Stock Scorecard
Stock Summary for PennyMac Financial Services Inc (PFSI) - $97.63 as of 5/5/2025 8:55:45 PM EST
Total Score
14 out of 30
Safety Score
62 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for PFSI
| Positive 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 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 (62 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) | 1 |
| Analyst Buy Ratings (Max of 5) | 4 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 3 |
| Trading Volume (Max of 10) | 4 |
| 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 | FINANCE |
| Industry Name | MORTGAGE BANKERS & LOAN CORRESPONDENTS |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | 7/21/2025 |
Stock Price History |
|
| Last Day Price | 97.63 |
| Price 4 Years Ago | 67.06 |
| Last Day Price Updated | 5/5/2025 8:55:45 PM EST |
| Last Day Volume | 243,618 |
| Average Daily Volume | 473,812 |
| 52-Week High | 118.42 |
| 52-Week Low | 85.74 |
| Last Price to 52 Week Low | 13.87% |
Valuation Measures |
|
| Trailing PE | 14.88 |
| Industry PE | 27.39 |
| Sector PE | 17.70 |
| 5-Year Average PE | 25.45 |
| Free Cash Flow Ratio | 23.87 |
| Industry Free Cash Flow Ratio | 6.70 |
| Sector Free Cash Flow Ratio | 25.60 |
| Current Ratio Most Recent Quarter | 1.56 |
| Total Cash Per Share | 4.09 |
| Book Value Per Share Most Recent Quarter | 75.57 |
| Price to Book Ratio | 1.27 |
| Industry Price to Book Ratio | 2.06 |
| Sector Price to Book Ratio | 2.26 |
| Price to Sales Ratio Twelve Trailing Months | 1.69 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.35 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.11 |
| Analyst Buy Ratings | 4 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 51,664,000 |
| Market Capitalization | 5,043,956,320 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 5/14/2025 |
| Previous Dividend Amount | 0.3000 |
| Current Dividend Amount | 0.3000 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 1.10 |
| Trailing Annual Dividend Yield | 1.13% |
| Forward Annual Dividend Rate | 1.20 |
| Forward Annual Dividend Yield | 1.24% |
| 5-Year Dividend Payments Count | 21 |
| 3-Year Average Dividend Yield | 0.98% |
| 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 | 16.87% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 91.90% |
| Annual Earnings Growth | 115.29% |
| Reported EPS 12 Trailing Months | 6.52 |
| Reported EPS Past Year | 1.42 |
| Reported EPS Prior Year | 7.58 |
| Net Income Twelve Trailing Months | 348,395,000 |
| Net Income Past Year | 311,423,000 |
| Net Income Prior Year | 144,656,000 |
| Quarterly Revenue Growth YOY | 158.20% |
| 5-Year Revenue Growth | -1.15% |
| Operating Margin Twelve Trailing Months | 12.10% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 211,093,000 |
| Total Cash Past Year | 238,482,000 |
| Total Cash Prior Year | 938,371,000 |
| Net Cash Position Most Recent Quarter | -11,003,136,000 |
| 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 | 11,214,229,000 |
| Equity to Debt Ratio Past Year | 0.24 |
| Equity to Debt Ratio Most Recent Quarter | 0.26 |
| Total Stockholder Equity Past Year | 3,829,651,000 |
| Total Stockholder Equity Prior Year | 3,538,603,000 |
| Total Stockholder Equity Most Recent Quarter | 3,903,756,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -2,612,593,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -50.57 |
| Free Cash Flow Past Year | -4,555,367,000 |
| Free Cash Flow Prior Year | -1,618,389,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -1.03 |
| MACD Signal | -1.30 |
| 20-Day Bollinger Lower Band | 92.69 |
| 20-Day Bollinger Middle Band | 100.77 |
| 20-Day Bollinger Upper Band | 108.86 |
| Beta | 1.72 |
| RSI | 51.40 |
| 50-Day SMA | 100.67 |
| 150-Day SMA | 77.57 |
| 200-Day SMA | 72.61 |
System |
|
| Modified | 5/3/2025 7:46:32 AM EST |