(PFSI) PennyMac Finl Svcs - Overview
Stock: Mortgage Loans, Loan Servicing, Loan Origination, Investment Management
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.12% |
| Yield on Cost 5y | 2.48% |
| Yield CAGR 5y | 10.67% |
| Payout Consistency | 90.9% |
| Payout Ratio | 9.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.1% |
| Relative Tail Risk | -9.61% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.00 |
| Alpha | -18.66 |
| Character TTM | |
|---|---|
| Beta | 0.556 |
| Beta Downside | 0.372 |
| Drawdowns 3y | |
|---|---|
| Max DD | 41.63% |
| CAGR/Max DD | 0.36 |
Description: PFSI PennyMac Finl Svcs January 09, 2026
PennyMac Financial Services, Inc. (NYSE:PFSI) operates two core segments: Production, which originates, acquires, and sells residential conventional and government-insured mortgage loans via correspondent, consumer-direct, and broker-direct channels; and Servicing, which handles loan administration, collections, default management, and loss-mitigation for both newly originated and held-for-sale loans. Founded in 2008 and based in Westlake Village, California, the firm’s business model spans the full mortgage lifecycle from origination to servicing.
As of the latest Q3 2024 filing, PFSI reported a $1.2 billion servicing portfolio and originated roughly $13 billion in new loan volume, with a net interest margin of 2.8% on its production activities. The company’s delinquency rate sits at 2.1%, below the industry average of ~2.8%, reflecting relatively strong credit quality. Key economic drivers include Federal Reserve policy on short-term rates (which directly affect mortgage rates), housing inventory constraints, and the spread between Treasury yields and mortgage-backed securities, all of which influence both loan demand and the profitability of PFSI’s servicing assets.
For a deeper quantitative view of how these macro-factors translate into PFSI’s valuation metrics, you might explore the ValueRay platform’s forward-looking cash-flow models and scenario analysis tools.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 501.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 18.82 > 1.0 |
| NWC/Revenue: -157.1% < 20% (prev 276.5%; Δ -433.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 237.3m > Net Income 501.1m |
| Net Debt (5.86b) to EBITDA (1.10b): 5.33 < 3 |
| Current Ratio: 0.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (54.2m) vs 12m ago 1.11% < -2% |
| Gross Margin: 75.57% > 18% (prev 0.67%; Δ 7490 % > 0.5%) |
| Asset Turnover: 16.15% > 50% (prev 8.04%; Δ 8.11% > 0%) |
| Interest Coverage Ratio: 0.92 > 6 (EBITDA TTM 1.10b / Interest Expense TTM 701.8m) |
Altman Z'' -0.77
| A: -0.24 (Total Current Assets 301.7m - Total Current Liabilities 7.34b) / Total Assets 29.39b |
| B: 0.14 (Retained Earnings 4.21b / Total Assets 29.39b) |
| C: 0.02 (EBIT TTM 648.4m / Avg Total Assets 27.74b) |
| D: 0.17 (Book Value of Equity 4.21b / Total Liabilities 25.08b) |
| Altman-Z'' Score: -0.77 = CCC |
What is the price of PFSI shares?
Over the past week, the price has changed by +2.72%, over one month by -30.42%, over three months by -24.70% and over the past year by -6.10%.
Is PFSI a buy, sell or hold?
- StrongBuy: 4
- Buy: 3
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PFSI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 133 | 39.1% |
| Analysts Target Price | 133 | 39.1% |
| ValueRay Target Price | 106 | 10.9% |
PFSI Fundamental Data Overview February 09, 2026
P/E Forward = 5.9382
P/S = 1.4385
P/B = 1.155
P/EG = 4.67
Revenue TTM = 4.48b USD
EBIT TTM = 648.4m USD
EBITDA TTM = 1.10b USD
Long Term Debt = 12.27b USD (from longTermDebt, two quarters ago)
Short Term Debt = 6.16b USD (from shortTermDebt, last quarter)
Debt = 6.16b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.86b USD (from netDebt column, last quarter)
Enterprise Value = 10.83b USD (4.98b + Debt 6.16b - CCE 301.7m)
Interest Coverage Ratio = 0.92 (Ebit TTM 648.4m / Interest Expense TTM 701.8m)
EV/FCF = 51.82x (Enterprise Value 10.83b / FCF TTM 209.0m)
FCF Yield = 1.93% (FCF TTM 209.0m / Enterprise Value 10.83b)
FCF Margin = 4.67% (FCF TTM 209.0m / Revenue TTM 4.48b)
Net Margin = 11.18% (Net Income TTM 501.1m / Revenue TTM 4.48b)
Gross Margin = 75.57% ((Revenue TTM 4.48b - Cost of Revenue TTM 1.09b) / Revenue TTM)
Gross Margin QoQ = 90.45% (prev 88.37%)
Tobins Q-Ratio = 0.37 (Enterprise Value 10.83b / Total Assets 29.39b)
Interest Expense / Debt = 4.27% (Interest Expense 263.0m / Debt 6.16b)
Taxrate = 20.52% (27.6m / 134.4m)
NOPAT = 515.4m (EBIT 648.4m * (1 - 20.52%))
Current Ratio = 0.04 (Total Current Assets 301.7m / Total Current Liabilities 7.34b)
Debt / Equity = 1.43 (Debt 6.16b / totalStockholderEquity, last quarter 4.31b)
Debt / EBITDA = 5.33 (Net Debt 5.86b / EBITDA 1.10b)
Debt / FCF = 28.01 (Net Debt 5.86b / FCF TTM 209.0m)
Total Stockholder Equity = 4.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.81% (Net Income 501.1m / Total Assets 29.39b)
RoE = 12.18% (Net Income TTM 501.1m / Total Stockholder Equity 4.11b)
RoCE = 3.96% (EBIT 648.4m / Capital Employed (Equity 4.11b + L.T.Debt 12.27b))
RoIC = 2.26% (NOPAT 515.4m / Invested Capital 22.78b)
WACC = 5.44% (E(4.98b)/V(11.13b) * Re(7.96%) + D(6.16b)/V(11.13b) * Rd(4.27%) * (1-Tc(0.21)))
Discount Rate = 7.96% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.10%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈209.0m ; Y1≈137.2m ; Y5≈62.6m
Fair Price DCF = N/A (negative equity: EV 1.99b - Net Debt 5.86b = -3.86b; debt exceeds intrinsic value)
EPS Correlation: 30.61 | EPS CAGR: -10.27% | SUE: -0.91 | # QB: 0
Revenue Correlation: 67.45 | Revenue CAGR: 24.40% | SUE: 4.0 | # QB: 4
EPS next Quarter (2026-03-31): EPS=2.14 | Chg30d=-1.320 | Revisions Net=-3 | Analysts=6
EPS current Year (2026-12-31): EPS=11.39 | Chg30d=-3.819 | Revisions Net=-3 | Growth EPS=-8.3% | Growth Revenue=+22.4%
EPS next Year (2027-12-31): EPS=15.98 | Chg30d=-1.691 | Revisions Net=-1 | Growth EPS=+40.3% | Growth Revenue=+15.1%