PennyMac Financial Services, In
PFSI
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- PennyMac Financial Services operates in the mortgage finance industry, which is poised for growth as interest rates stabilize and housing demand rebounds.
- The company has a market cap of approximately $3.26 billion and a forward P/E ratio of 5.90, indicating potential undervaluation compared to peers.
- PennyMac's revenue increased by 1% in the last quarter, reaching $972 million, despite a challenging operating environment.
- The mortgage finance sector is facing significant competition, which may pressure margins and profitability for PennyMac.
- PennyMac's operating margin has compressed to 3.2%, down from 10.8% in the previous quarter, reflecting operational challenges.
- The company's score indicates a 'Sell' signal with a score of -6.00, suggesting negative market sentiment and potential risks ahead.
Fundamentals
| Market cap | $3.19B | Enterprise value | $26.60B | Trailing P/E | 8.44 | Forward P/E | 5.76 |
| PEG | — | Price / book | 0.73 | Beta | 1.45 | Dividend yield | 1.96% |
| Revenue growth | 1.8% | Earnings growth | -83.9% | Gross margin | 86.0% | Operating margin | 4.5% |
| Profit margin | 11.8% | ROE | 9.4% | ROA | 1.5% | Debt / equity | 5.49 |
| Current ratio | 0.93 | Free cash flow | — | Analyst recommendation | buy | Mean target | $88.57 |
| 52w high | $160.36 | 52w low | $59.41 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $972M | $967M | $2.2B | $883M | $932M | — |
| Op margin | 3.2% | 10.8% | 6.0% | 26.8% | 8.2% | — |
| Net income | $21.7M | $82.3M | $107M | $182M | $136M | — |
| Gross margin | 43.5% | 47.9% | 77.4% | 46.8% | 51.8% | — |
| Gross profit | $423M | $463M | $1.7B | $413M | $483M | — |
| Operating income | $31.5M | $105M | $133M | $237M | $76.4M | — |
- Revenue +1% vs prior quarter ($972M vs $967M).
- Gross margin 43.5% (was 47.9% prior quarter).
- Operating margin compressed to 3.2%.
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $4.4B | $2.8B | $2.6B | $2.3B | — |
| Op margin | 12.5% | 14.1% | 13.1% | 29.7% | — |
| Net income | $501M | $311M | $145M | $476M | — |
| Gross margin | 59.3% | 48.1% | 54.7% | 56.3% | — |
| Gross profit | $2.6B | $1.4B | $1.4B | $1.3B | — |
| Operating income | $551M | $403M | $346M | $689M | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-08 · Vesta raises $30M to bring swarms of agents to mortgage lenders
2026-10-08 · PennyMac Financial Services, Inc. Announces Date for Release of Third Quarter 2026 Results
2026-10-07 · KBRA Assigns Preliminary Ratings to PMT Loan Trust 2026-CNF9 (PMTLT 2026-CNF9)
2026-10-07 · 3 Small-Cap Stocks That Concern Us
2026-10-05 · PennyMac Completes VantageScore 4.0 Deployment Across Production Channels
2026-10-05 · PennyMac Financial Services, Inc. Live with VantageScore 4.0 Across All Three Production Channels
2026-09-29 · KBRA Assigns Preliminary Ratings to BRAVO Residential Funding Trust 2026-CES2 (BRAVO 2026-CES2)
2026-09-21 · KBRA Assigns Preliminary Ratings to PMT Loan Trust 2026-INV9 (PMTLT 2026-INV9)
2026-09-18 · PennyMac Financial Services (PFSI) Stock Fair Value Falls After Analysts Cut Targets On Q2 Miss
2026-09-17 · Can PennyMac Financial Services (PFSI) Still Trade At A Discount?
Price (daily)
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