Indicators
Indicators
Value
Direction
MACD(12,26,9)
-0.049
Neutral
RSI(14)
62.078
Neutral
STOCH(KDJ)(9,3,3)
68.292
Buy
ATR(14)
3.345
Low Volatility
CCI(14)
160.285
Buy
Williams %R
26.697
Buy
TRIX(12,20)
0.121
Sell
StochRSI(14)
100.000
Buy
PennyMac Financial Services Inc
PFSI134.445USD
+2.035+1.54%
Close 12/19, 16:00（ET）Quotes delayed by 15 min
6.97BMarket Cap
13.89P/E TTM
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison
TradingKey Stock Score of PennyMac Financial Services Inc
Currency: USD Updated: 2025-12-19Key Insights
PennyMac Financial Services Inc's fundamentals are relatively very healthy, and its growth potential is high.Its valuation is considered fairly valued, ranking 116/404 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 138.57.In the medium term, the stock price is expected to remain stable.Despite a good stock market performance and strong technicals over the past month, the fundamentals don't support the current trend.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.
PennyMac Financial Services Inc's Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Score Analysis
Current score
Previous score
Analyst Rating
Based on
8
analysts
Buy
Current Rating
138.571
Target Price
+7.39%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.
PennyMac Financial Services Inc 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 two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities for its account, as well as for PennyMac Mortgage Investment Trust (PMT). Its loan production segment sources new prime credit quality residential conventional and government-insured or guaranteed mortgage loans through three channels: correspondent production, broker direct lending and consumer direct lending. 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. Its loan servicing segment performs loan administration, collection, and default management activities.
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 1.66, at a high 3-year percentile range.
Institutional Selling
The latest institutional holdings are 31.22M shares, decreasing 6.84% quarter-over-quarter.
Held by CI Select Canadian Equity Fund
Star Investor CI Select Canadian Equity Fund holds 261.00 shares of this stock.
Financial Health
Currency: USD Updated: 2025-12-19The current financial score of PennyMac Financial Services Inc is 5.60, ranking 319/404 in the Banking Services industry. Its financial status is robust, and its operating efficiency is low. Its latest quarterly revenue reached 882.81M, representing a year-over-year increase of 40.27%, while its net profit experienced a year-over-year increase of 161.65%.
Score
Financials
8.02
Key Metrics
Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.
Quality of Earnings
2.57
Operational Efficiency
3.03
Growth Potential
9.42
Shareholder Returns
4.95
PennyMac Financial Services Inc's Company Valuation
Currency: USD Updated: 2025-12-19The current valuation score of PennyMac Financial Services Inc is 7.84, ranking 185/404 in the Banking Services industry. Its current P/E ratio is 13.91, which is 146.13% below the recent high of 34.24 and 55.22% above the recent low of 6.23.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 116/404
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2025-12-19The current earnings forecast score of PennyMac Financial Services Inc is 7.50, ranking 157/404 in the Banking Services industry. The average price target for PennyMac Financial Services Inc is 138.00, with a high of 145.00 and a low of 135.00.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Analyst Rating
Based on
8
analysts
Buy
Current Rating
138.571
Target Price
+7.39%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell
Peer Comparison
304
Total
4
Median
5
Average
Company name
Ratings
Analysts
PennyMac Financial Services Inc
PFSI
8
JPMorgan Chase & Co
JPM
26
Bank of America Corp
BAC
26
Wells Fargo & Co
WFC
26
Regions Financial Corp
RF
25
US Bancorp
USB
25
1
2
3
...
61
Financial Forecasting
EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.
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: 2025-12-19The current price momentum score of PennyMac Financial Services Inc is 8.76, ranking 300/404 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 139.75 and the support level at 127.28, making it suitable for range-bound swing trading.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
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.
Moving Average
Indicators
Value
Direction
MA5
131.628
Buy
MA10
130.894
Buy
MA20
131.523
Buy
MA50
127.618
Buy
MA100
120.603
Buy
MA200
109.215
Buy
Institutional Confidence
Currency: USD Updated: 2025-12-19The current institutional shareholding score of PennyMac Financial Services Inc is 5.00, ranking 157/404 in the Banking Services industry. The latest institutional shareholding proportion is 60.08%, representing a quarter-over-quarter decrease of 38.32%. The largest institutional shareholder is The Vanguard, holding a total of 2.81M shares, representing 5.40% of shares outstanding, with 2.42% decrease in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Shareholder Activity
Name
Shares Held
Chg %
HC Partners LLC
MFN Partners Management LP
T. Rowe Price Investment Management, Inc.
Fidelity Management & Research Company LLC
BlackRock Institutional Trust Company, N.A.
Dimensional Fund Advisors, L.P.
Invesco Advisers, Inc.
State Street Investment Management (US)
Geode Capital Management, L.L.C.
1
2
Risk Assessment
Currency: USD Updated: 2025-12-19The current risk assessment score of PennyMac Financial Services Inc is 8.55, ranking 57/404 in the Banking Services industry. The company's beta value is 1.56. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.
Score
Beta vs S&P 500 index
1.56
VaR
+3.08%
240-Day Maximum Drawdown
+22.24%
240-Day Volatility
+36.11%
Return
Best Daily Return
60 days
+7.16%
120 days
+7.16%
5 years
+16.86%
Worst Daily Return
60 days
-3.91%
120 days
-7.38%
5 years
-8.82%
Sharpe Ratio
60 days
+1.40
120 days
+2.18
5 years
+0.65
Risk Assessment
Maximum Drawdown
240 days
+22.24%
3 years
+23.42%
5 years
+43.70%
Return-to-Drawdown Ratio
240 days
+1.56
3 years
+1.47
5 years
+0.48
Skewness
240 days
-0.55
3 years
-0.06
5 years
+0.49
Volatility
Realised Volatility
240 days
+36.11%
5 years
+34.72%
Standardised True Range
240 days
+2.29%
5 years
+1.67%
Downside Risk-Adjusted Return
120 days
+353.59%
240 days
+353.59%
Maximum Daily Upside Volatility
60 days
+28.17%
Maximum Daily Downside Volatility
60 days
+22.00%
Liquidity
Average Turnover Rate
60 days
+0.77%
120 days
+0.76%
5 years
--
Turnover Deviation
20 days
+24.17%
60 days
+30.26%
120 days
+28.82%
Peer Comparison
Banking Services
PennyMac Financial Services Inc
PFSI
7.18 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
EWBC
8.87 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AER
8.86 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
CFG
8.83 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Credicorp Ltd
BAP
8.81 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
WTFC
8.72 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
View more
FAQs
How does TradingKey generate the Stock Score of PennyMac Financial Services Inc?
The TradingKey Stock Score provides a comprehensive assessment of PennyMac Financial Services Inc based on 34 indicators derived from over 100 underlying data points. These indicators are categorised into six key dimensions: financial health, company profile, earnings forecasts, price momentum, institutional confidence, and risk assessment, collectively providing investors with a thorough analysis of PennyMac Financial Services Inc’s performance and outlook.
How do we generate the financial health score of PennyMac Financial Services Inc?
To generate the financial health score of PennyMac Financial Services Inc, we analyse various key financial indicators across several core dimensions, including financial fundamentals, earnings quality, operational efficiency, growth potential, and shareholder returns. By integrating these comprehensive data, the financial health score not only reflects PennyMac Financial Services Inc's overall stability, operational efficiency, and growth potential but also captures the investment returns delivered to shareholders. This score aims to support rational decision-making for investors and other stakeholders. A higher score indicates a better financial health of PennyMac Financial Services Inc.
How do we generate the company valuation score of PennyMac Financial Services Inc?
To generate the company valuation score of PennyMac Financial Services Inc, we use several key financial ratios, including P/E, P/B, P/S, and P/CF. These metrics compare PennyMac Financial Services Inc’s market value to its earnings, assets, sales, and cash flow, serving as core indicators for assessing company value. By analysing these ratios in an all-round manner, the valuation score reflects not only the market’s current perception of PennyMac Financial Services Inc’s value but also its future profitability and growth potential, thereby supporting more informed investment decisions. A higher score indicates a fairer valuation of PennyMac Financial Services Inc.
How do we generate the earnings forecast score of PennyMac Financial Services Inc?
To calculate the earnings forecast score of PennyMac Financial Services Inc, we consider various key indicators such as analyst ratings, financial forecasts, support and resistance levels, and peer comparisons:Current ratings and price targets directly reflect analysts’ expectations, while the upside space indicates their views on the stock’s growth potential.Financial metrics like earnings per share (EPS), revenue, net income, and earnings before interest and taxes (EBIT) are core measures for assessing profitability.By analysing the high, median, and low ranges of the target price, we can identify price trends and determine key support and resistance levels.Comparing these indicators against peers provides context for the stock’s performance and helps
anchor more realistic expectations.These factors together form a comprehensive earnings forecast score that accurately reflects the stock’s expected financial performance and growth potential. A higher score suggests that analysts have a more optimistic outlook on PennyMac Financial Services Inc’s future.
How do we generate the price momentum score of PennyMac Financial Services Inc?
When generating the price momentum score for PennyMac Financial Services Inc, we examine momentum indicators including support and resistance levels as well as volume metrics.Support levels represent price points where buying interest is strong enough to prevent further declines, while resistance levels indicate prices where selling pressure may hinder upward movement. By analysing typical price volume alongside total volume, we assess overall market activity and liquidity. These indicators help identify price trends and potential shifts, enabling more accurate predictions of future earnings.This comprehensive approach can reflect market sentiment and enable rational forecasts of PennyMac Financial Services Inc’s prices. A higher score indicates a more stable short-term price trend for PennyMac Financial Services Inc.
How do we generate the institutional confidence score of PennyMac Financial Services Inc?
To generate the institutional confidence score of PennyMac Financial Services Inc, we analyse both the proportion of shares held by institutions and the number of shares they own. A higher institutional ownership percentage indicates strong confidence of professional investors, which is generally a positive signal about PennyMac Financial Services Inc’s potential. By examining the number of shares held, we gain deeper insight into institutions’ commitment and attitude toward the stock, as institutional investors typically conduct thorough analysis before making investment decisions. Understanding institutional confidence helps us refine earnings forecasts and provides a more reliable perspective on the company’s future performance and market stability. A higher score indicates greater institutional endorsement of PennyMac Financial Services Inc.
How do we generate the risk management score of PennyMac Financial Services Inc?
To assess the risk management score of PennyMac Financial Services Inc, we examine multiple key indicators related to returns, risk, volatility, and liquidity.The highest and lowest daily returns reflect the potential size of gains and losses, while the Sharpe ratio measures risk-adjusted return performance. On the risk side, we analyse maximum drawdown and the return-to-drawdown ratio to identify extreme loss scenarios. Skewness helps assess the distribution of returns and whether performance may be biased. Volatility indicators—such as realised volatility and standardised true range—reveal price fluctuations. Downside risk-adjusted returns provide insight into potential losses and gains. Lastly, liquidity metrics like average turnover rate and turnover deviation indicate how actively the stock is traded.These indicators together provide a multi-dimensional understanding of PennyMac Financial Services Inc’s risk-return profile, serving as core factors of the risk management score. A higher score indicates lower risk on the side of PennyMac Financial Services Inc.
