PENNYMAC FINANCIAL SERVICES (PFSI) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PFSI • US70932M1071

95.27 USD
-0.33 (-0.35%)
Last: Feb 9, 2026, 02:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PFSI. PFSI was compared to 96 industry peers in the Financial Services industry. There are concerns on the financial health of PFSI while its profitability can be described as average. PFSI has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • PFSI had positive earnings in the past year.
  • In the past year PFSI has reported a negative cash flow from operations.
  • PFSI had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: PFSI reported negative operating cash flow in multiple years.
PFSI Yearly Net Income VS EBIT VS OCF VS FCFPFSI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B 6B -6B

1.2 Ratios

  • PFSI has a Return On Assets of 1.96%. This is in the better half of the industry: PFSI outperforms 60.42% of its industry peers.
  • PFSI has a better Return On Equity (11.85%) than 65.63% of its industry peers.
  • PFSI has a Return On Invested Capital of 1.97%. This is comparable to the rest of the industry: PFSI outperforms 46.88% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PFSI is significantly below the industry average of 8.60%.
  • The last Return On Invested Capital (1.97%) for PFSI is above the 3 year average (1.61%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.96%
ROE 11.85%
ROIC 1.97%
ROA(3y)1.22%
ROA(5y)2.37%
ROE(3y)7.95%
ROE(5y)13.38%
ROIC(3y)1.61%
ROIC(5y)3.02%
PFSI Yearly ROA, ROE, ROICPFSI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

1.3 Margins

  • PFSI's Profit Margin of 17.17% is fine compared to the rest of the industry. PFSI outperforms 65.63% of its industry peers.
  • PFSI's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 19.02%, PFSI is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PFSI has declined.
  • Looking at the Gross Margin, with a value of 68.13%, PFSI is in the better half of the industry, outperforming 79.17% of the companies in the same industry.
  • In the last couple of years the Gross Margin of PFSI has declined.
Industry RankSector Rank
OM 19.02%
PM (TTM) 17.17%
GM 68.13%
OM growth 3Y-13.83%
OM growth 5Y-20.2%
PM growth 3Y-6.65%
PM growth 5Y-16.64%
GM growth 3Y-7.34%
GM growth 5Y-6.09%
PFSI Yearly Profit, Operating, Gross MarginsPFSI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • PFSI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, PFSI has more shares outstanding
  • The number of shares outstanding for PFSI has been reduced compared to 5 years ago.
  • PFSI has a better debt/assets ratio than last year.
PFSI Yearly Shares OutstandingPFSI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
PFSI Yearly Total Debt VS Total AssetsPFSI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • PFSI has an Altman-Z score of 0.14. This is a bad value and indicates that PFSI is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.14, PFSI is in line with its industry, outperforming 41.67% of the companies in the same industry.
  • PFSI has a Debt/Equity ratio of 3.32. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 3.32, PFSI is not doing good in the industry: 77.08% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.32
Debt/FCF N/A
Altman-Z 0.14
ROIC/WACC0.23
WACC8.56%
PFSI Yearly LT Debt VS Equity VS FCFPFSI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B 6B -6B

2.3 Liquidity

  • PFSI has a Current Ratio of 0.07. This is a bad value and indicates that PFSI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • PFSI has a worse Current ratio (0.07) than 78.13% of its industry peers.
  • PFSI has a Quick Ratio of 0.07. This is a bad value and indicates that PFSI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • PFSI has a worse Quick ratio (0.07) than 78.13% of its industry peers.
Industry RankSector Rank
Current Ratio 0.07
Quick Ratio 0.07
PFSI Yearly Current Assets VS Current LiabilitesPFSI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • PFSI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.69%, which is quite impressive.
  • The earnings per share for PFSI have been decreasing by -15.13% on average. This is quite bad
  • The Revenue has grown by 24.62% in the past year. This is a very strong growth!
  • Measured over the past years, PFSI shows a decrease in Revenue. The Revenue has been decreasing by -5.44% on average per year.
EPS 1Y (TTM)22.69%
EPS 3Y3.49%
EPS 5Y-15.13%
EPS Q2Q%1.03%
Revenue 1Y (TTM)24.62%
Revenue growth 3Y9.01%
Revenue growth 5Y-5.44%
Sales Q2Q%14.44%

3.2 Future

  • Based on estimates for the next years, PFSI will show a very strong growth in Earnings Per Share. The EPS will grow by 26.36% on average per year.
  • The Revenue is expected to grow by 14.51% on average over the next years. This is quite good.
EPS Next Y35.11%
EPS Next 2Y31.94%
EPS Next 3Y26.36%
EPS Next 5YN/A
Revenue Next Year19.18%
Revenue Next 2Y16.94%
Revenue Next 3Y14.51%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PFSI Yearly Revenue VS EstimatesPFSI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
PFSI Yearly EPS VS EstimatesPFSI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15 20

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.24 indicates a reasonable valuation of PFSI.
  • Based on the Price/Earnings ratio, PFSI is valued a bit cheaper than the industry average as 60.42% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of PFSI to the average of the S&P500 Index (27.93), we can say PFSI is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.58, the valuation of PFSI can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, PFSI is valued a bit cheaper than 73.96% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.77, PFSI is valued rather cheaply.
Industry RankSector Rank
PE 10.24
Fwd PE 7.58
PFSI Price Earnings VS Forward Price EarningsPFSI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as PFSI.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 17.57
PFSI Per share dataPFSI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 50 -50 -100

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as PFSI's earnings are expected to grow with 26.36% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y31.94%
EPS Next 3Y26.36%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • PFSI has a Yearly Dividend Yield of 1.23%.
  • In the last 3 months the price of PFSI has falen by -24.13%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 2.03, PFSI has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.81, PFSI is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.23%

5.2 History

  • On average, the dividend of PFSI grows each year by 52.53%, which is quite nice.
  • PFSI has been paying a dividend for over 5 years, so it has already some track record.
  • PFSI has decreased its dividend in the last 3 years.
Dividend Growth(5Y)52.53%
Div Incr Years1
Div Non Decr Years2
PFSI Yearly Dividends per sharePFSI Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • PFSI pays out 12.49% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of PFSI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP12.49%
EPS Next 2Y31.94%
EPS Next 3Y26.36%
PFSI Yearly Income VS Free CF VS DividendPFSI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B -6B
PFSI Dividend Payout.PFSI Dividend Payout, showing the Payout Ratio.PFSI Dividend Payout.PayoutRetained Earnings

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PENNYMAC FINANCIAL SERVICES

NYSE:PFSI (2/9/2026, 2:04:11 PM)

95.27

-0.33 (-0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-29
Earnings (Next)04-20
Inst Owners63.76%
Inst Owner Change-1.66%
Ins Owners4.63%
Ins Owner Change-0.14%
Market Cap4.95B
Revenue(TTM)3.01B
Net Income(TTM)498.74M
Analysts80
Price Target140 (46.95%)
Short Float %3.58%
Short Ratio2.23
Dividend
Industry RankSector Rank
Dividend Yield 1.23%
Yearly Dividend1.03
Dividend Growth(5Y)52.53%
DP12.49%
Div Incr Years1
Div Non Decr Years2
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.46%
Min EPS beat(2)-12.94%
Max EPS beat(2)13.86%
EPS beat(4)1
Avg EPS beat(4)-21.8%
Min EPS beat(4)-49.34%
Max EPS beat(4)13.86%
EPS beat(8)2
Avg EPS beat(8)-39.52%
EPS beat(12)3
Avg EPS beat(12)-35.2%
EPS beat(16)6
Avg EPS beat(16)-13.25%
Revenue beat(2)1
Avg Revenue beat(2)-7.71%
Min Revenue beat(2)-21.27%
Max Revenue beat(2)5.84%
Revenue beat(4)1
Avg Revenue beat(4)-12.04%
Min Revenue beat(4)-21.27%
Max Revenue beat(4)5.84%
Revenue beat(8)1
Avg Revenue beat(8)-16.04%
Revenue beat(12)2
Avg Revenue beat(12)-11.42%
Revenue beat(16)6
Avg Revenue beat(16)-4.33%
PT rev (1m)-5.43%
PT rev (3m)-0.95%
EPS NQ rev (1m)-5.52%
EPS NQ rev (3m)0.53%
EPS NY rev (1m)-19.3%
EPS NY rev (3m)-19.18%
Revenue NQ rev (1m)-1.53%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)-5.91%
Revenue NY rev (3m)-5.74%
Valuation
Industry RankSector Rank
PE 10.24
Fwd PE 7.58
P/S 1.7
P/FCF N/A
P/OCF N/A
P/B 1.18
P/tB N/A
EV/EBITDA 17.57
EPS(TTM)9.3
EY9.76%
EPS(NY)12.57
Fwd EY13.19%
FCF(TTM)-37.47
FCFYN/A
OCF(TTM)-36.78
OCFYN/A
SpS55.88
BVpS80.97
TBVpS-106.81
PEG (NY)0.29
PEG (5Y)N/A
Graham Number130.16
Profitability
Industry RankSector Rank
ROA 1.96%
ROE 11.85%
ROCE 3.49%
ROIC 1.97%
ROICexc 2.02%
ROICexgc 6.91%
OM 19.02%
PM (TTM) 17.17%
GM 68.13%
FCFM N/A
ROA(3y)1.22%
ROA(5y)2.37%
ROE(3y)7.95%
ROE(5y)13.38%
ROIC(3y)1.61%
ROIC(5y)3.02%
ROICexc(3y)1.65%
ROICexc(5y)3.14%
ROICexgc(3y)6.86%
ROICexgc(5y)12.2%
ROCE(3y)2.84%
ROCE(5y)5.65%
ROICexgc growth 3Y-40.77%
ROICexgc growth 5Y-20.72%
ROICexc growth 3Y-24.8%
ROICexc growth 5Y-23.07%
OM growth 3Y-13.83%
OM growth 5Y-20.2%
PM growth 3Y-6.65%
PM growth 5Y-16.64%
GM growth 3Y-7.34%
GM growth 5Y-6.09%
F-Score5
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 3.32
Debt/FCF N/A
Debt/EBITDA 23.4
Cap/Depr 79.44%
Cap/Sales 1.23%
Interest Coverage 0.6
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.07
Quick Ratio 0.07
Altman-Z 0.14
F-Score5
WACC8.56%
ROIC/WACC0.23
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.69%
EPS 3Y3.49%
EPS 5Y-15.13%
EPS Q2Q%1.03%
EPS Next Y35.11%
EPS Next 2Y31.94%
EPS Next 3Y26.36%
EPS Next 5YN/A
Revenue 1Y (TTM)24.62%
Revenue growth 3Y9.01%
Revenue growth 5Y-5.44%
Sales Q2Q%14.44%
Revenue Next Year19.18%
Revenue Next 2Y16.94%
Revenue Next 3Y14.51%
Revenue Next 5YN/A
EBIT growth 1Y44.72%
EBIT growth 3Y-6.06%
EBIT growth 5Y-24.54%
EBIT Next Year86.96%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.47%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y2.19%
OCF growth 3YN/A
OCF growth 5YN/A

PENNYMAC FINANCIAL SERVICES / PFSI FAQ

Can you provide the ChartMill fundamental rating for PENNYMAC FINANCIAL SERVICES?

ChartMill assigns a fundamental rating of 4 / 10 to PFSI.


Can you provide the valuation status for PENNYMAC FINANCIAL SERVICES?

ChartMill assigns a valuation rating of 6 / 10 to PENNYMAC FINANCIAL SERVICES (PFSI). This can be considered as Fairly Valued.


Can you provide the profitability details for PENNYMAC FINANCIAL SERVICES?

PENNYMAC FINANCIAL SERVICES (PFSI) has a profitability rating of 4 / 10.


Can you provide the PE and PB ratios for PFSI stock?

The Price/Earnings (PE) ratio for PENNYMAC FINANCIAL SERVICES (PFSI) is 10.24 and the Price/Book (PB) ratio is 1.18.


How sustainable is the dividend of PENNYMAC FINANCIAL SERVICES (PFSI) stock?

The dividend rating of PENNYMAC FINANCIAL SERVICES (PFSI) is 4 / 10 and the dividend payout ratio is 12.49%.