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 sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is PennyMac Financial Services, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
PennyMac Financial Services, Inc.
-46.71%
1.49
32.36%
S&P 500
15.76%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.87%
EBIT Growth (5y)
-9.88%
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
65.96%
ROCE (avg)
48.79%
ROE (avg)
19.13%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.03
EV to EBIT
2.61
EV to EBITDA
2.49
EV to Capital Employed
1.04
EV to Sales
0.88
PEG Ratio
0.15
Dividend Yield
1.38%
ROCE (Latest)
39.92%
ROE (Latest)
11.63%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD -1,355.33 MM
NET SALES(HY)
At USD 2,304.83 MM has Grown at 31.04%
DIVIDEND PAYOUT RATIO(Y)
Highest at 73.53%
DEBTORS TURNOVER RATIO(HY)
Highest at 27.85 times
-24What is not working for the Company
NET SALES(Q)
At USD 952.8 MM has Fallen at -20.22%
INTEREST COVERAGE RATIO(Q)
Lowest at 112.89
RAW MATERIAL COST(Y)
Grown by 6.02% (YoY
INVENTORY TURNOVER RATIO(HY)
Lowest at 16.76 times
INTEREST(Q)
Highest at USD 244.66 MM
PRE-TAX PROFIT(Q)
Lowest at USD 31.52 MM
NET PROFIT(Q)
Lowest at USD 21.73 MM
EPS(Q)
Lowest at USD 0.41
Here's what is working for PennyMac Financial Services, Inc.
Operating Cash Flow
Highest at USD -1,355.33 MM and Grown
In each year 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 27.85 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Dividend Payout Ratio
Highest at 73.53%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 18.83 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for PennyMac Financial Services, Inc.
Net Sales
At USD 952.8 MM has Fallen at -20.22%
over average net sales of the previous four periods of USD 1,194.34 MMMOJO Watch
Near term sales trend is extremely negative
Net Sales (USD MM)
Pre-Tax Profit
At USD 31.52 MM has Fallen at -77.15%
over average net sales of the previous four periods of USD 137.98 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 21.73 MM has Fallen at -82.86%
over average net sales of the previous four periods of USD 126.78 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Interest Coverage Ratio
Lowest at 112.89
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Interest
Highest at USD 244.66 MM
in the last five periods and Increased by 10.78% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Pre-Tax Profit
Lowest at USD 31.52 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 21.73 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.41
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Inventory Turnover Ratio
Lowest at 16.76 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling inventory has slowed
Inventory Turnover Ratio
Raw Material Cost
Grown by 6.02% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
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