

Currency

USD

Showing 238 of 238 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001745916
Company name	PennyMac Financial Services, Inc.
Country	United States
Country code	US
CUSIP number	70932M107
Earnings date	2026-10-29
Earnings time	amc
Employees	5,543
Employees change	764
Employees growth	15.99%
Enterprise value	$26.7B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2008
In index	RUSSELL2000
Industry	Mortgage Finance
IPO date	2013-05-09
Is primary listing	Yes
Is SPAC	No
ISIN number	US70932M1071
Last 10-K release date	2026-02-20
Last earnings date	2026-07-29
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$3.3B
Market cap category	Mid-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$63.45
Price currency	USD
Sector	Financials
SIC code	6162
Stock price date	2026-10-28
Symbol	PFSI
U.S. state	California
Website	https://pfsi.pennymac.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	7.08x
Average P/E ratio (10Y)	9.97x
Average P/E ratio (3Y)	18.89x
Average P/E ratio (5Y)	13.64x
Earnings yield	11.48%
EV/Earnings	68.04x
EV/Sales	8.01x
FCF / EV yield	-6.75%
FCF yield	-54.81%
Forward EV/Sales	11.85x
Forward P/E	8.43x
Forward P/S	1.46x
Graham number	116.9611
Graham upside	84.89%
Industry forward P/E	14.46x
Industry P/E	59.19x
Lynch fair value	$36.41
Lynch upside	-42.44%
P/B ratio	0.77x
P/E ratio	8.71x
P/S ratio	0.99x
Price / tangible book value	0.78x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	22.61%
Gross margin	86.02%
Operating margin	15.35%
Pretax margin	15.22%
Profit margin	11.78%
Profit per employee	$70,789
Profitable quarters	10
Profitable years	16
Revenue per employee	$601,087
ROA	1.45%
ROA (5Y)	2.13%
ROE	9.38%
ROE (5Y)	13.64%
ROIC	1.36%
ROIC (5Y)	2.45%
SBC / revenue	0.74%
Tax / revenue	3.44%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	0.89%
EPS growth (Q)	-83.86%
EPS growth (QoQ)	-73.2%
EPS growth 10Y	15.32%
EPS growth 3Y	14.14%
EPS growth 5Y	-19.31%
EPS growth years	2
Net income growth	1.5%
Net income growth (Q)	-84.08%
Net income growth (QoQ)	-73.61%
Net income growth 3Y	14.5%
Net income growth 5Y	-24.21%
Net income growth years	2
Operating income growth	26.5%
Operating income growth (Q)	-58.16%
Operating income growth 3Y	11.57%
Operating income growth 5Y	-24.92%
Revenue growth	21.7%
Revenue growth (Q)	1.81%
Revenue growth (QoQ)	-2.23%
Revenue growth 10Y	12.75%
Revenue growth 3Y	24.74%
Revenue growth 5Y	-4.58%
Revenue growth quarters	11
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-15.9M
Depreciation and amortization	$23.4M
EPS	$7.28
FCF per share	$-34.67
Financing cash flow	$1.7B
Free cash flow	$-1.8B
Free cash flow minus SBC	$-1.8B
Gross profit	$2.9B
Income taxes	$114.6M
Investing cash flow	$145.9M
Net borrowing	$1.8B
Net cash flow	$52.1M
Net income	$392.4M
Operating cash flow minus SBC	$-1.8B
Operating income	$511.5M
Revenue	$3.3B
Stock-based compensation	$24.5M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$83.49
Debt / equity	5.49
Net cash (debt)	$-23.4B
Net cash / market cap	-712.35%
Net debt / equity	5.4
Piotroski F-Score	4
Property, plant and equipment	$105.1M
Shareholders' equity	$4.3B
Tangible book value	$4.2B
Tangible book value per share	$81.35
Total assets	$29.9B
Total cash	$416M
Total debt	$23.8B
Total liabilities	$25.5B
WACC	1.48%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.12
Current ratio	0.93
Quick ratio	0.47
Working capital	$-1.3B
Working capital turnover	-2.54

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.46%
Dividend growth	0%
Dividend growth (3Y)	14.47%
Dividend growth (5Y)	9.86%
Dividend growth years	2
Dividend payment date	2026-08-27
Dividend payment years	8
Dividend payout frequency	Quarterly
Dividend per share	$1.20
Dividend yield	1.9%
Ex-dividend date	2026-08-17
Last dividend	$0.30
Payout ratio	16.48%
Shareholder yield	1.43%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	268.97%
10Y return CAGR	15.18%
10Y total return	310.82%
150-day SMA	$78.72
1D price change	-1.12%
1M price change	-3.9%
1M total return	-3.9%
1W price change	4.38%
1W total return	4.38%
1Y price change	-52.69%
1Y return CAGR	-52.09%
1Y total return	-52.07%
20-day SMA	$61.27
200-day SMA	$85.29
3M price change	-25.52%
3M total return	-25.24%
3Y price change	-9.59%
3Y return CAGR	-2.16%
3Y total return	-6.35%
50-day SMA	$66.46
50-day SMA vs 200-day SMA	50under200
52-week high	$160.36
52-week high date	2026-01-16
52-week low	$57.52
52-week low date	2026-10-14
5Y price change	0.48%
5Y return CAGR	1.35%
5Y total return	6.94%
6M price change	-30.78%
6M total return	-30.27%
All-time high	$160.36
All-time high date	2026-01-16
All-time low	$10.48
All-time low date	2016-02-04
Average true range (ATR)	$2.19
Average volume	667.3K
Beta (1Y)	0.59
Beta (2Y)	0.46
Beta (5Y)	1.45
Change from 52-week high	-60.43%
Change from 52-week low	10.31%
Change from all-time high	-60.77%
Change from all-time low	500.29%
Change from open	-0.8%
Day's gap	-0.33%
Dollar volume	$22.1M
High price	$63.96
Low price	$62.80
Monthly RSI	34.89
Open price	$63.96
Position in 52-week range	56.03%
Premarket change	0.05%
Premarket close	$64.17
Premarket price	$64.20
Previous close	$64.17
Price vs 150-day SMA	-20.08%
Price vs 20-day SMA	2.67%
Price vs 200-day SMA	-26.24%
Price vs 50-day SMA	-5.33%
Relative volume	0.52
RSI	49.08
Sharpe ratio	-1.4
Sharpe ratio (3Y)	0.12
Sharpe ratio (5Y)	0.08
Sortino ratio	-1.47
Sortino ratio (3Y)	0.28
Sortino ratio (5Y)	0.26
Volume	347.7K
Weekly RSI	30.51
YTD price change	-52.28%
YTD total return	-51.77%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	27.4M
Float percentage	52.73%
Shares change (QoQ)	-1.13%
Shares change (YoY)	0.46%
Shares held by insiders	3.76%
Shares held by institutions	88.08%
Shares outstanding	52M
Short % of float	12.1%
Short % of shares	6.38%
Short ratio	5.6 days

Deeper analysis on PFSI

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this PFSI report

Is a complete PFSI research report available?

No complete published report is available for PennyMac Financial Services, Inc. (PFSI) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

PennyMac Financial Services, Inc. (PFSI)

Price

Financial snapshot

Fair-value bridge

Latest news · PFSI

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All PFSI indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PFSI

Frequently asked questions