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PFSI Stock Chart & Stats
$84.35
$1.74(2.11%)
At close: 4:00 PM EDT
$84.35
$1.74(2.11%)
Day’s Range― - ―
52-Week Range$71.68 - $160.36
Previous CloseN/A
Volume319.43K
Average Volume (3M)504.55K
Market Cap
$3.93B
Enterprise Value$19.39K
Total Cash (Recent Filing)$748.00M
Total Debt (Recent Filing)$23.68B
Price to Earnings (P/E)9.9
Beta0.53
Next Earnings
Oct 22, 2026EPS Estimate
1.66Next Dividend Ex-DateN/A
Dividend Yield1.6%
Share Statistics
EPS (TTM)7.56
Shares Outstanding51,951,572
10 Day Avg. Volume416,429
30 Day Avg. Volume504,546
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)1.58
Price to Sales (P/S)1.56
P/FCF Ratio-4.83
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$91.33Price Target Upside8.28% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)9.27
Revenue Forecast (FY)$2.36B
Bulls Say, Bears Say
Bulls Say
Servicing Scale & EconomicsA very large servicing portfolio (UPB ~$720B) provides durable, recurring fee income and scale advantages in loss absorption and operational leverage. Improved servicing pretax performance (3.1 bps) and targeted cost-to-serve reductions support persistent margin resilience across rate cycles and underwriting environments.
Technology TransformationA multiyear push to embed AI and modernize origination/servicing (AWS partnership, AI virtual assistants, new origination platform) should structurally lower costs and increase borrower recapture. Technology scale and board-level AI expertise support sustainable efficiency gains and improved unit economics over 12–36 months.
Profitability & Revenue MomentumSolid underlying profitability and recent revenue re-acceleration indicate the core mortgage production and servicing businesses remain economically productive. Strong operating margins point to durable earnings power when origination volumes recover and MSR economics normalize, supporting sustained return generation.
Bears Say
High LeverageElevated leverage materially increases sensitivity to funding costs and market dislocations, constraining strategic flexibility. High debt levels limit capacity for organic investment or opportunistic buying during downturns and raise refinancing and liquidity risk if funding markets tighten over the next several quarters.
Weak Cash GenerationPersistent negative OCF and FCF despite reported profits indicate balance-sheet and working-capital stress. Ongoing cash outflows erode liquidity buffers, increase dependence on external funding for capital returns or acquisitions, and reduce resilience to cyclical originations swings.
Hedge & Valuation VolatilityLarge mark-to-market hedge losses and MSR valuation swings introduce recurring earnings and capital volatility. This undermines predictability of reported results and complicates capital planning, as macro-driven hedge and MSR FV moves can quickly offset operational gains and pressure regulatory or funding metrics.
PennyMac Financial News
PFSI FAQ
What was PennyMac Financial Services’s price range in the past 12 months?
PennyMac Financial Services lowest stock price was $71.67 and its highest was $160.36 in the past 12 months.
What is PennyMac Financial Services’s market cap?
PennyMac Financial Services’s market cap is $3.93B.
When is PennyMac Financial Services’s upcoming earnings report date?
PennyMac Financial Services’s upcoming earnings report date is Oct 22, 2026 which is in 61 days.
How were PennyMac Financial Services’s earnings last quarter?
PennyMac Financial Services released its earnings results on Jul 29, 2026. The company reported $0.41 earnings per share for the quarter, missing the consensus estimate of $2.114 by -$1.704.
Is PennyMac Financial Services overvalued?
According to Wall Street analysts PennyMac Financial Services’s price is currently Undervalued.
Does PennyMac Financial Services pay dividends?
PennyMac Financial Services pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 1.6%. See more information on PennyMac Financial Services dividends here
What is PennyMac Financial Services’s EPS estimate?
PennyMac Financial Services’s EPS estimate is 1.66.
How many shares outstanding does PennyMac Financial Services have?
PennyMac Financial Services has 51,951,572 shares outstanding.
What happened to PennyMac Financial Services’s price movement after its last earnings report?
PennyMac Financial Services reported an EPS of $0.41 in its last earnings report, missing expectations of $2.114. Following the earnings report the stock price went down -11.82%.
Which hedge fund is a major shareholder of PennyMac Financial Services?
Currently, no hedge funds are holding shares in PFSI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
PennyMac Financial Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$91.33 (8.28% Upside)
$91.33 (8.28% Upside)
Blogger Sentiment
Bullish
PFSI Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 42.8K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 6.3%
Last 30 Days ▼ 13.4%
Last 30 Days ▼ 13.4%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-8.45%
12-Months-Change
Fundamentals
Return on Equity
1.60%
Trailing 12-Months
Asset Growth
23.27%
Trailing 12-Months
Company Description
PennyMac Financial Services
PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States. The company's operations are structured into three primary divisions: Production, Servicing, and Investment Management. The Production segment focuses on the creation, acquisition, and subsequent sale of loans. Its primary involvement is with first-lien residential mortgage loans, encompassing both conventional products and those insured or guaranteed by the government. The Servicing segment is responsible for the administration of newly originated loans, in addition to managing early buyout transactions and providing servicing for other loan portfolios. This involves a broad range of activities, such as general loan administration, payment collection, and managing defaults. Specific duties include processing loan payments, addressing customer inquiries, meticulously accounting for principal and interest, holding custodial funds for property taxes and insurance premiums, providing guidance to delinquent borrowers, and supervising foreclosure processes and property dispositions. Furthermore, this segment implements loss mitigation strategies, including loan modification and forbearance programs. The Investment Management segment's core functions include identifying potential investment assets, conducting thorough due diligence, submitting bids, and finalizing acquisitions. It also oversees the correspondent production operations for PennyMac Mortgage Investment Trust and manages the acquired asset base. PennyMac Financial Services, Inc. was established in 2008 and maintains its headquarters in Westlake Village, California.
PFSI Company Deck
PFSI Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a generally constructive operational story: strong adjusted earnings, production pretax income at multi-year highs, improving consumer direct recapture, clear technology-driven efficiency gains and disciplined capital returns (buybacks/dividend). Offsetting items include notable hedge and valuation-related losses, sequential declines in origination and lock volumes, elevated leverage and a lowered near-term ROE guide due to accelerated tech investment and softer market activity. Management emphasizes long-term targets (high-teens to low-20s ROE), expects technology benefits to materialize in H2 2026, and is actively managing leverage and MSR positioning.View all PFSI earnings summariesPFSI Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$91.33
▲(8.28% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
12.61% Insiders
18.54% Mutual Funds
29.60% Other Institutional Investors
27.50% Public Companies and
Individual Investors








