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PennyMac Financial Services, Inc. PFSI
Financial Services - Financial - Mortgages - NYSE - US
Watchlist
$ 103.69
0.787 %
$ 5.33 B
Market Cap
17.76
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one PFSI stock under the worst case scenario is HIDDEN Compared to the current market price of 104 USD, PennyMac Financial Services, Inc. is HIDDEN

PFSI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one PFSI stock under the base case scenario is HIDDEN Compared to the current market price of 104 USD, PennyMac Financial Services, Inc. is HIDDEN

PFSI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one PFSI stock under the best case scenario is HIDDEN Compared to the current market price of 104 USD, PennyMac Financial Services, Inc. is HIDDEN

PFSI Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart PFSI

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1M 2%
6M -6%
1Y 18%
3Y 128%
5Y 359%
All
$116.0$116.0$114.0$114.0$112.0$112.0$110.0$110.0$108.0$108.0$106.0$106.0$104.0$104.0$102.0$102.0$100.0$100.0$98.0$98.0$96.0$96.0$94.0$94.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.59 B REVENUE
-21.84%
Growth Rates
1Year -21.84%
3Years -26.26%
5Years -1.15%
7Years 5.44%
10Years 11.11%
901 M OPERATING INCOME
-12.33%
Growth Rates
1Year -12.33%
3Years -11.87%
5Years 67.84%
7Years 15.14%
10Years 14.98%
311 M NET INCOME
115.29%
Growth Rates
1Year 115.29%
3Years -32.30%
5Years -4.54%
7Years -0.00%
10Years 4.72%
-4.53 B OPERATING CASH FLOW
-186.51%
Growth Rates
1Year -186.51%
3Years -40.42%
5Years -15.09%
7Years -26.31%
10Years -22.85%
-1.89 B INVESTING CASH FLOW
-590.83%
Growth Rates
1Year -590.83%
3Years -83.74%
5Years -68.76%
7Years -27.79%
10Years -75.72%
5.72 B FINANCING CASH FLOW
290.44%
Growth Rates
1Year 290.44%
3Years 63.04%
5Years 21.86%
7Years 25.59%
10Years 24.93%
470 M REVENUE
14.15%
Growth Rates
1Year -21.84%
3Years -26.26%
5Years -1.15%
7Years 5.44%
10Years 11.11%
279 M OPERATING INCOME
28.14%
Growth Rates
1Year -12.33%
3Years -11.87%
5Years 67.84%
7Years 15.14%
10Years 14.98%
104 M NET INCOME
50.63%
Growth Rates
1Year 115.29%
3Years -32.30%
5Years -4.54%
7Years -0.00%
10Years 4.72%
-2.15 B OPERATING CASH FLOW
-483.90%
Growth Rates
1Year -186.51%
3Years -40.42%
5Years -15.09%
7Years -26.31%
10Years -22.85%
-128 M INVESTING CASH FLOW
72.04%
Growth Rates
1Year -590.83%
3Years -83.74%
5Years -68.76%
7Years -27.79%
10Years -75.72%
2.37 B FINANCING CASH FLOW
1192.19%
Growth Rates
1Year 290.44%
3Years 63.04%
5Years 21.86%
7Years 25.59%
10Years 24.93%
Balance Sheet PennyMac Financial Services, Inc.
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Current Assets 16.1 B
Cash & Short-Term Investments 659 M
Receivables 14.5 B
Other Current Assets 919 M
Non-Current Assets 9.97 B
Long-Term Investments 944 K
PP&E 49.5 M
Other Non-Current Assets 9.92 B
55.73 %3.52 %38.02 %Total Assets$26.1b
Current Liabilities 10.3 B
Accounts Payable 477 M
Short-Term Debt 8.69 B
Other Current Liabilities 1.16 B
Non-Current Liabilities 11.9 B
Long-Term Debt 11.9 B
Other Non-Current Liabilities 70 M
39.02 %5.20 %53.32 %Total Liabilities$22.3b
EFFICIENCY
Earnings Waterfall PennyMac Financial Services, Inc.
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Revenue 1.59 B
Cost Of Revenue 38 M
Gross Profit 1.56 B
Operating Expenses 655 M
Operating Income 901 M
Other Expenses 590 M
Net Income 311 M
2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m002b(38m)2b(655m)901m(590m)311mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
97.62% GROSS MARGIN
97.62%
Averages
1Year 97.62%
3Years 75.52%
5Years 70.65%
7Years 61.58%
10Years 56.44%
56.54% OPERATING MARGIN
56.54%
Averages
1Year 56.54%
3Years 46.07%
5Years 42.34%
7Years 32.96%
10Years 33.39%
19.54% NET MARGIN
19.54%
Averages
1Year 19.54%
3Years 16.94%
5Years 21.25%
7Years 19.61%
10Years 15.88%
8.13% ROE
8.13%
Averages
1Year 8.13%
3Years 8.64%
5Years 20.77%
7Years 18.32%
10Years 18.62%
1.19% ROA
1.19%
Averages
1Year 1.19%
3Years 1.60%
5Years 3.07%
7Years 2.91%
10Years 2.44%
2.86% ROIC
2.86%
Averages
1Year 2.86%
3Years 3.47%
5Years 4.26%
7Years 3.48%
10Years 4.57%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis PennyMac Financial Services, Inc.
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6b6b4b4b2b2b00(2b)(2b)(4b)(4b)(6b)(6b)(8b)(8b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 311 M
Depreciation & Amortization 69.7 M
Capital Expenditures -22.1 M
Stock-Based Compensation 20.9 M
Change in Working Capital -210 M
Others -4.85 B
Free Cash Flow -4.56 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets PennyMac Financial Services, Inc.
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Wall Street analysts predict an average 1-year price target for PFSI of $119 , with forecasts ranging from a low of $112 to a high of $125 .
PFSI Lowest Price Target Wall Street Target
112 USD 8.01%
PFSI Average Price Target Wall Street Target
119 USD 15.01%
PFSI Highest Price Target Wall Street Target
125 USD 20.55%
Price
Max Price Target
Min Price Target
Average Price Target
1251251201201151151101101051051001009595909085858080May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26
4. DIVIDEND ANALYSIS
0.30% DIVIDEND YIELD
0.3 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.001.000.900.900.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.120.20.20.20.20.30.120.20.20.20.20.40.150.20.20.20.30.120.760.150.700.20.800.20.800.20.800.30.900.000.002018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 5
6. Ownership
Insider Ownership PennyMac Financial Services, Inc.
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Sold
0-3 MONTHS
5.22 M USD 6
3-6 MONTHS
17.9 M USD 4
6-9 MONTHS
10.5 M USD 6
9-12 MONTHS
8.03 M USD 4
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Pennymac Hires Isaac Boltansky as Managing Director, Head of Public Policy WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--PennyMac Financial Services, Inc. (NYSE: PFSI) (Pennymac), one of the largest publicly-traded residential mortgage companies in the country, today announced the appointment of Isaac Boltansky as Managing Director, Head of Public Policy. "Pennymac is pleased to welcome Isaac to our strong team of industry professionals. In moments of industry transformation, it is critical to have leaders who understand the ecosystem with the expertise to shape the futu. businesswire.com - 3 weeks ago
Pennymac Debuts New “Bring It Home” Video Series to Support the Aspiration of Homeownership WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--PennyMac Financial Services, Inc. (NYSE: PFSI) (Pennymac) announced today the launch of “Bring It Home,” a new video series where home loan experts from Pennymac share valuable industry insights to help consumers make informed decisions throughout their homeownership journey. “We assembled some of Pennymac's most experienced mortgage professionals to share their expertise in our ‘Bring It Home' series,” said Doug Jones, President and Chief Mortgage Ban. businesswire.com - 1 month ago
3 Mortgage & Related Services Stocks to Watch Despite Industry Woes While volatile mortgage rates and declining purchase originations will likely hurt the Zacks Mortgage & Related Services industry, companies like PFSI, TREE and FOA are well-poised to navigate the challenges. zacks.com - 1 month ago
PennyMac Financial Services, Inc. Announces Upsizing and Pricing of Private Offering of $850 Million of Senior Notes WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--PennyMac Financial Services, Inc. (NYSE: PFSI) and its subsidiaries (the “Company”) today announced the pricing of its previously announced offering of $850 million aggregate principal amount of 6.875% Senior Notes due 2033 (the “Notes”). The offering size was increased from the previously announced offering size of $650 million aggregate principal amount of Notes. The Notes will bear interest at 6.875% per annum and will mature on February 15, 2033. I. businesswire.com - 2 months ago
PennyMac Financial Services, Inc. (PFSI) Q4 2024 Earnings Call Transcript PennyMac Financial Services, Inc. (NYSE:PFSI ) Q4 2024 Earnings Conference Call January 30, 2025 5:00 PM ET Company Participants David Spector - Chairman and CEO Dan Perotti - Chief Financial Officer Conference Call Participants Doug Harter - UBS Michael Kaye - Wells Fargo Terry Ma - Barclays Crispin Love - Piper Sandler Mark DeVries - Deutsche Bank Ryan Shelley - Bank of America Derek Sommers - Jefferies Bose George - KBW Operator Good afternoon. And welcome to PennyMac Financial Services, Inc. Fourth Quarter 2024 Earnings Call. seekingalpha.com - 2 months ago
Here's What Key Metrics Tell Us About PennyMac (PFSI) Q4 Earnings Although the revenue and EPS for PennyMac (PFSI) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
PennyMac Financial (PFSI) Q4 Earnings and Revenues Lag Estimates PennyMac Financial (PFSI) came out with quarterly earnings of $2.88 per share, missing the Zacks Consensus Estimate of $3.05 per share. This compares to earnings of $1.76 per share a year ago. zacks.com - 2 months ago
Will PennyMac (PFSI) Beat Estimates Again in Its Next Earnings Report? PennyMac (PFSI) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report. zacks.com - 2 months ago
Is the Options Market Predicting a Spike in PennyMac Financial (PFSI) Stock? Investors need to pay close attention to PennyMac Financial (PFSI) stock based on the movements in the options market lately. zacks.com - 3 months ago
Momentum Alert: Top Financial Stocks Soar (PFSI, NTRS) The financial sector has quietly emerged as one of the market's top-performing areas, with several standout stocks offering particularly compelling setups. A mix of higher interest rates, strong economic growth and fair valuations have made financial services stocks popular additions to investors' portfolios. zacks.com - 4 months ago
Zacks Industry Outlook PennyMac Financial, Lending Tree and Onity Group PennyMac Financial, Lending Tree and Onity Group have been highlighted in this Screen of The Week article. zacks.com - 4 months ago
3 Stocks to Buy From Prospering Mortgage & Related Services Industry Declining mortgage rates and interest rate cuts paint a favorable picture for the Zacks Mortgage & Related Services industry. Industry players like PFSI, TREE and ONIT are poised to flourish. zacks.com - 4 months ago
8. Profile Summary

PennyMac Financial Services, Inc. PFSI

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COUNTRY US
INDUSTRY Financial - Mortgages
MARKET CAP $ 5.33 B
Dividend Yield 0.30%
Description PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. It operates through three segments: Production, Servicing, and Investment Management. The Production segment is involved in the origination, acquisition, and sale of loans. It sources first-lien residential conventional and government-insured or guaranteed mortgage loans. The Servicing segment engages in the servicing of newly originated loans, and execution and management of early buyout transactions and servicing of loans. It performs loan administration, collection, and default management activities, including the collection and remittance of loan payments, response to customer inquiries, accounting for principal and interest, holding custodial funds for the payment of property taxes and insurance premiums, counseling delinquent borrowers, and supervising foreclosures and property dispositions, as well as administers loss mitigation activities, such as modification and forbearance programs. The Investment Management segment is involved in sourcing, performing diligence, bidding, and closing investment asset acquisitions; managing correspondent production activities for PennyMac Mortgage Investment Trust; and managing acquired assets. PennyMac Financial Services, Inc. was founded in 2008 and is headquartered in Westlake Village, California.
Contact 3043 Townsgate Road, Westlake Village, CA, 91361 https://ir.pennymacfinancial.com
IPO Date May 9, 2013
Employees 4455
Officers Mr. James Follette Senior MD & Chief Digital Officer Mr. Derek W. Stark J.D. Senior MD, Chief Legal Officer & Secretary Mr. Kevin Chamberlain Managing Director of Investor Relations Mr. Douglas Edward Jones President, Chief Mortgage Banking Officer & Director Mr. Mike Hogan Senior MD & Chief Information Officer Ms. Jenny Rhodes Senior MD & Chief Human Resources Officer Mr. Daniel Stanley Perotti Senior MD & Chief Financial Officer Mr. Gregory L. Hendry Chief Accounting Officer Ms. Susan Hallock Smith Senior MD & Chief Marketing Officer Mr. David A. Spector Chief Executive Officer & Chairman