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PennyMac Financial Services, Inc. PFSI

Financial — Mortgage Finance
Dividend Champion (5y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.20
Total sells
35.20
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — 1 — — — — — — —
Sell 5 5 2 1 3 2 1 2 1 1 — —
Insider Ownership
34.16%

Capital & Financial Ratios

Market Cap
3,460.00
Revenue
2,212.85
Net Income
392.38
Free Cash Flow
(1,853.11)
Net Debt
13,220.34
Current Ratio
0.38
Debt/Equity
3.22
P/E ratio
8.78
P/S ratio
1.56
P/B ratio
0.79
Past 5Y EPS Growth
3.60%
This Y EPS Growth
(42.06%)
Next Y EPS Growth
102.69%
Next 5Y EPS Growth
12.66%
in millions of $

Dividends

Payout Ratio
0.16
Annual Dividend Rate
0.80
Annual Dividend Yield
0.89%
total individual payouts
2028 ‡‡‡
2027 ‡‡‡
2026 1.20
—
—
—
2025 1.20
—
—
—
—
2024 1.00
—
—
—
—
2023 0.80
—
—
—
—
2022 0.80
—
—
—
—
2021 0.80
—
—
—
—
2020 0.54
—
—
—
—
2019 0.12
—
2018 0.00
—
2017 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 948.64 659.04 711.72 748.62
Receivables — — — —
Inventory — — — —
Other — — — —
948.64 659.04 711.72 748.62
2023 2024 2025 Q'26
Payables 449.90 354.41 643.90 437.01
ST’ Debt — — — —
Other — — — —
2,557.62 2,551.60 2,111.26 1,970.17
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡ ‡‡‡ ‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 544.98 496.97 — —
—
’25 430.90 444.73 632.90 538.00
2,046.54
’24 305.66 406.13 411.83 470.11
1,593.73
’23 302.86 336.55 400.31 361.94
1,401.66
’22 657.50 511.52 476.29 340.45
1,985.76
’21 944.69 742.25 786.61 693.81
3,167.36
’20 721.83 821.63 1,119.99 1,042.15
3,705.60
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (1,341.97) 2,143.07 — —
—
’25 1,065.96 (131.31) (697.37) (1,889.25)
(1,651.98)
’24 (897.94) (1,092.89) (393.71) (2,148.74)
(4,533.27)
’23 (3,264.89) 2,228.33 (975.94) 430.29
(1,582.22)
’22 4,427.36 1,704.15 (587.69) 489.41
6,033.24
’21 (1,248.02) 2,579.61 1,438.49 (207.02)
2,563.06
’20 (730.28) 1,095.88 (4,289.13) (2,275.41)
(6,198.94)
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (1,360.15) 2,126.91 — —
—
’25 1,058.45 (141.77) (707.65) (1,912.22)
(1,703.19)
’24 (902.72) (1,098.08) (398.20) (2,156.36)
(4,555.37)
’23 (3,275.65) 2,219.21 (984.61) 423.66
(1,617.39)
’22 4,405.36 1,682.80 (613.50) 475.48
5,950.15
’21 (1,179.95) 2,565.77 1,426.85 (225.63)
2,587.04
’20 (761.74) 1,083.30 (4,294.04) (2,284.04)
(6,256.52)
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.53 0.41 — —
—
’25 1.42 2.54 3.37 1.97
9.30
’24 0.74 1.85 1.30 1.95
5.84
’23 0.57 1.11 1.77 (0.74)
2.74
’22 2.94 2.28 2.46 0.71
8.50
’21 5.15 2.94 3.80 2.79
14.87
’20 3.73 4.39 7.03 5.97
20.92

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 38.53 54.00 81.93 85.74 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 71.45 93.50 119.13 137.53 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4,000 3,900 4,100 4,900 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.50 0.36 0.39 0.42 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,985.76 1,401.66 1,593.73 2,046.54 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 88.25% 86.88% 83.05% 81.70% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 665.25 183.63 401.03 551.42 ‡‡‡‡‡ — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 33.50% 13.10% 25.16% 26.94% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 475.51 144.66 311.42 501.08 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 69.44 91.45 98.47 102.11 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 37.42 28.05 31.26 39.56 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.96 2.89 6.11 9.69 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 113.70 (31.66) (88.91) (31.94) — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1.57) (0.70) (0.43) (0.99) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 112.13 (32.36) (89.34) (32.93) — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 65.41 70.80 75.11 83.30 ‡‡‡‡‡ — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 53.07 49.98 50.99 51.73 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.54 30.28 16.72 13.62 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.54 3.13 3.27 3.33 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.88 1.24 1.36 1.58 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.09 10.78 13.70 12.39 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.70 (9.31) (4.79) (14.86) — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6,033.24 (1,582.22) (4,533.27) (1,651.98) ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (83.09) (35.17) (22.10) (51.20) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5,950.15 (1,617.39) (4,555.37) (1,703.19) — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1,180.93) (1,608.98) (1,892.57) (1,399.54) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8,383.89 6,731.47 12,347.43 14,323.93 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7,043.16 5,782.83 11,688.40 13,612.21 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,471.05 3,538.60 3,829.65 4,308.98 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.67% 0.81% 1.39% 1.81% ‡‡‡‡‡ — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.50% 2.81% 1.94% 2.24% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.80% 4.13% 8.45% 12.31% ‡‡‡‡‡ — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

PennyMac Financial Services (PFSI), a powerhouse in U.S. mortgage origination, servicing, and investment management, has ridden the industry’s wild boom-bust waves—from the 2020 refi frenzy that ballooned revenue 151% to $3.71 billion and EPS to $21.91, to sharp contractions amid Fed rate hikes that slashed profits 70% by 2023. Yet, 2024 marked stabilization with revenue up 14% to $1.59 billion and net income surging 115%, fueled by operational efficiency (revenue per employee at $389K) and resilient 86% gross margins. Looking ahead, analysts forecast explosive growth: revenue jumping 34% to $2.13 billion in 2025, with EPS rocketing 73% to $10.62, followed by steady gains through 2027 amid expected rate easing and housing recovery.

Profitability metrics like ROE (peaking at 60%) and strong balance sheet growth (equity up 14% CAGR) underscore PFSI’s capital efficiency, bolstered by buybacks shrinking shares 35% and Berkshire Hathaway’s stake. Cash flows remain lumpy but capex-light, positioning for FCF revival. However, red flags wave: debt climbed 84% to $12.3 billion in 2024, and insiders unloaded $38 million in shares over the past year with zero buys—CEO and CFO leading the exits, hinting at caution amid election uncertainty.

Valuation offers intrigue—current PE at 16.7x decompresses to 8x forward, with analyst targets signaling 21-63% upside and quant models backing 65% odds of outperformance. Risks like rate spikes or recession loom, but the V-shaped recovery narrative, tied to 85% historical revenue-EPS correlation, makes PFSI a compelling overweight for growth chasers. Dive into the full analysis for the charts, models, and macro playbook.

Read full commentary →

PennyMac Financial Services, Inc. (PFSI) Latest News

News by impact score

Fine-tune

7 Aug

3 , 8:39 AM
RKT Q2 earnings matched estimates but revenues missed amid housing weakness, sending the stock lower. Housing weakness and competitor revenue miss point to sector headwinds likely to affect PFSI results.

30 Jul

3 transcript www.marketbeat.com, 3:03 AM
PennyMac Financial Services Q2 earnings call highlighted key financial metrics, operational updates and outlook for mortgage servicing and origination segments. Quarterly earnings details and guidance can moderately shift near-term investor sentiment and valuation.

3 transcript , 1:00 AM
PennyMac Financial Services Inc (PFSI) Q2 2026 earnings call focused on strategies for navigating interest rate challenges in the mortgage sector. Earnings call insights on rate navigation typically lead to moderate adjustments in investor expectations for PFSI's performance.

29 Jul

4 , 4:15 PM
PennyMac Financial Services, Inc. reported its second quarter 2026 financial results. Quarterly earnings releases typically drive major shifts in stock price and investor outlook.

3 , 8:35 PM
PennyMac Financial (PFSI) missed analyst estimates for both Q2 earnings and revenues. Quarterly earnings and revenue shortfalls can pressure near-term stock price and investor sentiment.

3 , 6:25 PM
PennyMac Mortgage (PMT) missed Q2 earnings and revenue estimates. Earnings misses often trigger short-term stock price declines and reduced investor sentiment for PennyMac Financial Services.

3 , 5:06 PM
PennyMac Financial Services missed Q2 CY2026 revenue estimates. Revenue miss signals potential operational challenges affecting near-term performance.

16 Jun

4 , 8:00 AM
PennyMac Financial Services names AWS as preferred cloud provider and expands agreement to deploy enterprise-grade AI while commercializing its servicing platform. Expanded AWS partnership for AI deployment and platform commercialization marks major strategic move with potential to alter operations and competitive positioning.

13 Jun

3 , 1:05 AM
PennyMac Financial Services expands board amid earnings miss and probe, drawing investor reactions to the developments. Earnings miss and probe may moderately affect financial performance and investor sentiment.

22 May

3 Simply Wall St., 10:08 AM
Fair value assumptions for PennyMac Financial Services are resetting and shifting the company's valuation narrative along with its performance metrics and outlook. Resetting fair value assumptions directly influences PennyMac's reported financial metrics and investor perceptions of its asset values.

15 May

3 StockStory, 9:48 AM
PennyMac Financial Services' Q1 earnings call featured five insightful analyst questions addressing mortgage production, servicing portfolio growth, net interest margins, capital management, and forward guidance amid market challenges. Analyst questions probe key financial metrics and strategies, potentially influencing investor sentiment and near-term performance outlook.

6 May

4 transcript www.fool.com, 11:10 AM
PennyMac Financial Services, Inc. (PFSI) released its Q1 2026 earnings call transcript, detailing quarterly financial results, performance highlights, and forward guidance. Q1 2026 earnings transcript reveals financial results and guidance directly impacting PFSI's valuation and investor outlook.

4 app.moby.co, 8:30 AM
PennyMac Financial Services, Inc. (PFSI) released Q1 2026 earnings call summary detailing financial performance, loan production, and forward outlook. Q1 2026 earnings call summary reveals financial results and guidance impacting PFSI's trajectory and investor sentiment.

5 May

4 transcript www.fool.com, 11:50 PM
PennyMac (PMT) released Q1 2026 earnings call transcript detailing quarterly financial results, management discussion, and forward-looking guidance. Q1 2026 earnings transcript discloses financial performance and strategic outlook, poised to significantly sway investor sentiment and stock trajectory for PennyMac entities.

4 Business Wire, 4:15 PM
PennyMac Financial Services, Inc. (PFSI) reported first quarter 2026 results. Quarterly earnings releases significantly impact financial performance metrics and investor sentiment for PennyMac Financial Services.

3 Zacks, 8:30 PM
PennyMac Mortgage (PMT) Q1 earnings per share of $0.05 missed the $0.58 estimate, while revenues of $78.1 million fell short of $103.4 million expected. Net investment income declined due to lower premiums and interest income. The company reaffirmed its 2024 core earnings guidance of $1.50-$1.70 per share. PMT's Q1 earnings miss as PFSI affiliate moderately pressures servicing fees and market sentiment without derailing long-term trajectory.

3 Zacks, 8:30 PM
PennyMac Financial Services, Inc. (PFSI) Q1 earnings and revenues missed analyst estimates. Q1 earnings and revenue misses moderately influence PFSI's financial performance and investor sentiment.

3 StockStory, 6:04 PM
PennyMac Financial Services (NYSE:PFSI) reported sales below analyst estimates in Q1 CY2026 earnings. Q1 CY2026 sales miss highlights financial underperformance with moderate effects on investor sentiment and near-term trajectory.

4 May

3 StockStory, 3:32 PM
PennyMac Financial Services (PFSI) outlines Q1 results and key metrics ahead of its official earnings release, highlighting revenue expectations, EPS forecasts, and factors influencing performance. Q1 earnings preview targets key financial metrics with moderate potential to sway investor sentiment and short-term stock performance.

21 Apr

3 , 10:00 AM
PennyMac Financial Services (PFSI) earnings expected to grow amid positive analyst outlook, prompting buy consideration. Expected earnings growth moderately influences financial performance expectations and investor sentiment.

15 Apr

4 Zacks, 10:21 AM
Rocket Mortgage's AI initiatives and Compass deal threaten to shift mortgage market share, posing competitive risks to PennyMac Financial Services (PFSI). Rocket's AI push and Compass partnership introduce major shifts in mortgage market dynamics that could significantly erode PFSI's competitive position.

3 Apr

3 Simply Wall St., 1:07 AM
Analyst views on PennyMac Financial Services (PFSI) are rebalancing, shifting the company's investment narrative amid evolving perspectives. Rebalanced analyst views moderately influence investor sentiment and PFSI's market trajectory.

20 Mar

4 Insider Monkey, 11:55 AM
PennyMac Financial Services (PFSI) launched a Non-QM Mortgage Product Suite for its TPO Division. Launching a Non-QM product suite expands PFSI's mortgage offerings into a high-growth niche, likely boosting revenue and competitive edge.

11 Mar

4 , 6:08 PM
PennyMac Financial Services, Inc. (PFSI) launches broad Non-QM mortgage product suite, triggering valuation analysis amid potential growth in non-traditional lending. Launching a broad Non-QM mortgage suite expands PFSI's market reach in a high-growth segment, significantly boosting revenue potential and competitive positioning.

10 Mar

4 Business Wire, 8:00 AM
Pennymac TPO launches Non-QM products, expanding offerings for its broker and correspondent channels to capture growing demand from non-traditional borrowers. Launching Non-QM products strategically broadens Pennymac TPO's portfolio, targeting high-growth segments to enhance origination volumes and competitive edge.

2 Mar

4 Simply Wall St., 3:13 PM
Federal Reserve's mortgage capital proposal could reshape PennyMac Financial Services (PFSI)'s investment case by imposing stricter capital rules on mortgage servicers, potentially raising costs and squeezing margins amid low origination volumes. Fed’s mortgage capital proposal introduces regulatory changes that could significantly raise PFSI's capital requirements and alter investor sentiment.

27 Feb

4 GOBankingRates, 11:03 AM
Proposed US rule would overhaul mortgage shopping by requiring lenders to provide multiple loan offers upfront, simplifying comparisons for consumers while potentially increasing competition and compliance costs for servicers like PennyMac Financial Services. Regulatory changes to mortgage shopping directly target PFSI's core lending and servicing operations, likely reshaping competition and costs.

11 Feb

4 Business Wire, 4:15 PM
PennyMac Financial Services, Inc. has announced the acquisition of Cenlar's subservicing business, positioning itself as one of the largest mortgage subservicers in the industry. This strategic move is expected to enhance PennyMac's operational capabilities and expand its market presence, allowing for increased efficiency and improved service offerings to clients. The acquisition significantly enhances PennyMac's market position and operational scale, likely impacting its future performance and investor sentiment.

3 Business Wire, 11:40 AM
KBRA has assigned preliminary ratings to the OBX 2026-INV1 Trust, which is backed by a pool of mortgage loans. This trust is associated with PennyMac Financial Services, Inc. (PFSI), indicating the company's involvement in the securitization market. The ratings reflect the credit quality of the underlying assets and the structure of the trust. The ratings assigned to the trust may moderately influence PFSI's financial performance and market perception.

10 Feb

3 StockStory, 11:01 PM
PennyMac Financial Services, Inc. (PFSI) reported its Q4 earnings, revealing mixed results that have led analysts to debate whether to buy, sell, or hold the stock. The company's performance was influenced by various market conditions and operational challenges, prompting discussions about its future trajectory and potential strategies moving forward. Mixed Q4 earnings results indicate a moderately noticeable influence on financial performance and market sentiment.
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