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PennyMac Financial Services, Inc.

  • Market Cap: Small Cap
  • Industry: Finance
  • ISIN: US70932M1071
USD
132.58
-1.28 (-0.96%)

Dec 04

NYS

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  • Price Points
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  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

132.25135.65

52 Week

85.74136.62
Valuation
Technical
Day's Volume

CASH

387.57 k

Shareholding (Mar 2025)

FII

6.24%

Held by 106 FIIs

DII

64.54%

Held by 33 DIIs

Promoter

0.28%

How big is PennyMac Financial Services, Inc.?

22-Jun-2025

As of Jun 18, PennyMac Financial Services, Inc. has a market capitalization of $4.8 billion, with net sales of $3.8 billion and a net profit of $348.4 million over the last four quarters. The company reported total assets of $26.1 billion and shareholder's funds of $3.8 billion as of Dec 24.

Market Cap: As of Jun 18, PennyMac Financial Services, Inc. has a market capitalization of 4,797.48 million, classifying it as a Small Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, PennyMac Financial Services, Inc. reported net sales of 3,835.63 million and a net profit of 348.40 million.<BR><BR>Balance Sheet Snapshot: As of Dec 24, the company reported shareholder's funds of 3,829.65 million and total assets of 26,086.89 million.

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What does PennyMac Financial Services, Inc. do?

22-Jun-2025

PennyMac Financial Services, Inc. is a small-cap specialty financial services firm with recent net sales of $810 million and a net profit of $76 million. Key metrics include a P/E ratio of 14.00, a dividend yield of 1.26%, and a market cap of approximately $4.8 billion.

Overview: <BR>PennyMac Financial Services, Inc. is a specialty financial services firm operating in the finance industry and categorized as a small-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 810 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 76 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 4,797.48 Million (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 14.00 <BR>Dividend Yield: 1.26% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 8.92% <BR>Price to Book: 1.23<BR><BR>Contact Details: <BR>Address: 3043 Townsgate Rd, WESTLAKE VILLAGE CA: 91361-3027 <BR>Tel: ['1 818 2247442', '1 818 2247028'] <BR>Fax: 1 302 6555049 <BR>Website: http://ir.pennymacfinancial.com/

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Who are in the management team of PennyMac Financial Services, Inc.?

22-Jun-2025

As of March 2022, the management team of PennyMac Financial Services, Inc. includes Non-Executive Chairman Stanford Kurland, CEO David Spector, Lead Independent Director James Hunt, and Directors Anne McCallion, Lisa Shalett, and Independent Director Patrick Kinsella. They oversee the company's strategic direction and governance.

As of March 2022, the management team of PennyMac Financial Services, Inc. includes the following individuals:<BR><BR>- Mr. Stanford Kurland, who serves as the Non-Executive Chairman of the Board.<BR>- Mr. David Spector, who is the President, Chief Executive Officer, and Director.<BR>- Mr. James Hunt, who holds the position of Lead Independent Director.<BR>- Ms. Anne McCallion, who is a Director.<BR>- Ms. Lisa Shalett, who is also a Director.<BR>- Mr. Patrick Kinsella, who serves as an Independent Director.<BR><BR>This team is responsible for guiding the company's strategic direction and governance.

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Is PennyMac Financial Services, Inc. technically bullish or bearish?

28-Oct-2025

As of October 24, 2025, PennyMac Financial Services, Inc. shows a bullish technical trend with strong momentum, despite some mixed signals from the KST and OBV, and has significantly outperformed the S&P 500 year-to-date and over the past year.

As of 24 October 2025, the technical trend for PennyMac Financial Services, Inc. has changed from mildly bullish to bullish. The weekly and monthly MACD indicators are bullish, supported by bullish signals from both the Bollinger Bands and Dow Theory. The daily moving averages also indicate a bullish stance. However, the KST shows a mildly bearish signal on the monthly timeframe, and the OBV is mildly bearish on the weekly timeframe, suggesting some caution. <BR><BR>PennyMac has outperformed the S&P 500 across multiple periods, with a year-to-date return of 29.89% compared to the S&P 500's 15.47%, and a one-year return of 31.25% versus 16.90%. Overall, the current technical stance is bullish with strong momentum, despite some mixed signals in the KST and OBV.

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Is PennyMac Financial Services, Inc. overvalued or undervalued?

05-Nov-2025

As of October 31, 2025, PennyMac Financial Services, Inc. is considered very attractive due to its undervalued key ratios, including a P/E of 14 and a PEG of 0.12, alongside a high ROCE of 38.81%, despite a recent decline, as it has outperformed the S&P 500 year-to-date.

As of 31 October 2025, the valuation grade for PennyMac Financial Services, Inc. moved from attractive to very attractive. The company appears undervalued based on its key valuation ratios, including a P/E ratio of 14, an EV to EBITDA of 3.22, and a PEG ratio of 0.12, all of which suggest that the stock is trading at a discount relative to its earnings growth potential. <BR><BR>In comparison to its peers, PennyMac's P/E ratio is significantly lower than Mr. Cooper Group, Inc. at 29.22 and is also more favorable than Ryder System, Inc. at 14.15. The company's high ROCE of 38.81% further emphasizes its efficiency in generating returns on capital. Despite a recent 1-week decline of 4.59% compared to a 0.71% gain in the S&P 500, PennyMac has shown strong performance year-to-date with a return of 24.20%, outperforming the S&P 500's 16.30%.

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iScoreScore
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Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 19.13%

 
2

Positive results in Jun 25

3

With ROE of 8.92%, it has a attractive valuation with a 1.27 Price to Book Value

4

Consistent Returns over the last 3 years

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Finance

stock-summary
Market cap

USD 6,259 Million (Small Cap)

stock-summary
P/E

14.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.97%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

9.59%

stock-summary
Price to Book

1.55

Revenue and Profits:
Net Sales:
949 Million
(Quarterly Results - Jun 2025)
Net Profit:
136 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
15.01%
0%
15.01%
6 Months
39.63%
0%
39.63%
1 Year
25.5%
0%
25.5%
2 Years
64.0%
0%
64.0%
3 Years
123.99%
0%
123.99%
4 Years
95.52%
0%
95.52%
5 Years
125.98%
0%
125.98%

PennyMac Financial Services, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News

Is PennyMac Financial Services, Inc. overvalued or undervalued?

As of 31 October 2025, the valuation grade for PennyMac Financial Services, Inc. moved from attractive to very attractive. The company appears undervalued based on its key valuation ratios, including a P/E ratio of 14, an EV to EBITDA of 3.22, and a PEG ratio of 0.12, all of which suggest that the stock is trading at a discount relative to its earnings growth potential. In comparison to its peers, PennyMac's P/E ratio is significantly lower than Mr. Cooper Group, Inc. at 29.22 and is also more favorable than Ryder System, Inc. at 14.15. The company's high ROCE of 38.81% further emphasizes its efficiency in generating returns on capital. Despite a recent 1-week decline of 4.59% compared to a 0.71% gain in the S&P 500, PennyMac has shown strong performance year-to-date with a return of 24.20%, outperforming the S&P 500's 16.30%....

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Is PennyMac Financial Services, Inc. overvalued or undervalued?

As of 31 October 2025, the valuation grade for PennyMac Financial Services, Inc. moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears undervalued, supported by a P/E ratio of 14, a Price to Book Value of 1.27, and an EV to EBITDA ratio of 3.22. In comparison, Mr. Cooper Group, Inc. has a significantly higher P/E ratio of 29.22, while Blue Owl Capital Corp. shows a lower P/E of 10.91, highlighting the relative attractiveness of PennyMac. Despite the absence of recent stock return data, the overall valuation metrics suggest that PennyMac Financial Services, Inc. is positioned favorably compared to its peers in the finance industry, reinforcing the conclusion of being undervalued....

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Is PennyMac Financial Services, Inc. overvalued or undervalued?

As of 31 October 2025, the valuation grade for PennyMac Financial Services, Inc. moved from attractive to very attractive. The company is currently undervalued based on its strong financial metrics. Key ratios include a P/E ratio of 14, a Price to Book Value of 1.27, and an EV to EBITDA of 3.22, which suggest that the stock is trading at a discount compared to its earnings and book value. In comparison to its peers, PennyMac's P/E ratio of 14 is lower than Mr. Cooper Group, Inc.'s 29.22 and slightly higher than Ryder System, Inc.'s 14.15, indicating a favorable position within its industry. The PEG ratio of 0.12 further emphasizes its undervaluation relative to growth expectations. Notably, while PennyMac's stock returned 26.21% over the past year, the S&P 500 returned 19.89%, reinforcing the attractiveness of the stock in the current market environment....

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Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
5.35%
EBIT Growth (5y)
-2.86%
EBIT to Interest (avg)
4.52
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
24.48%
Dividend Payout Ratio
17.13%
Pledged Shares
0
Institutional Holding
65.55%
ROCE (avg)
48.79%
ROE (avg)
19.13%
Valuation key factors
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.27
EV to EBIT
3.40
EV to EBITDA
3.22
EV to Capital Employed
1.32
EV to Sales
1.12
PEG Ratio
0.12
Dividend Yield
1.22%
ROCE (Latest)
38.81%
ROE (Latest)
8.92%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
Mildly Bullish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 68 Schemes (28.93%)

Foreign Institutions

Held by 106 Foreign Institutions (6.24%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is 17.07% vs -28.71% in Mar 2025",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is 78.90% vs -26.99% in Mar 2025",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Mar'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "948.60",
          "val2": "810.30",
          "chgp": "17.07%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "318.10",
          "val2": "317.20",
          "chgp": "0.28%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "223.30",
          "val2": "195.70",
          "chgp": "14.10%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "136.50",
          "val2": "76.30",
          "chgp": "78.90%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "316.00%",
          "val2": "370.10%",
          "chgp": "-5.41%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is 42.39% vs 0.67% in Dec 2023",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 115.20% vs -69.57% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "3,910.90",
          "val2": "2,746.70",
          "chgp": "42.39%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,232.40",
          "val2": "860.10",
          "chgp": "43.29%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "761.70",
          "val2": "606.40",
          "chgp": "25.61%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "311.40",
          "val2": "144.70",
          "chgp": "115.20%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "297.30%",
          "val2": "287.60%",
          "chgp": "0.97%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQstock-summary
Jun'25
Mar'25
Change(%)
Net Sales
948.60
810.30
17.07%
Operating Profit (PBDIT) excl Other Income
318.10
317.20
0.28%
Interest
223.30
195.70
14.10%
Exceptional Items
0.00
0.00
Consolidate Net Profit
136.50
76.30
78.90%
Operating Profit Margin (Excl OI)
316.00%
370.10%
-5.41%
USD in Million.
stock-summary Compare with Peers
Direction Arrows
Net Sales

QoQ Growth in quarter ended Jun 2025 is 17.07% vs -28.71% in Mar 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is 78.90% vs -26.99% in Mar 2025

All Quarterly Resultsstock-summary
Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
3,910.90
2,746.70
42.39%
Operating Profit (PBDIT) excl Other Income
1,232.40
860.10
43.29%
Interest
761.70
606.40
25.61%
Exceptional Items
0.00
0.00
Consolidate Net Profit
311.40
144.70
115.20%
Operating Profit Margin (Excl OI)
297.30%
287.60%
0.97%
USD in Million.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 42.39% vs 0.67% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 115.20% vs -69.57% in Dec 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About PennyMac Financial Services, Inc. stock-summary
stock-summary
PennyMac Financial Services, Inc.
Finance
PennyMac Financial Services, Inc. is a specialty financial services firm. The Company conducts business in three segments: production, servicing (together, production and servicing comprise its mortgage banking activities) and investment management. Production segment performs mortgage loan origination, acquisition and sale activities. Servicing segment performs mortgage loan servicing for its own account and for others, including for PennyMac Mortgage Investment Trust (PMT). Investment management segment represents its investment management activities, which include the activities associated with investment asset acquisitions and dispositions, such as sourcing, due diligence, negotiation and settlement; managing correspondent production activities for PMT; and managing the acquired investments for PMT. Its primary subsidiaries are: PNMAC Capital Management, LLC, PennyMac Loan Services, LLC and PNMAC Opportunity Fund Associates, LLC.
Company Coordinates stock-summary
Company Details
3043 Townsgate Rd , WESTLAKE VILLAGE CA : 91361-3027
stock-summary
Tel: 1 818 22474421 818 2247028
stock-summary
http://ir.pennymacfinancial.com/
stock-summary
Registrar Details
Stock List
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