Top MarketRank™ StocksTop MarketRank™NYSE:PFSI PennyMac Financial Services (PFSI) Stock Price, News & Analysis $94.14 -0.83 (-0.87%) Closing price 07/30/2025 03:59 PM EasternExtended Trading$97.50 +3.36 (+3.57%) As of 04:05 AM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSustainabilityTrendsBuy This Stock About PennyMac Financial Services Stock (NYSE:PFSI) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get PFSI alerts:Sign Up Key Stats Today's Range$93.25▼$96.1050-Day Range$92.83▼$104.2252-Week Range$85.74▼$119.13Volume565,624 shsAverage Volume430,708 shsMarket Capitalization$4.86 billionP/E Ratio13.06Dividend Yield1.27%Price Target$118.67Consensus RatingModerate Buy Company Overview PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through three segments: Production, Servicing, and Investment Management. The Production segment is involved in the origination, acquisition, and sale of loans. This segment sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan servicing for both newly originated loans that are under holding for sale and loans services for others. The segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; counsels delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities, such as modification and forbearance programs. The Investment Management segment is involved in sourcing, performing diligence, bidding, and closing investment asset acquisitions; managing correspondent production activities for PennyMac Mortgage Investment Trust; and managing acquired assets. The company was founded in 2008 and is headquartered in Westlake Village, California. Read More PennyMac Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks99th Percentile Overall ScorePFSI MarketRank™: PennyMac Financial Services scored higher than 99% of companies evaluated by MarketBeat, and ranked 16th out of 937 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion4.4 / 5Analyst RatingModerate Buy Consensus RatingPennyMac Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.83, and is based on 5 buy ratings, 1 hold rating, and no sell ratings.Amount of Analyst CoveragePennyMac Financial Services has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.Read more about PennyMac Financial Services' stock forecast and price target. Earnings and Valuation3.1 / 5Proj. Earnings Growth17.28% Earnings GrowthEarnings for PennyMac Financial Services are expected to grow by 17.28% in the coming year, from $13.77 to $16.15 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of PennyMac Financial Services is 13.06, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.63.Price to Earnings Ratio vs. SectorThe P/E ratio of PennyMac Financial Services is 13.06, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.Price to Book Value per Share RatioPennyMac Financial Services has a P/B Ratio of 1.26. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted3.27% of the float of PennyMac Financial Services has been sold short.Short Interest Ratio / Days to CoverPennyMac Financial Services has a short interest ratio ("days to cover") of 4.2.Change versus previous monthShort interest in PennyMac Financial Services has recently decreased by 4.73%, indicating that investor sentiment is improving. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldPennyMac Financial Services pays a meaningful dividend of 1.26%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthPennyMac Financial Services has only been increasing its dividend for 1 years.Dividend CoverageThe dividend payout ratio of PennyMac Financial Services is 16.64%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, PennyMac Financial Services will have a dividend payout ratio of 7.43% next year. This indicates that PennyMac Financial Services will be able to sustain or increase its dividend.Read more about PennyMac Financial Services' dividend. Sustainability and ESG2.8 / 5Environmental Score-1.38 Percentage of Shares Shorted3.27% of the float of PennyMac Financial Services has been sold short.Short Interest Ratio / Days to CoverPennyMac Financial Services has a short interest ratio ("days to cover") of 4.2.Change versus previous monthShort interest in PennyMac Financial Services has recently decreased by 4.73%, indicating that investor sentiment is improving. News and Social Media1.8 / 5News Sentiment0.21 News SentimentPennyMac Financial Services has a news sentiment score of 0.21. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.95 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 16 news articles for PennyMac Financial Services this week, compared to 5 articles on an average week. Company Ownership2.5 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, PennyMac Financial Services insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $3,616,005.00 in company stock.Percentage Held by Insiders15.80% of the stock of PennyMac Financial Services is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by Institutions57.87% of the stock of PennyMac Financial Services is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about PennyMac Financial Services' insider trading history. Receive PFSI Stock News and Ratings via Email Sign-up to receive the latest news and ratings for PennyMac Financial Services and its competitors with MarketBeat's FREE daily newsletter. Email Address PFSI Stock News HeadlinesPennyMac Financial Services, Inc. (NYSE:PFSI) CEO Sells $504,050.00 in StockJuly 9, 2025 | insidertrades.comUBS Group Cuts PennyMac Financial Services (NYSE:PFSI) Price Target to $110.00July 27, 2025 | americanbankingnews.comForget Nvidia, This “Ghost Town” Company Holds the Key to the AI BoomCold War Discovery Could Unlock $100 Trillion in Wealth Jeff recently traveled to an American ghost town to investigate this crazy Cold War story… Because it could hold the key to the entire $100 trillion AI boom. It involves an American ghost town with just 30 people… And a new twist to the AI boom that could make a lot of people rich. | Brownstone Research (Ad)PFSI Q2 Deep Dive: Margin Compression, Channel Shifts, and AI Initiatives Shape ResultsJuly 25, 2025 | finance.yahoo.comWells Fargo & Company Lowers PennyMac Financial Services (NYSE:PFSI) Price Target to $115.00July 25, 2025 | americanbankingnews.comPiper Sandler Issues Pessimistic Forecast for PennyMac Financial Services (NYSE:PFSI) Stock PriceJuly 25, 2025 | americanbankingnews.comPennyMac Financial Services, Inc. (NYSE:PFSI) Q2 2025 Earnings Call TranscriptJuly 24, 2025 | msn.comPennyMac Financial Services (NYSE:PFSI) Shares Gap Down Following Weak EarningsJuly 24, 2025 | americanbankingnews.comSee More Headlines PFSI Stock Analysis - Frequently Asked Questions How have PFSI shares performed this year? PennyMac Financial Services' stock was trading at $102.14 on January 1st, 2025. Since then, PFSI stock has decreased by 7.8% and is now trading at $94.14. How were PennyMac Financial Services' earnings last quarter? PennyMac Financial Services, Inc. (NYSE:PFSI) announced its quarterly earnings data on Tuesday, July, 22nd. The real estate investment trust reported $1.02 earnings per share for the quarter, missing the consensus estimate of $3.01 by $1.99. The business's revenue was up 9.5% compared to the same quarter last year. Read the conference call transcript. Who are PennyMac Financial Services' major shareholders? PennyMac Financial Services' top institutional shareholders include Allianz Asset Management GmbH (0.14%), TD Asset Management Inc (0.13%), Twin Tree Management LP and QRG Capital Management Inc. (0.03%). Insiders that own company stock include Daniel Stanley Perotti, David Spector, Joseph F Mazzella, Gregory L Hendry, Patrick Kinsella, William Herbert Chang, James K Hunt, Derek Stark, Doug Jones, Steven Richard Bailey, James Follette, Donald J White, Abbie Tidmore, Mark Elbaum and Anne Mccallion. View institutional ownership trends. How do I buy shares of PennyMac Financial Services? Shares of PFSI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of PennyMac Financial Services own? Based on aggregate information from My MarketBeat watchlists, some other companies that PennyMac Financial Services investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Broadcom (AVGO), Adobe (ADBE), ServiceNow (NOW) and Arista Networks (ANET). Company Calendar Record date for 5/23 Dividend5/14/2025Ex-Dividend for 5/23 Dividend5/14/2025Dividend Payable5/23/2025Last Earnings7/22/2025Today7/30/2025Record date for 8/22 Dividend8/13/2025Ex-Dividend for 8/22 Dividend8/13/2025Dividend Payable8/22/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry FIN - MTG&REL SVS Sub-IndustryBanking Current SymbolNYSE:PFSI CIK1745916 Webwww.pennymacfinancial.com Phone(818) 224-7442FaxN/AEmployees4,100Year Founded2008Price Target and Rating Average Price Target for PennyMac Financial Services$118.67 High Price Target$130.00 Low Price Target$110.00 Potential Upside/Downside+26.1%Consensus RatingModerate Buy Rating Score (0-4)2.83 Research Coverage6 Analysts Profitability EPS (Trailing Twelve Months)$7.21 Trailing P/E Ratio13.06 Forward P/E Ratio6.84 P/E GrowthN/ANet Income$311.42 million Net Margins22.00% Pretax Margin26.84% Return on Equity12.34% Return on Assets1.94% Debt Debt-to-Equity Ratio2.96 Current Ratio0.30 Quick Ratio0.30 Sales & Book Value Annual Sales$1.59 billion Price / Sales3.05 Cash Flow$13.76 per share Price / Cash Flow6.84 Book Value$74.54 per share Price / Book1.26Miscellaneous Outstanding Shares51,660,000Free Float43,501,000Market Cap$4.86 billion OptionableOptionable Beta1.53 Social Links 7 Stocks That Could Be Bigger Than Tesla, Nvidia, and GoogleLooking for the next FAANG stock before everyone has heard about it? 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