PennyMac Financial Services/$PFSI
1D1W1MYTD1Y5YMAX
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
8.72
$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
$63.23
Average daily volume
524K
Dividend rate
$1.20
Financial strength
Current ratio
0.932
Quick ratio
0.456
Long term debt to equity
1.468
Total debt to equity
5.494
Dividend payout ratio (TTM)
16.11%
Profitability
Gross margin (TTM)
86.02%
Net profit margin (TTM)
13.06%
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)
8.725
Price to revenue (TTM)
1.1
Price to book
0.76
Price to tangible book (TTM)
0.78
Price to free cash flow (TTM)
-2.694
Free cash flow yield (TTM)
-37.12%
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)
1.09%
3-year revenue growth (CAGR)
20.54%
10-year revenue growth (CAGR)
12.75%
3-year earnings per share growth (CAGR)
14.22%
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
PennyMac has a large, growing servicing base that can provide recurring fee income through weak origination markets. Owned servicing UPB rose 5% year on year to $488 billion, while total servicing UPB reached $731 billion; excluding valuation effects, servicing pretax income improved to $99 million from $57 million in the prior quarter. (PennyMac Financial Services, EarningsCalls.dev)
Improving recapture rates give PFSI an opportunity to convert its existing servicing relationships into new loans when refinancing demand returns. Government refinance recapture rose to 59% from 44% a year earlier, while conventional recapture rose to 29% from 17%. (PennyMac Financial Services, EarningsCalls.dev)
Technology, cost reductions and the planned Cenlar subservicing onboarding could improve operating leverage. Management says automation is lowering production costs and that the fee-based Cenlar business, combined with PFSI’s low servicing costs and scale, supports a path from high-single-digit adjusted ROE in 2026 towards mid-teens returns. (PennyMac Financial Services, Transcript Daily)
Higher mortgage rates are already shrinking production. Management said rates rose about 50 basis points during the third quarter and expects production pretax income to fall from the second quarter; Q2 production pretax income was $38 million, down from $58 million a year earlier. (EarningsCalls.dev, PennyMac Financial Services)
Interest-rate volatility creates sizeable swings in reported earnings through mortgage servicing rights and hedges. In Q2, MSR fair value rose by $110 million, but hedge fair-value losses were $135 million and hedge costs increased to $52 million, contributing to a sharp gap between 2% GAAP and 7% adjusted annualised ROE. (EarningsCalls.dev, PennyMac Financial Services)
The servicing book is larger but showing more credit stress and weaker year-on-year profitability. Owned 60-plus-day delinquencies rose to 4.1% from 3.2% a year earlier, while servicing pretax income fell to $22 million from $54 million and pretax income excluding valuation items fell to $99 million from $146 million. (PennyMac Financial Services, Longbridge)
Data summarised monthly by Lightyear AI. Last updated on 22 Sept 2026.
PFSI Financial Performance
Revenues and expenses
PFSI Earnings Performance
Company profitability
Upcoming events
No upcoming events
PFSI News
AllArticlesVideos
ROSEN, A LONGSTANDING LAW FIRM, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI
Newsfile Corp6 days ago
ROSEN, SKILLED INVESTOR COUNSEL, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI
Newsfile Corp4 weeks ago
ROSEN, A LEADING NATIONAL FIRM, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI
Newsfile Corp4 weeks ago
Funds containing PFSI
AllEURGBPUSD
Fund name | Fund size | $PFSI weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.06% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.05% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.05% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
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