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PennyMac Financial Services Inc

PFSI

125.020USD

-2.110-1.66%

Close 09/19, 16:00（ET）Quotes delayed by 15 min

6.46BMarket Cap

16.71P/E TTM



PennyMac Financial Services Inc

125.020

-2.110-1.66%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite a very weak stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

47 / 400

Overall Ranking

151 / 4720

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 8 analysts

Buy

Current Rating

122.286

Target Price

-3.81%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

PennyMac Financial Services, Inc. is a specialty financial services company, which is focused on the production and servicing of the United States mortgage loans and the management of investments related to the United States mortgage market. The Company operates through three segments: production, servicing (together, production and servicing comprise its mortgage banking activities) and investment management. The production segment performs loan origination, acquisition and sale activities for its account, as well as for PennyMac Mortgage Investment Trust (PMT). The servicing segment performs loan servicing for both newly originated loans it is holding for sale and loans its services for others, including for PMT. The investment management segment performs investment management activities for PMT, which include the activities associated with investment asset acquisitions and dispositions such as sourcing, due diligence, negotiation and settlement.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 16.75%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 16.75%.

Overvalued

The company’s latest PB is 1.60, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 50.37M shares, decreasing 0.35% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 2.89M shares of this stock.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 5.77, which is lower than the Banking Services industry's average of 7.06. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 684.41M, representing a year-over-year increase of 11.46%, while its net profit experienced a year-over-year increase of 38.88%.

Score

Industry at a Glance

Previous score

5.77

Change



Financials

6.01

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

5.24

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

5.46

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.05

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.08

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 16.90, which is 53.55% below the recent high of 25.96 and 21.67% above the recent low of 13.24.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 47/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

The company’s current earnings forecast score is 7.75, which is higher than the Banking Services industry's average of 7.39. The average price target for PennyMac Financial Services Inc is 121.00, with a high of 135.00 and a low of 110.00.

Score

Industry at a Glance

Previous score

7.75

Change

Support & Resistance

No Data

Analyst Rating

Based on 8 analysts

Buy

Current Rating

122.286

Target Price

-3.81%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

PennyMac Financial Services Inc

PFSI

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-19

The company’s current price momentum score is 9.54, which is higher than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 137.06 and the support level at 110.16, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.54

Change

-0.16

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(3)

Neutral(1)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

0.906

Buy

RSI(14)

72.614

Buy

STOCH(KDJ)(9,3,3)

67.559

Sell

ATR(14)

3.565

High Vlolatility

CCI(14)

67.729

Neutral

Williams %R

22.915

Buy

TRIX(12,20)

0.829

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

125.334

Sell

MA10

123.780

Buy

MA20

117.425

Buy

MA50

107.003

Buy

MA100

102.394

Buy

MA200

102.001

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 97.41%, representing a quarter-over-quarter decrease of 0.77%. The largest institutional shareholder is The Vanguard, holding a total of 2.89M shares, representing 5.58% of shares outstanding, with 0.18% decrease in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

HC Partners LLC

15.74M

MFN Partners Management LP

4.53M

T. Rowe Price Investment Management, Inc.

4.29M

+0.56%

The Vanguard Group, Inc.

Star Investors

2.86M

-0.49%

BlackRock Institutional Trust Company, N.A.

1.91M

-6.54%

Dimensional Fund Advisors, L.P.

1.95M

-9.27%

Fidelity Management & Research Company LLC

1.26M

-2.30%

Invesco Advisers, Inc.

1.21M

+4.69%

State Street Global Advisors (US)

931.05K

-6.71%

Geode Capital Management, L.L.C.

680.63K

+3.35%

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 5.87, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 1.59. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.