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
4,779
Headquarters
Website
PFSI Metrics
BasicAdvanced
$6.4B
17.09
$7.21
1.51
$1.20
0.97%
Price and volume
Market cap
$6.4B
Beta
1.51
52-week high
$130.02
52-week low
$85.74
Average daily volume
402K
Dividend rate
$1.20
Financial strength
Current ratio
0.908
Quick ratio
0.367
Long term debt to equity
137.248
Total debt to equity
460.081
Dividend payout ratio (TTM)
16.08%
Profitability
Gross margin (TTM)
90.95%
Net profit margin (TTM)
10.82%
Operating margin (TTM)
11.35%
Effective tax rate (TTM)
4.29%
Revenue per employee (TTM)
$750,000
Management effectiveness
Return on assets (TTM)
1.69%
Return on equity (TTM)
10.05%
Valuation
Price to earnings (TTM)
17.09
Price to revenue (TTM)
1.773
Price to book
1.58
Price to tangible book (TTM)
1.58
Price to free cash flow (TTM)
-3.865
Free cash flow yield (TTM)
-25.87%
Free cash flow per share (TTM)
-31.86
Dividend yield (TTM)
0.97%
Forward dividend yield
0.97%
Growth
Revenue change (TTM)
65.89%
Earnings per share change (TTM)
97.10%
3-year revenue growth (CAGR)
10.80%
10-year revenue growth (CAGR)
17.60%
3-year earnings per share growth (CAGR)
-15.45%
10-year earnings per share growth (CAGR)
14.27%
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
AllArticlesVideos
Pennymac Selects Vesta to Supercharge Its Mortgage Platform, Setting a New Industry Standard in Origination Technology
Business Wire4 weeks ago
PennyMac Financial Services, Inc. to Present at the 2025 Barclays Global Financial Services Conference
Business Wire1 month ago
PennyMac Mortgage Investment Trust to Present at the 2025 Barclays Global Financial Services Conference
Business Wire1 month ago
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for PennyMac Financial Services stock?
PennyMac Financial Services (PFSI) has a market cap of $6.4B as of October 04, 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 17.09 as of October 04, 2025.
Does PennyMac Financial Services stock pay dividends?
Yes, the PennyMac Financial Services (PFSI) stock pays dividends to shareholders. As of October 04, 2025, the dividend rate is $1.2 and the yield is 0.97%. PennyMac Financial Services has a payout ratio of 16.08% on a trailing twelve-month basis.
When is the next PennyMac Financial Services dividend payment date?
The next PennyMac Financial Services (PFSI) dividend payment date is unconfirmed.
What is the beta indicator for PennyMac Financial Services?
PennyMac Financial Services (PFSI) has a beta rating of 1.51. 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.