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

Company Overview

PennyMac Financial Services, Inc. (NYSE:PFSI) is a mortgage banking company that provides a range of residential lending and loan servicing services in the United States. The company operates through its subsidiaries and focuses primarily on the production and servicing of conventional and government-insured residential mortgage loans.

PennyMac’s loan production business acquires, originates and refinances mortgage loans through correspondent, broker-direct and consumer-direct channels. Its servicing business manages mortgage payments, escrow accounts, borrower communications, loss mitigation and other administrative functions for loans owned by the company and for third-party investors.

Founded in 2008, PennyMac is headquartered in Westlake Village, California. The company was established by mortgage industry veterans, including Stanford Kurland, and is led by Chief Executive Officer and Chairman David Spector. PennyMac Financial Services is separate from PennyMac Mortgage Investment Trust, an affiliated mortgage real estate investment trust.

Key Stats

• Today's Range: $64.96 to $66.11
• 50-Day Range: $65.22 to $85.93
• 52-Week Range: $64.57 to $160.36
• Volume: 412,241 shs
• Average Volume: 562,083 shs
• Market Capitalization: $3.41 billion
• P/E Ratio: 9.01
• Dividend Yield: 1.83%
• Price Target: $104.88
• Consensus Rating: Hold

PennyMac Financial Services Stock Analysis - MarketRank™

PennyMac Financial Services scored higher than 100% of companies evaluated by MarketBeat, and ranked 18th out of 854 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: 4.1 / 5
• Analyst Rating: Hold

Consensus Rating

PennyMac Financial Services has received a consensus rating of Hold. The company's average rating score is 2.20, and is based on no strong buy ratings, 4 buy ratings, 4 hold ratings, and 2 sell ratings.

Upside Potential

PennyMac Financial Services has a consensus price target of $104.88, representing about 59.8% upside from its current price of $65.62.

Amount of Analyst Coverage

PennyMac Financial Services has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 5.0 / 5
• Proj. Earnings Growth: 52.17%

Earnings Growth

Earnings for PennyMac Financial Services are expected to grow by 52.17% in the coming year, from $7.36 to $11.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of PennyMac Financial Services is 9.01, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of PennyMac Financial Services is 9.01, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.95.

Price to Earnings Growth Ratio

PennyMac Financial Services has a PEG Ratio of 0.62. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

PennyMac Financial Services has a P/B Ratio of 0.79. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.79% 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 5.5.

Change versus previous month

Short interest in PennyMac Financial Services has recently increased by 2.72%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

PennyMac Financial Services pays a meaningful dividend of 1.84%, higher than 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 16.48%. 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 10.71% next year. This indicates that PennyMac Financial Services will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 0.26

News Sentiment

PennyMac Financial Services has a news sentiment score of 0.26. 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 0.70 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for PennyMac Financial Services this week, compared to 6 articles on an average week.

Search Interest

4 people have searched for PFSI on MarketBeat in the last 30 days. This is an increase of 300% compared to the previous 30 days.

MarketBeat Follows

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

Company Ownership

• Score: 1.9 / 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 $189,160.00 in company stock.

Percentage Held by Insiders

15.20% 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.

Company Calendar

• Last Earnings: 7/29/2026
• Record date for 8/27 Dividend: 8/17/2026
• Ex-Dividend for 8/27 Dividend: 8/17/2026
• Dividend Payable: 8/27/2026
• Today: 9/26/2026
• Next Earnings (Estimated): 10/20/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Financial Services
• Sub-Industry: Commercial & Residential Mortgage Finance
• Current Symbol: NYSE:PFSI
• CIK: 1745916
• Web: www.pennymac.com
• Phone: (818) 224-7442
• Fax: N/A
• Employees: 4,900
• Year Founded: 2008

Price Target and Rating

• Average Price Target for PennyMac Financial Services: $104.88
• High Price Target: $160.00
• Low Price Target: $78.00
• Potential Upside/Downside: +59.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.20
• Research Coverage: 10 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.28
• Trailing P/E Ratio: 9.01
• Forward P/E Ratio: 8.92
• P/E Growth: 0.62
• Net Income: $501.08 million
• Net Margins: 17.74%
• Pretax Margin: 22.91%
• Return on Equity: 11.18%
• Return on Assets: 1.65%

Debt

• Debt-to-Equity Ratio: 3.22
• Current Ratio: 0.38
• Quick Ratio: 0.38

Sales & Book Value

• Annual Sales: $2.05 billion
• Price / Sales: 1.67
• Cash Flow: $10.08 per share
• Price / Cash Flow: 6.51
• Book Value: $82.77 per share
• Price / Book: 0.79

Miscellaneous

• Outstanding Shares: 51,950,000
• Free Float: 44,055,000
• Market Cap: $3.41 billion
• Optionable: Optionable
• Beta: 1.44