Stock Scorecard
Stock Summary for PennyMac Financial Services Inc (PFSI) - $82.41 as of 6/15/2026 8:48:36 PM EST
Total Score
14 out of 30
Safety Score
68 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for PFSI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for PFSI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for PFSI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for PFSI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for PFSI (68 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 9 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 4 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for PFSI
Financial Details for PFSI
Company Overview |
|
|---|---|
| Ticker | PFSI |
| Company Name | PennyMac Financial Services Inc |
| Country | USA |
| Description | PennyMac Financial Services, Inc. is engaged in investment management and mortgage banking activities in the United States. The company is headquartered in Westlake Village, California. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | MORTGAGE FINANCE |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | 7/28/2026 |
Stock Price History |
|
| Last Day Price | 82.41 |
| Price 4 Years Ago | 54.44 |
| Last Day Price Updated | 6/15/2026 8:48:36 PM EST |
| Last Day Volume | 472,736 |
| Average Daily Volume | 566,241 |
| 52-Week High | 159.27 |
| 52-Week Low | 77.67 |
| Last Price to 52 Week Low | 6.10% |
Valuation Measures |
|
| Trailing PE | 8.57 |
| Industry PE | 13.39 |
| Sector PE | 16.73 |
| 5-Year Average PE | 16.17 |
| Free Cash Flow Ratio | 19.48 |
| Industry Free Cash Flow Ratio | 9.54 |
| Sector Free Cash Flow Ratio | 40.69 |
| Current Ratio Most Recent Quarter | 0.08 |
| Total Cash Per Share | 4.23 |
| Book Value Per Share Most Recent Quarter | 83.31 |
| Price to Book Ratio | 0.96 |
| Industry Price to Book Ratio | 0.77 |
| Sector Price to Book Ratio | 1.79 |
| Price to Sales Ratio Twelve Trailing Months | 1.26 |
| Industry Price to Sales Ratio Twelve Trailing Months | 7.32 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.43 |
| Analyst Buy Ratings | 3 |
| Analyst Strong Buy Ratings | 3 |
Share Statistics |
|
| Total Shares Outstanding | 51,925,000 |
| Market Capitalization | 4,279,139,250 |
| Institutional Ownership | 66.84% |
Dividends |
|
| Ex-Dividend Date | 5/18/2026 |
| Previous Dividend Amount | 0.3000 |
| Current Dividend Amount | 0.3000 |
| Total Years Dividend Increasing | 2 |
| Trailing Annual Dividend Rate | 1.20 |
| Trailing Annual Dividend Yield | 1.49% |
| Forward Annual Dividend Rate | 1.20 |
| Forward Annual Dividend Yield | 1.49% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.92% |
| 5-Year Average Dividend Yield | 1.08% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 10.67% |
| All-Time Dividend Growth Rate Percentage | 17.32% |
| Dividend Payout Ratio | 12.75% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 7.70% |
| Annual Earnings Growth | 60.90% |
| Reported EPS 12 Trailing Months | 9.41 |
| Reported EPS Past Year | 2.19 |
| Reported EPS Prior Year | 12.44 |
| Net Income Twelve Trailing Months | 507,119,000 |
| Net Income Past Year | 501,077,000 |
| Net Income Prior Year | 311,423,000 |
| Quarterly Revenue Growth YOY | -16.60% |
| 5-Year Revenue Growth | 2.00% |
| Operating Margin Twelve Trailing Months | 14.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 219,513,000 |
| Total Cash Past Year | 301,680,000 |
| Total Cash Prior Year | 238,482,000 |
| Net Cash Position Most Recent Quarter | -15,328,328,000 |
| Net Cash Position Past Year | -13,964,073,000 |
| Long Term Debt Past Year | 14,265,753,000 |
| Long Term Debt Prior Year | 11,868,371,000 |
| Total Debt Most Recent Quarter | 15,547,841,000 |
| Equity to Debt Ratio Past Year | 0.23 |
| Equity to Debt Ratio Most Recent Quarter | 0.22 |
| Total Stockholder Equity Past Year | 4,308,976,000 |
| Total Stockholder Equity Prior Year | 3,829,651,000 |
| Total Stockholder Equity Most Recent Quarter | 4,325,759,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -3,734,404,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -71.92 |
| Free Cash Flow Past Year | -1,411,827,000 |
| Free Cash Flow Prior Year | -4,555,367,000 |
Options |
|
| Put/Call Ratio | 0.94 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 64.26 |
| 20-Day Bollinger Middle Band | 92.17 |
| 20-Day Bollinger Upper Band | 120.07 |
| Beta | 1.44 |
| RSI | 33.81 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 96.10 |
| 200-Day SMA | 86.21 |
System |
|
| Modified | 6/13/2026 6:03:39 AM EST |