PFSI Financial Services

PennyMac Financial Services, Inc.

$63.90-2.17%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Mortgage Finance
Country: United States
Market cap: 3.3B USD
Full-time employees: 5,543

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Drawback: growing more slowly than most peersgrowing more slowly than peers
About average: profitability

Ranks #401 of 791 banks & insurance companies (bottom 50%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Fast revenue growth. Revenue grew 26% in the 12 months to June 2026 vs the 12 months before, faster than 84% of peers.
Revenue grew 26% in the 12 months to June 2026 vs the 12 months before, faster than 84% of its peers.
More volatile share price. Beta 1.43: tends to move more than the market.
PennyMac Financial Services's shares have swung more with the market than most peers' (beta 1.43, above the market's 1.0).

StockQuotient Score

51/ 100

Oct 5 53 → Nov 4 51 (-2)

Valuation

Is the price right?

82/100

Strong

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why

Stronger than most peers on:

▲ P/B
▲ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield130.6%

SEC filings · latest balance sheetReported value40% base weight · Z-score 1.80Sector median: 0.7950 · MAD: 0.2843

Earnings yield11.8%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 1.55Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield-54.3%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingNegative (a loss or cash outflow), so it counts as zero whatever the share priceInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

27/100

Weak

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 2.4%

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth1.1%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -0.84Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth15.0%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth25.9%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

44/100

Moderate▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: ▼ Weaker

Net margin fell 5.7 points to 17.7%

Why it changed since the Oct 27, 2026 close: Score 45 → 44

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Held back by:

▼ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.3%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.22Sector median: 0.0117 · MAD: 0.0062

Return on equity9.0%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.44Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating margin12.5%

Yahoo Finance fallback · SEC operating income not reported in standard form · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about PennyMac Financial Services

Is PennyMac Financial Services getting weaker?: Its latest SEC filing (Aug 4, 2026) got weaker in some ways: net margin fell 5.7 points to 17.7%. Its overall score is unchanged at 51/100 since Oct 28, 2026.
How is PennyMac Financial Services valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 82/100 against 950 banks & insurance peers. Book yield 130.6% vs a peer median of 79.5% (stronger than 82% of peers).Book yield 130.6% vs peers 79.5% (stronger than 82% of peers).
Is PennyMac Financial Services growing?: More slowly than most of its peers. Growth scores 27/100 against 950 banks & insurance peers. Earnings per share growth 1.1% vs a peer median of 16.0% (weaker than 73% of peers).Earnings per share growth 1.1% vs peers 16.0% (weaker than 73% of peers).
How profitable is PennyMac Financial Services?: About as profitable as its peers. Profitability scores 44/100 against 950 banks & insurance peers. Return on equity 9.0% vs a peer median of 10.7% (weaker than 64% of peers).Return on equity 9.0% vs peers 10.7% (weaker than 64% of peers).
How risky is PennyMac Financial Services?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 4, 2026 · compared with the quarter ended Mar 31, 2026

Got weaker

Net margin fell 5.7 points to 17.7%

	Previous quarter	Latest quarter	Change
Revenue (12 months)	2.2B USD	2.2B USD	+2.4%
Net income (12 months)	507.0M USD	392.3M USD	−22.6%
Free cash flow (12 months)	−4.1B USD	−1.8B USD	−55.8%
Debt	6.2B USD	6.3B USD	+1.6%
Cash	219.5M USD	214.3M USD	−2.4%
Shares outstanding	51.9M	52.0M	+0.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Banks & Insurance · 209 companies

Valuations in Banks & Insurance are within their usual range since 2016.

55% of months since 2016 were valued lower than now.
27% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +25% and earnings +33% (medians): prices and earnings moved broadly together.
Median price-to-book is −57% vs the whole market, against a usual −57%.

2016Shaded: most expensive fifth of its range2026

Shown for Banks & Insurance: too few Mortgage Finance companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	31.7%	23.9%	10.3%	19.5%	24.5%	▲ 4.9 pts
Return on assets (ROA)	5.3%	2.8%	0.8%	1.2%	1.7%	▲ 0.5 pts
Return on equity (ROE)	29.4%	13.7%	4.1%	8.1%	11.6%	▲ 3.5 pts
Debt to equity	0.91×	1.08×	1.25×	1.37×	1.45×	▲ 5.4%

PFSI price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

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PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Drawback: growing more slowly than most peersgrowing more slowly than peers

About average: profitability

Ranks #401 of 791 banks & insurance companies (bottom 50%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Fast revenue growth. Revenue grew 26% in the 12 months to June 2026 vs the 12 months before, faster than 84% of peers.

Revenue grew 26% in the 12 months to June 2026 vs the 12 months before, faster than 84% of its peers.

More volatile share price. Beta 1.43: tends to move more than the market.

PennyMac Financial Services's shares have swung more with the market than most peers' (beta 1.43, above the market's 1.0).

Questions investors ask about PennyMac Financial Services

Is PennyMac Financial Services getting weaker?

Its latest SEC filing (Aug 4, 2026) got weaker in some ways: net margin fell 5.7 points to 17.7%. Its overall score is unchanged at 51/100 since Oct 28, 2026.

How is PennyMac Financial Services valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 82/100 against 950 banks & insurance peers. Book yield 130.6% vs a peer median of 79.5% (stronger than 82% of peers).Book yield 130.6% vs peers 79.5% (stronger than 82% of peers).

Is PennyMac Financial Services growing?

More slowly than most of its peers. Growth scores 27/100 against 950 banks & insurance peers. Earnings per share growth 1.1% vs a peer median of 16.0% (weaker than 73% of peers).Earnings per share growth 1.1% vs peers 16.0% (weaker than 73% of peers).

How profitable is PennyMac Financial Services?

About as profitable as its peers. Profitability scores 44/100 against 950 banks & insurance peers. Return on equity 9.0% vs a peer median of 10.7% (weaker than 64% of peers).Return on equity 9.0% vs peers 10.7% (weaker than 64% of peers).

How risky is PennyMac Financial Services?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

2.2B USD

2.2B USD

+2.4%

Net income (12 months)

507.0M USD

392.3M USD

−22.6%

Free cash flow (12 months)

−4.1B USD

−1.8B USD

−55.8%

Debt

6.2B USD

6.3B USD

+1.6%

Cash

219.5M USD

214.3M USD

−2.4%

Shares outstanding

51.9M

52.0M

+0.1%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

31.7%

23.9%

10.3%

19.5%

24.5%

▲ 4.9 pts

Return on assets (ROA)

5.3%

2.8%

0.8%

1.2%

1.7%

▲ 0.5 pts

Return on equity (ROE)

29.4%

13.7%

4.1%

8.1%

11.6%

▲ 3.5 pts

Debt to equity

0.91×

1.08×

1.25×

1.37×

1.45×

▲ 5.4%