PennyMac Financial Services (PFSI) Competitors

PennyMac Financial Services (NYSE:PFSI) and Banco Santander (Brasil) (NYSE:BSBR) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, community ranking, dividends, valuation, earnings, analyst recommendations, media sentiment, risk and institutional ownership.

Which has higher earnings and valuation, PFSI or BSBR?

Banco Santander (Brasil) has higher revenue and earnings than PennyMac Financial Services. Banco Santander (Brasil) is trading at a lower price-to-earnings ratio than PennyMac Financial Services, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PennyMac Financial Services	$2.98B	1.69	$311.42M	$6.52	14.93
Banco Santander (Brasil)	$49.01B	0.41	$1.89B	$0.81	6.73

Is PFSI or BSBR a better dividend stock?

PennyMac Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 1.2%. Banco Santander (Brasil) pays an annual dividend of $0.18 per share and has a dividend yield of 3.3%. PennyMac Financial Services pays out 18.4% of its earnings in the form of a dividend. Banco Santander (Brasil) pays out 22.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. PennyMac Financial Services has raised its dividend for 1 consecutive years.

Does the media refer more to PFSI or BSBR?

In the previous week, Banco Santander (Brasil) had 6 more articles in the media than PennyMac Financial Services. MarketBeat recorded 7 mentions for Banco Santander (Brasil) and 1 mentions for PennyMac Financial Services. PennyMac Financial Services' average media sentiment score of 1.67 beat Banco Santander (Brasil)'s score of 1.28 indicating that PennyMac Financial Services is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
PennyMac Financial Services	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Banco Santander (Brasil)	3 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do institutionals and insiders believe in PFSI or BSBR?

57.9% of PennyMac Financial Services shares are owned by institutional investors. Comparatively, 14.5% of Banco Santander (Brasil) shares are owned by institutional investors. 15.8% of PennyMac Financial Services shares are owned by company insiders. Comparatively, 0.1% of Banco Santander (Brasil) shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Do analysts rate PFSI or BSBR?

PennyMac Financial Services currently has a consensus price target of $121.17, suggesting a potential upside of 24.45%. Banco Santander (Brasil) has a consensus price target of $5.35, suggesting a potential downside of 1.92%. Given PennyMac Financial Services' stronger consensus rating and higher probable upside, analysts plainly believe PennyMac Financial Services is more favorable than Banco Santander (Brasil).

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PennyMac Financial Services	0 Sell rating(s)	1 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.83
Banco Santander (Brasil)	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the MarketBeat Community favor PFSI or BSBR?

PennyMac Financial Services received 126 more outperform votes than Banco Santander (Brasil) when rated by MarketBeat users. Likewise, 64.16% of users gave PennyMac Financial Services an outperform vote while only 55.44% of users gave Banco Santander (Brasil) an outperform vote.

Company	Underperform	Outperform
PennyMac Financial Services	Outperform Votes 401 64.16%	Underperform Votes 224 35.84%
Banco Santander (Brasil)	Outperform Votes 275 55.44%	Underperform Votes 221 44.56%

Which has more volatility and risk, PFSI or BSBR?

PennyMac Financial Services has a beta of 1.55, suggesting that its share price is 55% more volatile than the S&P 500. Comparatively, Banco Santander (Brasil) has a beta of 0.76, suggesting that its share price is 24% less volatile than the S&P 500.

Is PFSI or BSBR more profitable?

PennyMac Financial Services has a net margin of 19.54% compared to Banco Santander (Brasil)'s net margin of 0.00%. PennyMac Financial Services' return on equity of 16.61% beat Banco Santander (Brasil)'s return on equity.

Company	Net Margins	Return on Equity	Return on Assets
PennyMac Financial Services	19.54%	16.61%	2.72%
Banco Santander (Brasil)	N/A	N/A	N/A

Summary

PennyMac Financial Services beats Banco Santander (Brasil) on 17 of the 21 factors compared between the two stocks.