PFSI Share Price | PennyMac Financial Services, Inc. Stock Analysis & Recommendation

Q: How big is PennyMac Financial Services, Inc.?

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.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.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.

Q: What does PennyMac Financial Services, Inc. do?

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

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

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. 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.

Q: 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%.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

1.24 M

Shareholding (Dec 2025)

FII

6.09%

Held by 108 FIIs

DII

64.93%

Held by 34 DIIs

Promoter

0.01%

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.

View full answer

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.

View full answer

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.

View full answer

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.

View full answer

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.

View full answer

Compare PennyMac Financial Services, Inc. with Similar Stocks

Mr. Cooper Group, Inc.Hertz Global Holdings, Inc.Air Lease Corp.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

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

Positive results in Jun 25

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

Market Beating performance in long term as well as near term

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

USD 4,793 Million (Small Cap)

P/E

16.00

Industry P/E

Dividend Yield

1.29%

Debt Equity

-999,999.00

Return on Equity

11.63%

Price to Book

1.11

Revenue and Profits:

Net Sales:

1,181 Million

(Quarterly Results - Dec 2025)

Net Profit:

107 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-34.15%

6 Months

-26.63%

1 Year

-14.66%

2 Years

0.28%

3 Years

38.63%

4 Years

45.83%

5 Years

39.91%

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

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

5.88%

EBIT Growth (5y)

-9.53%

EBIT to Interest (avg)

4.52

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

24.48%

Dividend Payout Ratio

12.90%

Pledged Shares

Institutional Holding

68.39%

ROCE (avg)

48.79%

ROE (avg)

19.13%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.56

EV to EBIT

4.60

EV to EBITDA

4.35

EV to Capital Employed

1.66

EV to Sales

1.47

PEG Ratio

0.17

Dividend Yield

0.97%

ROCE (Latest)

36.09%

ROE (Latest)

9.59%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Mildly Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 57 Schemes (28.95%)

Foreign Institutions

Held by 108 Foreign Institutions (6.09%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Dec 2025 is -8.80% vs 36.56% in Sep 2025",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2025 is -41.16% vs 32.97% in Sep 2025",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Sep'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "1,181.40",
          "val2": "1,295.40",
          "chgp": "-8.80%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "386.50",
          "val2": "483.50",
          "chgp": "-20.06%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "234.90",
          "val2": "230.70",
          "chgp": "1.82%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "106.80",
          "val2": "181.50",
          "chgp": "-41.16%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "312.60%",
          "val2": "360.50%",
          "chgp": "-4.79%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'25",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2025 is 8.30% vs 42.39% in Dec 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2025 is 60.92% vs 115.20% in Dec 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "4,235.60",
          "val2": "3,910.90",
          "chgp": "8.30%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,505.30",
          "val2": "1,232.40",
          "chgp": "22.14%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "884.50",
          "val2": "761.70",
          "chgp": "16.12%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "501.10",
          "val2": "311.40",
          "chgp": "60.92%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "339.00%",
          "val2": "297.30%",
          "chgp": "4.17%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQ

Dec'25

Sep'25

Change(%)

Net Sales

1,181.40

1,295.40

-8.80%

Operating Profit (PBDIT) excl Other Income

386.50

483.50

-20.06%

Interest

234.90

230.70

1.82%

Exceptional Items

0.00

Consolidate Net Profit

106.80

181.50

-41.16%

Operating Profit Margin (Excl OI)

312.60%

360.50%

-4.79%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Dec 2025 is -8.80% vs 36.56% in Sep 2025

Consolidated Net Profit

QoQ Growth in quarter ended Dec 2025 is -41.16% vs 32.97% in Sep 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

4,235.60

3,910.90

8.30%

Operating Profit (PBDIT) excl Other Income

1,505.30

1,232.40

22.14%

Interest

884.50

761.70

16.12%

Exceptional Items

0.00

Consolidate Net Profit

501.10

311.40

60.92%

Operating Profit Margin (Excl OI)

339.00%

297.30%

4.17%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 8.30% vs 42.39% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 60.92% vs 115.20% in Dec 2024

All Annual Results

Company CV

About PennyMac Financial Services, Inc.

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

Company Details

3043 Townsgate Rd , WESTLAKE VILLAGE CA : 91361-3027

Tel: 1 818 22474421 818 2247028

http://ir.pennymacfinancial.com/

Registrar Details