Stock Scorecard
Stock Summary for PennyMac Financial Services Inc (PFSI) - $102.07 as of 12/30/2024 11:23:31 AM EST
Total Score
7 out of 30
Safety Score
59 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
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 (59 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) | 1 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 2 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 5 |
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 | 9/30/2024 |
| Next Earnings Date | 1/30/2025 |
Stock Price History |
|
| Last Day Price | 102.07 |
| Price 4 Years Ago | 62.47 |
| Last Day Price Updated | 12/30/2024 11:23:31 AM EST |
| Last Day Volume | 231,198 |
| Average Daily Volume | 250,267 |
| 52-Week High | 118.78 |
| 52-Week Low | 81.08 |
| Last Price to 52 Week Low | 25.89% |
Valuation Measures |
|
| Trailing PE | 32.10 |
| Industry PE | 17.01 |
| Sector PE | 20.73 |
| 5-Year Average PE | 13.32 |
| Free Cash Flow Ratio | 6.43 |
| Industry Free Cash Flow Ratio | 6.44 |
| Sector Free Cash Flow Ratio | 11.13 |
| Current Ratio Most Recent Quarter | 0.10 |
| Total Cash Per Share | 15.88 |
| Book Value Per Share Most Recent Quarter | 72.95 |
| Price to Book Ratio | 1.41 |
| Industry Price to Book Ratio | 1.16 |
| Sector Price to Book Ratio | 2.57 |
| Price to Sales Ratio Twelve Trailing Months | 1.88 |
| Industry Price to Sales Ratio Twelve Trailing Months | 1.14 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.34 |
| Analyst Buy Ratings | 5 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 51,258,000 |
| Market Capitalization | 5,231,904,060 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 11/18/2024 |
| Current Dividend Amount | 0.30 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.00 |
| Trailing Annual Dividend Yield | 0.97% |
| Forward Annual Dividend Rate | 1.20 |
| Forward Annual Dividend Yield | 1.17% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 1.16% |
| 5-Year Average Dividend Yield | 1.07% |
| 1-Year Dividend Growth Rate Percentage | 50.00% |
| 3-Year Dividend Growth Rate Percentage | 22.47% |
| 5-Year Dividend Growth Rate Percentage | 22.09% |
| All-Time Dividend Growth Rate Percentage | 60.69% |
| Dividend Payout Ratio | 31.45% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -26.60% |
| Annual Earnings Growth | -69.58% |
| Reported EPS 12 Trailing Months | 3.18 |
| Reported EPS Past Year | 5.63 |
| Reported EPS Prior Year | 2.71 |
| Net Income Twelve Trailing Months | 170,092,000 |
| Net Income Past Year | 144,656,000 |
| Net Income Prior Year | 475,507,000 |
| Quarterly Revenue Growth YOY | 482.60% |
| 5-Year Revenue Growth | 15.68% |
| Operating Margin Twelve Trailing Months | 9.03% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 813,748,000 |
| Total Cash Past Year | 948,639,000 |
| Total Cash Prior Year | 1,340,730,000 |
| Net Cash Position Most Recent Quarter | -4,116,252,000 |
| Net Cash Position Past Year | -3,481,361,000 |
| Long Term Debt Past Year | 4,430,000,000 |
| Long Term Debt Prior Year | 3,750,000,000 |
| Total Debt Most Recent Quarter | 4,930,000,000 |
| Equity to Debt Ratio Past Year | 0.44 |
| Equity to Debt Ratio Most Recent Quarter | 0.43 |
| Total Stockholder Equity Past Year | 3,538,603,000 |
| Total Stockholder Equity Prior Year | 3,471,049,000 |
| Total Stockholder Equity Most Recent Quarter | 3,739,178,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -1,976,342,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -38.56 |
| Free Cash Flow Past Year | -1,618,389,000 |
| Free Cash Flow Prior Year | 5,954,141,000 |
Options |
|
| Put/Call Ratio | 1.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.98 |
| MACD Signal | -0.51 |
| 20-Day Bollinger Lower Band | 96.73 |
| 20-Day Bollinger Middle Band | 105.52 |
| 20-Day Bollinger Upper Band | 114.31 |
| Beta | 1.79 |
| RSI | 44.76 |
| 50-Day SMA | 96.16 |
| 150-Day SMA | 71.68 |
| 200-Day SMA | 69.03 |
System |
|
| Modified | 12/28/2024 9:03:26 AM EST |