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PFSI Stock Chart & Stats
$94.57
-$0.29(-0.29%)
At close: 4:00 PM EST
$94.57
-$0.29(-0.29%)
Day’s Range― - ―
52-Week Range$77.67 - $160.36
Previous CloseN/A
Volume43.44K
Average Volume (3M)573.01K
Market Cap
$4.28B
Enterprise Value$21.20B
Total Cash (Recent Filing)$653.73M
Total Debt (Recent Filing)$17.20B
Price to Earnings (P/E)8.4
Beta0.54
Next Earnings
Jul 28, 2026EPS Estimate
2.31Next Dividend Ex-DateN/A
Dividend Yield0.9%
Share Statistics
EPS (TTM)9.78
Shares Outstanding51,924,873
10 Day Avg. Volume587,720
30 Day Avg. Volume573,013
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 Cap4.96
Enterprise Value/Revenue5.98
Enterprise Value/Gross Profit8.49
Enterprise Value/Ebitda19.74
Forecast
1Y Price Target
$102.00Price Target Upside7.86% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)10.04
Revenue Forecast (FY)$2.42B
Bulls Say, Bears Say
Bulls Say
Servicing Scale & Recurring FeesA $720B servicing portfolio and 3.1 bps pretax servicing income create a large, recurring fee base that cushions origination cyclicality. Scale supports stable cash economics, potential cross-sell, and operational leverage as cost-to-serve improvements are realized over the medium term.
Diversified, Profitable ProductionStrong production pretax results across consumer, broker and correspondent channels reflect diversified origination capability. New product traction (non-QM) and improving recapture metrics underpin durable gain-on-sale and fee opportunities even as volumes fluctuate.
Tech-driven Efficiency GainsCompleted new origination system and AI deployments that materially reduced direct consumer costs versus 2022. Management expects tech benefits to lift ROE in H2 2026 and reduce servicing costs over 24–36 months, indicating sustainable structural efficiency gains.
Bears Say
High LeverageElevated leverage (around 4.0x) increases sensitivity to mortgage-cycle stress and interest-rate moves, constraining strategic flexibility. High debt levels can amplify losses during adverse hedging or MSR valuation swings and limit capacity for opportunistic balance-sheet actions.
Weak Cash ConversionPersistent negative operating and free cash flow despite reported profitability indicates earnings are not consistently converting to cash. This raises reliance on funding markets, limits internal capital for buybacks/dividends, and creates vulnerability in tighter funding environments.
Hedge & MSR Valuation VolatilityLarge mark-to-market hedge losses and MSR valuation swings show material earnings sensitivity to rate volatility. Such structural volatility complicates planning, can erode GAAP results, and requires active hedging that still leaves residual earnings and capital risk through rate cycles.
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 $77.67 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 $4.28B.
When is PennyMac Financial Services’s upcoming earnings report date?
PennyMac Financial Services’s upcoming earnings report date is Jul 28, 2026 which is in 15 days.
How were PennyMac Financial Services’s earnings last quarter?
PennyMac Financial Services released its earnings results on May 05, 2026. The company reported $1.53 earnings per share for the quarter, missing the consensus estimate of $2.265 by -$0.735.
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 0.9%. See more information on PennyMac Financial Services dividends here
What is PennyMac Financial Services’s EPS estimate?
PennyMac Financial Services’s EPS estimate is 2.31.
How many shares outstanding does PennyMac Financial Services have?
PennyMac Financial Services has 51,924,873 shares outstanding.
What happened to PennyMac Financial Services’s price movement after its last earnings report?
PennyMac Financial Services reported an EPS of $1.53 in its last earnings report, missing expectations of $2.265. Following the earnings report the stock price went down -0.468%.
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
1
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5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$102.00 (7.86% Upside)
$102.00 (7.86% Upside)
Blogger Sentiment
Bullish
PFSI Sentiment 70%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 1.2M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.2%
Last 30 Days ▼ 4.1%
Last 30 Days ▼ 4.1%
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-17.67%
12-Months-Change
Fundamentals
Return on Equity
12.02%
Trailing 12-Months
Asset Growth
33.81%
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
Q1 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
$102.00
▲(7.86% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
12.67% Insiders
18.55% Mutual Funds
0.03% Other Institutional Investors
57.08% Public Companies and
Individual Investors









