Stock AnalizPennyMac Financial Services, Inc. PFSI
Finance: Consumer Services · IPO 2013 · data as of November 13, 2026
PennyMac Financial Services, Inc. (PFSI) is a financial company listed in the US with a market value of about $3.1B. In the twelve months to September 30, 2026 it had revenue of $2.0B and net income of $240M, a net margin of 11.7%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is financial health (0/5).
Key numbers: a P/E of 13.7, 5-year revenue growth of -11% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 38% above the current price.
Score: 2.0 / 5
Checks passed
- P/E below 25
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- Profit margin improving
- Strong R&D investment or growth above 20%
- Profitable 5 years in a row
- Pays a dividend
- Share count down over 3 years (buybacks)
Checks not passed
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 8 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.0B | $2.0B | $1.6B | $1.4B | $2.0B | $3.2B | $3.7B | $1.5B | $985M |
| Net income | $240M | $501M | $311M | $145M | $476M | $1.0B | $1.6B | $393M | $88M |
| Free cash flow | -$252M | -$1.7B | -$4.5B | -$1.6B | $6.0B | $2.6B | -$6.2B | -$2.3B | $559M |
| EPS (diluted) | $4.44 | $9.30 | $5.84 | $2.74 | $8.50 | $14.87 | $20.92 | $4.89 | $2.59 |
| Net margin | 11.7% | 24.5% | 19.5% | 10.3% | 23.9% | 31.7% | 44.4% | 26.6% | 8.9% |
| ROIC | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $72.17, 19% above the current price; targets range from $60.00 to $85.00; the consensus rating is “Buy”; expected EPS is $5.66 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is PennyMac Financial Services’s P/E ratio?
About 13.7, based on the last twelve months of diluted earnings per share (forward P/E about 10.5).
Is PennyMac Financial Services stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 38% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does PennyMac Financial Services pay a dividend?
Yes. The dividend yield is about 1.92%, and it has paid dividends for 8 years in our data.
Is PennyMac Financial Services a good stock to buy?
We do not give buy or sell advice. PennyMac Financial Services scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.