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Screener Weekly Summary Pricing

PennyMac Financial Services, Inc. (PFSI) vs Rocket Companies, Inc. (RKT)

PennyMac Financial Services, Inc. and Rocket Companies, Inc. are both Mortgage Finance companies. Rocket Companies, Inc. is the larger, with a market value of $34.0B against $3.4B — 10.0× the size. PennyMac Financial Services, Inc. trades at the lower P/E: 8.7× against 81.1×. Rocket Companies, Inc. grew revenue faster over the last twelve months: 98.6% against 25.9%. PennyMac Financial Services, Inc. has the higher net margin (17.7% vs 4.77%) and the higher return on invested capital (2.17% vs 0.87%). Across the 21 metrics below, PennyMac Financial Services, Inc. leads on 13 and Rocket Companies, Inc. on 8.

Valuation

Metric PFSI RKT Mortgage Finance median
P/E 8.66 81.13 7.11
P/S 1.54 3.50 1.54
P/B 0.78 1.47 0.53
Price to free cash flow n/m 219.86 6.59
EV/EBITDA 23.26 28.15 22.03
EV/Sales 7.51 5.96 5.95
Earnings yield 11.55% 1.23% 2.09%
Free cash flow yield (54.63%) 0.45% (16.97%)

Profitability

Metric PFSI RKT Mortgage Finance median
Gross margin 78.95% 100.00% 84.40%
Operating margin 27.59% 15.84% 12.51%
Net margin 17.73% 4.77% (0.83%)
Free cash flow margin (83.74%) 1.59% (45.06%)
Return on equity 9.38% 3.04% (1.16%)
Return on assets 1.45% 1.03% 0.38%
Return on invested capital 2.17% 0.87% 0.36%

Growth

Metric PFSI RKT Mortgage Finance median
Revenue growth (TTM) 25.90% 98.61% 11.44%
EPS growth (last fiscal year) 59.25% (123.81%) —
Revenue growth, 5-year CAGR (11.20%) (15.62%) (11.16%)
Net income growth, 5-year CAGR (21.18%) 0.00% 0.00%

Health

Metric PFSI RKT Mortgage Finance median
Debt to equity 3.22 1.16 1.22
Current ratio 0.38 4.85 1.38
Net debt to EBITDA 18.29 42.57 9.85

Dividend

Metric PFSI RKT Mortgage Finance median
Dividend yield 0.89% — 5.81%
Payout ratio 0.16 0.00 0.00

Size

Metric PFSI RKT Mortgage Finance median
Market cap 3.39b 34.04b 214.95m

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