Overview Dividends

(PFSI) PennyMac Finl Svcs - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US70932M1071

Mortgage, Origination, Servicing, Lending, Investment

Commercial & Residential Mortgage Finance
Market Cap in USD: 6,834m

IPO / Inception: 2013-05-09
Return 12m vs S&P 500: 16.3%

EPS (Earnings per Share)

EPS CAGR: 5.65%
EPS Trend: 23.7%

Last SUE: 0.43
Qual. Beats: 0

Revenue

Rev. CAGR: 5.20%
Rev. Trend: 46.0%

Last SUE: 0.26
Qual. Beats: 0

Dividends

Dividend Yield	0.89%
Yield on Cost 5y	2.22%
Yield CAGR 5y	10.67%
Payout Consistency	90.9%
Payout Ratio	9.0%

Risk via 5d forecast
Volatility	30.5%
Value at Risk 5%th	47.3%
Relative Tail Risk	-5.89%

Reward TTM
Sharpe Ratio	0.98
Alpha	24.08
CAGR/Max DD	1.43

Character TTM
Hurst Exponent	0.452
Beta	0.547
Beta Downside	0.399

Drawdowns 3y
Max DD	22.96%
Mean DD	8.80%
Median DD	7.94%

Description: PFSI PennyMac Finl Svcs November 06, 2025

PennyMac Financial Services, Inc. (NYSE:PFSI) operates two core segments: Production, which originates, acquires, and sells residential mortgage loans-including conventional, FHA, VA, and USDA-backed loans-through correspondent channels, direct consumer lending, and broker relationships; and Servicing, which manages loan administration, collections, default mitigation, and related custodial functions for both newly originated and existing loan portfolios.

Key performance indicators from the most recent quarterly filing show a loan origination volume of roughly $12 billion, a net interest margin of 2.1 %, and a servicing portfolio balance near $140 billion. The company’s delinquency rate sits at 2.3 % (30-day past due), modestly below the industry average of 2.8 %, reflecting relatively tight credit underwriting amid a tightening housing market.

The mortgage finance sector is highly sensitive to Federal Reserve policy and housing supply dynamics. Rising rates have slowed new loan demand, but also increased the value of existing servicing assets, while a persistent inventory shortage continues to support home price appreciation, indirectly sustaining loan-to-value ratios for new originations.

For a deeper quantitative view of PFSI’s valuation and risk profile, you may find it useful to explore the company’s metrics on ValueRay, where additional data visualizations can help you assess the trade-off between yield and credit exposure.

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (498.7m TTM) > 0 and > 6% of Revenue (6% = 186.3m TTM)

FCFTA -0.08 (>2.0%) and ΔFCFTA 1.71pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 179.3% (prev 257.5%; Δ -78.18pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.08 (>3.0%) and CFO -1.91b <= Net Income 498.7m (YES >=105%, WARN >=100%)

Net Debt (18.78b) to EBITDA (851.6m) ratio: 22.05 <= 3.0 (WARN <= 3.5)

Current Ratio 1.63 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (53.9m) change vs 12m ago 0.71% (target <= -2.0% for YES)

Gross Margin 72.59% (prev 53.55%; Δ 19.04pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 12.86% (prev 9.44%; Δ 3.42pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.46 (EBITDA TTM 851.6m / Interest Expense TTM 686.1m) >= 6 (WARN >= 3)

Altman Z'' 2.26

(A) 0.22 = (Total Current Assets 14.43b - Total Current Liabilities 8.86b) / Total Assets 25.40b

(B) 0.16 = Retained Earnings (Balance) 4.12b / Total Assets 25.40b

(D) 0.19 = Book Value of Equity 4.12b / Total Liabilities 21.19b

Total Rating: 2.26 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 34.70

1. Piotroski 2.50pt

2. FCF Yield -7.62%

3. FCF Margin -62.73%

4. Debt/Equity 4.61

5. Debt/Ebitda 22.05

6. ROIC - WACC (= -1.79)%

7. RoE 12.49%

8. Rev. Trend 45.98%

9. EPS Trend 23.70%

What is the price of PFSI shares?

As of January 07, 2026, the stock is trading at USD 135.01 with a total of 258,663 shares traded.
Over the past week, the price has changed by +1.31%, over one month by +4.63%, over three months by +14.37% and over the past year by +36.74%.

Is PFSI a buy, sell or hold?

PennyMac Finl Svcs has received a consensus analysts rating of 4.22. Therefore, it is recommended to buy PFSI.

Strong Buy: 4
Buy: 3
Hold: 2
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the PFSI price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	147.8	9.4%
Analysts Target Price	147.8	9.4%
ValueRay Target Price	172.7	27.9%

PFSI Fundamental Data Overview January 03, 2026

Market Cap USD = 6.83b (6.83b USD * 1.0 USD.USD)
P/E Trailing = 14.1866
P/E Forward = 8.19
P/S = 2.5093
P/B = 1.6282
P/EG = 4.67
Beta = 1.585
Revenue TTM = 3.10b USD
EBIT TTM = 312.4m USD
EBITDA TTM = 851.6m USD
Long Term Debt = 12.27b USD (from longTermDebt, last quarter)
Short Term Debt = 7.13b USD (from shortTermDebt, last quarter)
Debt = 19.40b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 18.78b USD (from netDebt column, last quarter)
Enterprise Value = 25.55b USD (6.83b + Debt 19.40b - CCE 684.1m)
Interest Coverage Ratio = 0.46 (Ebit TTM 312.4m / Interest Expense TTM 686.1m)
FCF Yield = -7.62% (FCF TTM -1.95b / Enterprise Value 25.55b)
FCF Margin = -62.73% (FCF TTM -1.95b / Revenue TTM 3.10b)
Net Margin = 16.07% (Net Income TTM 498.7m / Revenue TTM 3.10b)
Gross Margin = 72.59% ((Revenue TTM 3.10b - Cost of Revenue TTM 851.0m) / Revenue TTM)
Gross Margin QoQ = 98.40% (prev 51.89%)
Tobins Q-Ratio = 1.01 (Enterprise Value 25.55b / Total Assets 25.40b)
Interest Expense / Debt = 1.29% (Interest Expense 249.9m / Debt 19.40b)
Taxrate = 23.21% (54.9m / 236.4m)
NOPAT = 239.9m (EBIT 312.4m * (1 - 23.21%))
Current Ratio = 1.63 (Total Current Assets 14.43b / Total Current Liabilities 8.86b)
Debt / Equity = 4.61 (Debt 19.40b / totalStockholderEquity, last quarter 4.21b)
Debt / EBITDA = 22.05 (Net Debt 18.78b / EBITDA 851.6m)
Debt / FCF = -9.64 (negative FCF - burning cash) (Net Debt 18.78b / FCF TTM -1.95b)
Total Stockholder Equity = 3.99b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.96% (Net Income 498.7m / Total Assets 25.40b)
RoE = 12.49% (Net Income TTM 498.7m / Total Stockholder Equity 3.99b)
RoCE = 1.92% (EBIT 312.4m / Capital Employed (Equity 3.99b + L.T.Debt 12.27b))
RoIC = 1.03% (NOPAT 239.9m / Invested Capital 23.18b)
WACC = 2.82% (E(6.83b)/V(26.24b) * Re(8.03%) + D(19.40b)/V(26.24b) * Rd(1.29%) * (1-Tc(0.23)))
Discount Rate = 8.03% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 3.82%
Fair Price DCF = unknown (Cash Flow -1.95b)
EPS Correlation: 23.70 | EPS CAGR: 5.65% | SUE: 0.43 | # QB: 0
Revenue Correlation: 45.98 | Revenue CAGR: 5.20% | SUE: 0.26 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.46 | Chg30d=-0.152 | Revisions Net=+0 | Analysts=7
EPS next Year (2026-12-31): EPS=15.21 | Chg30d=-0.252 | Revisions Net=+0 | Growth EPS=+25.2% | Growth Revenue=+21.3%

Additional Sources for PFSI Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle