PennyMac Financial Services Inc.
PFSI | NYSE
$64.21
+$1.29 (+2.05%)
Nov 2, 2026, 10:31 AM ET · Market open
Market Data
Market Cap $3.34B
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 3.6%
Price Change 3M -16.0%
Price Change 6M -28.6%
Price Change YTD -51.3%
Price Change 1Y -49.4%
Price Change 3Y -11.5%
Price Change 5Y -1.2%
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
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