PennyMac Financial Services Inc.

PFSI | NYSE

Price Alert Chart Builder DCF Calculator

$62.92

-$1.49 (-2.31%)

At close: Oct 30, 2026, 4:00 PM ET

$62.92

$0.00 (0.00%)

Pre-market: Nov 2, 2026, 8:24 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $3.27B

Enterprise Value $17.35B

Beta 1.45

Average Volume 611.29K

Shares Outstanding (Diluted) 53.1M

Shares Change YoY -1.45%

Institutional Ownership 65.43%

Exchange NYSE

ISIN US70932M1071

Price Performance

Price Change 1M 1.9%

Price Change 3M -16.6%

Price Change 6M -31.7%

Price Change YTD -52.3%

Price Change 1Y -50.0%

Price Change 3Y -6.4%

Price Change 5Y 1.4%

1M CAGR (ann.) -5.2%

1Y CAGR (ann.) -49.5%

5Y CAGR (ann.) 0.1%

All-Time CAGR 15.2%

Valuation

PE Ratio 14.14

Forward PE 8.28

PEG Ratio -0.26

Forward PEG -0.25

PS Ratio 0.70

Forward PS 1.60

PB Ratio 0.75

P/FCF Ratio -2.11

P/Adj. FCF Ratio -2.08

P/OCF Ratio -2.14

EV/Sales 3.72

EV/EBIT 30.63

EV/EBITDA 27.97

EV/FCF -11.20

Earnings Yield 7.1%

FCF Yield -47.4%

Adj. FCF Yield -48.2%

Financial Health

Net Debt $14.09B

Total Debt $15.25B

Cash & Short-Term Investments $1.16B

Total Assets $29.91B

Current Ratio 0.95

Quick Ratio 0.95

Debt / Equity Ratio 3.50

Debt / EBITDA 24.57

Debt / FCF -9.84

OCF / Debt -0.10

Interest Coverage 1.40

Altman Z-Score 0.26

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 66.7%

Operating Profit Margin 7.7%

EBITDA Margin 13.3%

Net Profit Margin 5.1%

FCF Margin -33.2%

Adj. FCF Margin -33.8%

SBC / Revenue 0.5%

SBC Impact (per share) -1.6%

Returns

Return on Assets 0.8%

Return on Equity 5.5%

Return on Invested Capital 1.3%

Return on Capital Employed 3.0%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 27.6%

Revenue CAGR 5Y 13.0%

Revenue CAGR 10Y 17.6%

EPS CAGR 3Y 2.3%

EPS CAGR 5Y -24.3%

EPS CAGR 10Y 5.8%

FCF CAGR 3Y 29.9%

FCF CAGR 5Y -5156.1%

FCF CAGR 10Y -11.2%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 6

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Feb 4, 2027

EPS Estimate (next Q) $1.26

EPS Growth Est (next Q) -36.0%

Revenue Est (next Q) $473.72M

Revenue Growth Est (next Q) -11.9%

Fair Value Estimates

Graham Number $91.59

Graham Upside 45.6%

Lynch Fair Value $22.25

Lynch Upside -64.6%

Price Target $81.00

Price Target Upside 28.7%

Cash Flow

Operating Cash Flow $-1.53B

Free Cash Flow $-1.55B

Adj. Free Cash Flow $-1.57B

FCF Per Share -$29.81

OCF Per Share -$29.35

OCF/S Ratio -32.7%

Income Statement

Revenue $4.67B

Gross Profit $3.11B

Operating Income $356.68M

EBITDA $620.47M

Net Income $239.88M

EPS (Diluted) $4.45

Revenue / Employee $890.12K

Profit / Employee $45.77K

Employees 5,241

Dividends

Annual Dividend $1.20

Dividend Yield 1.91%

Payout Ratio 27.0%

FCF Payout Ratio -4.1%

Adj. FCF Payout Ratio -4.0%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Nov 16, 2026