PennyMac Financial Services (PFSI) Stock Price, News & Analysis

Company Overview

PennyMac Financial Services, Inc. (NYSE: PFSI) is a leading mortgage banking company based in Westlake Village, California. The firm operates through two primary business segments: Production and Mortgage Servicing Rights (MSR). In its Production segment, PennyMac originates residential mortgage loans through retail, wholesale and correspondent channels, focusing on both purchase and refinance transactions. The MSR segment involves the acquisition and servicing of mortgage loans, whereby the company earns fees for managing loan portfolios on behalf of investors.

Since its founding in 2008, PennyMac has grown through a combination of organic origination and strategic acquisition of servicing rights, positioning itself as one of the largest residential mortgage loan servicers in the United States. The company completed its initial public offering in 2013 and has since expanded its capabilities to offer a full suite of mortgage products, including government-insured loans, conventional conforming loans and customized refinancing options. PennyMac’s platform integrates underwriting, closing, loan management and customer service functions to provide a streamlined borrower experience.

PennyMac serves homeowners and homebuyers in all 50 states, leveraging advanced technology and a nationwide network of fulfillment centers. The company’s leadership team is led by President and CEO David Spector, who brings extensive experience in mortgage finance and capital markets. Under his direction, PennyMac has strengthened its risk management practices, enhanced its digital origination platform and maintained a diversified servicing portfolio. Through its focus on operational efficiency and customer satisfaction, PennyMac continues to be a significant participant in the U.S. residential mortgage market.

Key Stats

• Today's Range: $121.33 to $124.07
• 50-Day Range: $93.20 to $121.02
• 52-Week Range: $85.74 to $124.07
• Volume: 36,499 shs
• Average Volume: 380,740 shs
• Market Capitalization: $6.31 billion
• P/E Ratio: 16.95
• Dividend Yield: 0.98%
• Price Target: $119.33
• Consensus Rating: Moderate Buy

PennyMac Financial Services Stock Analysis - MarketRank™

PennyMac Financial Services scored higher than 92% of companies evaluated by MarketBeat, and ranked 103rd out of 919 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

PennyMac 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.

Upside/Downside

The consensus price target for PennyMac Financial Services is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

PennyMac Financial Services has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 17.28%

Earnings Growth

Earnings 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 Market

The P/E ratio of PennyMac Financial Services is 16.75, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 279.22.

Price to Earnings Ratio vs. Sector

The P/E ratio of PennyMac Financial Services is 16.75, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 231.57.

Price to Book Value per Share Ratio

PennyMac Financial Services has a P/B Ratio of 1.62. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.41% of the float of PennyMac Financial Services has been sold short.

Short Interest Ratio / Days to Cover

PennyMac Financial Services has a short interest ratio ("days to cover") of 4.3.

Change versus previous month

Short interest in PennyMac Financial Services has recently decreased by 7.18%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

PennyMac Financial Services has a dividend yield of 0.99%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

PennyMac Financial Services has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of PennyMac Financial Services is 16.64%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based 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.

Sustainability and ESG

• Score: 2.8 / 5
• Environmental Score: -1.38

Percentage of Shares Shorted

3.41% of the float of PennyMac Financial Services has been sold short.

Short Interest Ratio / Days to Cover

PennyMac Financial Services has a short interest ratio ("days to cover") of 4.3.

Change versus previous month

Short interest in PennyMac Financial Services has recently decreased by 7.18%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.55

News Sentiment

PennyMac Financial Services has a news sentiment score of 0.55. 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 1.10 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 20 news articles for PennyMac Financial Services this week, compared to 6 articles on an average week.

Search Interest

1 people have searched for PFSI on MarketBeat in the last 30 days.

MarketBeat Follows

1 people have added PennyMac Financial Services to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In 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 $3,787,366.00 in company stock.

Percentage Held by Insiders

15.80% 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 Institutions

57.87% 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.

PFSI Stock Analysis - Frequently Asked Questions

How have PFSI shares performed this year?

PennyMac Financial Services' stock was trading at $102.14 at the start of the year. Since then, PFSI shares have increased by 18.2% and is now trading at $120.77.

How were PennyMac Financial Services' earnings last quarter?

PennyMac Financial Services, Inc. (NYSE:PFSI) released its quarterly earnings results on Tuesday, July, 22nd. The real estate investment trust reported $1.02 EPS for the quarter, missing analysts' consensus estimates of $3.01 by $1.99. The company'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 Invesco Ltd. (2.39%), State Street Corp (1.72%), JPMorgan Chase & Co. (1.40%) and Geode Capital Management LLC (1.40%). 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

• Last Earnings: 7/22/2025
• Record date for 8/22 Dividend: 8/13/2025
• Ex-Dividend for 8/22 Dividend: 8/13/2025
• Dividend Payable: 8/22/2025
• Today: 9/09/2025
• Next Earnings (Estimated): 10/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MTG&REL SVS
• Sub-Industry: Banking
• Current Symbol: NYSE:PFSI
• CIK: 1745916
• Web: www.pennymacfinancial.com
• Phone: (818) 224-7442
• Fax: N/A
• Employees: 4,100
• Year Founded: 2008

Price Target and Rating

• Average Price Target for PennyMac Financial Services: $119.33
• High Price Target: $130.00
• Low Price Target: $110.00
• Potential Upside/Downside: -1.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.83
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.21
• Trailing P/E Ratio: 16.75
• Forward P/E Ratio: 8.77
• P/E Growth: N/A
• Net Income: $311.42 million
• Net Margins: 22.00%
• Pretax Margin: 22.98%
• Return on Equity: 12.18%
• Return on Assets: 1.95%

Debt

• Debt-to-Equity Ratio: 3.03
• Current Ratio: 0.34
• Quick Ratio: 0.34

Sales & Book Value

• Annual Sales: $1.59 billion
• Price / Sales: 3.92
• Cash Flow: $13.85 per share
• Price / Cash Flow: 8.72
• Book Value: $74.54 per share
• Price / Book: 1.62

Miscellaneous

• Outstanding Shares: 51,710,000
• Free Float: 43,540,000
• Market Cap: $6.25 billion
• Optionable: Optionable
• Beta: 1.51