ScoreComparison
Why is PennyMac Financial Services, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 19.13%
2
Positive results in Jun 25
- ROCE(HY) Highest at 10.05%
- DIVIDEND PER SHARE(HY) Highest at USD 24.31
- NET PROFIT(Q) Highest at USD 136.46 MM
3
With ROE of 8.92%, it has a attractive valuation with a 1.27 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 24.64%, its profits have risen by 126.8% ; the PEG ratio of the company is 0.1
4
Market Beating performance in long term as well as near term
- Along with generating 24.64% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to PennyMac Financial Services, Inc. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is PennyMac Financial Services, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
PennyMac Financial Services, Inc.
-14.66%
1.49
32.36%
S&P 500
17.45%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality 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)
0
Sales to Capital Employed (avg)
0
Tax Ratio
24.48%
Dividend Payout Ratio
12.90%
Pledged Shares
0
Institutional Holding
68.39%
ROCE (avg)
48.79%
ROE (avg)
19.13%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD -1,399.91 MM
NET PROFIT(HY)
At USD 288.33 MM has Grown at 65.85%
ROCE(HY)
Highest at 12.31%
DEBTORS TURNOVER RATIO(HY)
Highest at 27.68 times
-2What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for PennyMac Financial Services, Inc.
Net Profit
At USD 288.33 MM has Grown at 65.85%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD -1,399.91 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Debtors Turnover Ratio
Highest at 27.68 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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