PennyMac Financial Services/$PFSI
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About PennyMac Financial Services
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.
Ticker
$PFSI
Sector
Primary listing
NYSE
Employees
4,700
Headquarters
Website
PFSI Metrics
BasicAdvanced
$6.9B
14.28
$9.29
1.59
$1.20
0.90%
Price and volume
Market cap
$6.9B
Beta
1.59
52-week high
$134.56
52-week low
$85.74
Average daily volume
406K
Dividend rate
$1.20
Financial strength
Current ratio
0.951
Quick ratio
0.422
Long term debt to equity
146.269
Total debt to equity
461.649
Profitability
Gross margin (TTM)
88.27%
Net profit margin (TTM)
16.82%
Operating margin (TTM)
18.48%
Effective tax rate (TTM)
8.72%
Revenue per employee (TTM)
$630,000
Management effectiveness
Return on assets (TTM)
2.07%
Return on equity (TTM)
12.55%
Valuation
Price to earnings (TTM)
14.276
Price to revenue (TTM)
2.306
Price to book
1.64
Price to tangible book (TTM)
1.64
Dividend yield (TTM)
0.90%
Forward dividend yield
0.90%
Growth
Revenue change (TTM)
47.97%
Earnings per share change (TTM)
189.98%
3-year revenue growth (CAGR)
12.70%
10-year revenue growth (CAGR)
14.11%
3-year earnings per share growth (CAGR)
-3.97%
10-year earnings per share growth (CAGR)
16.63%
3-year dividend per share growth (CAGR)
14.47%
What the Analysts think about PFSI
Analyst ratings (Buy, Hold, Sell) for PennyMac Financial Services stock.
Bulls say / Bears say
Fitch upgraded PennyMac Loan Services’ RMBS servicer ratings to RPS2/RSS2, citing its proprietary servicing platform, experienced management team, and diversified origination channels generating over $100 billion annually—strengthening its competitive edge (MarketScreener)
The average 30-year mortgage rate in the U.S. dropped to 6.64% in early April 2025, marking the second consecutive week of declines. This should stimulate both refinancing and new mortgage origination for PennyMac’s production and servicing businesses (Bloomberg)
Barclays continues to rate PFSI as “Overweight” with a one-year price target of $119, over 22% higher than current levels, highlighting analyst confidence in the company’s market positioning (Ainvest)
Private credit firms are ramping up their presence in the U.S. residential mortgage market. This heightens competition and could squeeze margins for traditional lenders like PennyMac Financial Services (Bloomberg)
Total consumer borrowing unexpectedly dropped in February 2025, signaling weaker credit demand that may reduce mortgage origination volumes at PennyMac’s production segment (Bloomberg)
PennyMac’s reliance on short-term, uncommitted warehouse funding puts it at risk for liquidity and refinancing issues should funding markets tighten unexpectedly (MarketScreener)
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 2025.
PFSI Financial Performance
Revenues and expenses
PFSI Earnings Performance
Company profitability
PFSI News
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Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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FAQs
What’s the current market cap for PennyMac Financial Services stock?
PennyMac Financial Services (PFSI) has a market cap of $6.9B as of October 26, 2025.
What is the P/E ratio for PennyMac Financial Services stock?
The price to earnings (P/E) ratio for PennyMac Financial Services (PFSI) stock is 14.28 as of October 26, 2025.
Does PennyMac Financial Services stock pay dividends?
Yes, the PennyMac Financial Services (PFSI) stock pays dividends to shareholders. As of October 26, 2025, the dividend rate is $1.2 and the yield is 0.9%. PennyMac Financial Services has a payout ratio of 0% on a trailing twelve-month basis.
When is the next PennyMac Financial Services dividend payment date?
The next PennyMac Financial Services (PFSI) dividend payment is scheduled for November 26, 2025.
What is the beta indicator for PennyMac Financial Services?
PennyMac Financial Services (PFSI) has a beta rating of 1.59. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.