Stock Scorecard
Stock Summary for PennyMac Financial Services Inc (PFSI) - $128.55 as of 10/24/2025 6:07:51 PM EST
Total Score
13 out of 30
Safety Score
65 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
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 (65 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| 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) | 0 |
| 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) | 6 |
| Trading Volume (Max of 10) | 6 |
| Price to Earnings (Max of 10) | 8 |
| 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. (PFSI) is a leading entity in the U.S. mortgage banking and investment management industries, based in Westlake Village, California. The firm excels in sourcing, financing, and managing mortgage loans and related products, serving a diverse clientele that includes both institutional investors and homeowners. Leveraging cutting-edge technology and extensive market insights, PennyMac aims to enhance asset performance and deliver substantial value in the competitive real estate landscape. With a commitment to responsible lending practices and a solid risk management framework, PFSI is strategically positioned to seize growth opportunities in the increasingly complex financial services sector. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | MORTGAGE FINANCE |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 128.55 |
| Price 4 Years Ago | 66.67 |
| Last Day Price Updated | 10/24/2025 6:07:51 PM EST |
| Last Day Volume | 640,498 |
| Average Daily Volume | 397,223 |
| 52-Week High | 134.56 |
| 52-Week Low | 85.23 |
| Last Price to 52 Week Low | 50.83% |
Valuation Measures |
|
| Trailing PE | 17.95 |
| Industry PE | 38.42 |
| Sector PE | 24.14 |
| 5-Year Average PE | 12.87 |
| Free Cash Flow Ratio | 10.69 |
| Industry Free Cash Flow Ratio | 92.56 |
| Sector Free Cash Flow Ratio | 42.26 |
| Current Ratio Most Recent Quarter | 0.09 |
| Total Cash Per Share | 12.03 |
| Book Value Per Share Most Recent Quarter | 81.12 |
| Price to Book Ratio | 1.58 |
| Industry Price to Book Ratio | 2.03 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 2.12 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.74 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.86 |
| Analyst Buy Ratings | 3 |
| Analyst Strong Buy Ratings | 3 |
Share Statistics |
|
| Total Shares Outstanding | 51,710,000 |
| Market Capitalization | 6,647,320,500 |
| Institutional Ownership | 60.78% |
Dividends |
|
| Ex-Dividend Date | 8/13/2025 |
| Previous Dividend Amount | 0.3000 |
| Current Dividend Amount | 0.3000 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 1.20 |
| Trailing Annual Dividend Yield | 0.93% |
| Forward Annual Dividend Rate | 1.20 |
| Forward Annual Dividend Yield | 0.93% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.99% |
| 5-Year Average Dividend Yield | 1.14% |
| 1-Year Dividend Growth Rate Percentage | 20.00% |
| 3-Year Dividend Growth Rate Percentage | 9.54% |
| 5-Year Dividend Growth Rate Percentage | 10.67% |
| All-Time Dividend Growth Rate Percentage | 16.65% |
| Dividend Payout Ratio | 16.62% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 159.20% |
| Annual Earnings Growth | 115.29% |
| Reported EPS 12 Trailing Months | 7.22 |
| Reported EPS Past Year | 10.48 |
| Reported EPS Prior Year | 10.70 |
| Net Income Twelve Trailing Months | 498,735,000 |
| Net Income Past Year | 311,423,000 |
| Net Income Prior Year | 144,656,000 |
| Quarterly Revenue Growth YOY | -39.20% |
| 5-Year Revenue Growth | -1.15% |
| Operating Margin Twelve Trailing Months | 37.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 621,921,000 |
| Total Cash Past Year | 238,482,000 |
| Total Cash Prior Year | 938,371,000 |
| Net Cash Position Most Recent Quarter | -10,554,708,000 |
| Net Cash Position Past Year | -11,629,889,000 |
| Long Term Debt Past Year | 11,868,371,000 |
| Long Term Debt Prior Year | 9,730,850,000 |
| Total Debt Most Recent Quarter | 11,176,629,000 |
| Equity to Debt Ratio Past Year | 0.24 |
| Equity to Debt Ratio Most Recent Quarter | 0.27 |
| Total Stockholder Equity Past Year | 3,829,651,000 |
| Total Stockholder Equity Prior Year | 3,538,603,000 |
| Total Stockholder Equity Most Recent Quarter | 4,207,886,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -1,637,878,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -31.67 |
| Free Cash Flow Past Year | -4,555,367,000 |
| Free Cash Flow Prior Year | -1,618,389,000 |
Options |
|
| Put/Call Ratio | 1.65 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.31 |
| MACD Signal | 0.76 |
| 20-Day Bollinger Lower Band | 86.37 |
| 20-Day Bollinger Middle Band | 108.92 |
| 20-Day Bollinger Upper Band | 131.47 |
| Beta | 1.59 |
| RSI | 52.97 |
| 50-Day SMA | 103.37 |
| 150-Day SMA | 86.49 |
| 200-Day SMA | 77.69 |
System |
|
| Modified | 10/23/2025 7:00:45 AM EST |