PennyMac Financial Services/$PFSI
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About PennyMac Financial Services
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform mainly focused on the production and servicing of U.S. residential mortgage loans. The firm is also engaged in managing investments related to the U.S. mortgage market and provides products and services that leverage technologies to support customers. The company operates through two reportable operating segments: production and servicing. The production segment performs loan origination, acquisition, and sale activities, while the servicing segment performs servicing and subservicing of loans, early buyout transactions, and servicing of loans sourced and managed for PMT. The majority of revenue comes from the production segment.
- Ticker
- $PFSI
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 5,543
- Headquarters
- Westlake Village, United States
- Website
- pfsi.pennymac.com
PFSI Metrics
BasicAdvanced
$3.3B
8.69
$7.30
1.43
$1.20
1.89%
Price and volume
Market cap
$3.3B
Beta
1.43
52-week high
$160.36
52-week low
$57.52
Average daily volume
648K
Dividend rate
$1.20
Financial strength
Current ratio
0.932
Quick ratio
0.467
Long term debt to equity
1.468
Total debt to equity
5.494
Dividend payout ratio (TTM)
16.11%
Profitability
Gross margin (TTM)
84.49%
Net profit margin (TTM)
11.78%
Operating margin (TTM)
17.01%
Effective tax rate (TTM)
22.62%
Revenue per employee (TTM)
$540,000
Management effectiveness
Return on assets (TTM)
1.45%
Return on equity (TTM)
9.38%
Valuation
Price to earnings (TTM)
8.692
Price to revenue (TTM)
1.096
Price to book
0.76
Price to tangible book (TTM)
0.78
Price to free cash flow (TTM)
-2.684
Free cash flow yield (TTM)
-37.26%
Free cash flow per share (TTM)
-23.63
Dividend yield (TTM)
1.89%
Forward dividend yield
1.89%
Growth
Revenue change (TTM)
9.82%
Earnings per share change (TTM)
0.89%
3-year revenue growth (CAGR)
20.54%
10-year revenue growth (CAGR)
12.75%
3-year earnings per share growth (CAGR)
14.14%
10-year earnings per share growth (CAGR)
15.34%
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.
Analyst projections of the future price of PennyMac Financial Services stock.
Bulls say / Bears say
PFSI’s servicing platform keeps growing: its $731 billion servicing portfolio was up 4% year on year in Q2 2026, supporting a larger base of recurring fee income. (PennyMac Financial Services)
The planned Cenlar subservicing acquisition, expected to close in Q4, could add fee income and let PFSI spread technology and operating costs across a larger platform. (PennyMac Financial Services)
PFSI’s scale may help it win more business from its existing borrowers: refinance recapture rates improved to 29% for conventional loans and 59% for government loans, while direct servicing costs were well below industry averages. (PennyMac Financial Services Q2 2026 Earnings Call Transcript, MarketScreener)
Higher mortgage rates are weighing on the outlook: PFSI expects adjusted returns on equity to remain in the high single digits through 2026 as the origination market shrinks. (PennyMac Financial Services)
Reported earnings remain vulnerable to mortgage-servicing-rights and hedge swings: Q2 net income fell to $22 million from $136 million a year earlier, with $77 million of MSR- and hedge-related losses. (SEC)
Even excluding valuation changes, servicing pre-tax income was $99 million in Q2, down from $146 million a year earlier, while servicing revenue also fell. That suggests growth in the portfolio has not yet stopped pressure on underlying servicing earnings. (PennyMac Financial Services)
Data summarised monthly by Lightyear AI. Last updated on 7 Oct 2026.
PFSI Financial Performance
Revenues and expenses
PFSI Earnings Performance
Company profitability
Upcoming events
No upcoming events
PFSI News
AllArticlesVideos
PennyMac Financial Services, Inc. Reschedules Third Quarter 2026 Earnings Call to 5:30 PM ET on Thursday, October 29
Business Wire6 days ago
ROSEN, TRUSTED INVESTOR COUNSEL, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI
Newsfile Corp3 weeks ago
PennyMac Financial Services, Inc. Live with VantageScore 4.0 Across All Three Production Channels
Business Wire3 weeks ago
Funds containing PFSI
AllUSDEURGBP
Fund name | Fund size | $PFSI weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.06% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.06% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.05% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $3.2B | 0.05% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.04% |
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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