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PennyMac Financial Services (PFSI) Competitors

PennyMac Financial Services logo
$102.41 -0.30 (-0.29%)
As of 07/3/2025 03:30 PM Eastern

PFSI vs. CFG, BAP, SOFI, BCH, WF, ALLY, BSAC, CHYM, CIB, and COOP

Should you be buying PennyMac Financial Services stock or one of its competitors? The main competitors of PennyMac Financial Services include Citizens Financial Group (CFG), Credicorp (BAP), SoFi Technologies (SOFI), Banco De Chile (BCH), Woori Bank (WF), Ally Financial (ALLY), Banco Santander Chile (BSAC), Chime Financial (CHYM), BanColombia (CIB), and Mr. Cooper Group (COOP). These companies are all part of the "banking" industry.

PennyMac Financial Services vs. Its Competitors

Citizens Financial Group (NYSE:CFG) and PennyMac Financial Services (NYSE:PFSI) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, institutional ownership, profitability, media sentiment, risk, valuation and earnings.

Citizens Financial Group has higher revenue and earnings than PennyMac Financial Services. Citizens Financial Group 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Citizens Financial Group$12.36B1.69$1.51B$3.1515.15
PennyMac Financial Services$1.59B3.32$311.42M$6.5215.71

Citizens Financial Group has a beta of 0.76, meaning that its stock price is 24% less volatile than the S&P 500. Comparatively, PennyMac Financial Services has a beta of 1.53, meaning that its stock price is 53% more volatile than the S&P 500.

Citizens Financial Group currently has a consensus price target of $48.68, suggesting a potential upside of 2.02%. PennyMac Financial Services has a consensus price target of $120.67, suggesting a potential upside of 17.83%. Given PennyMac Financial Services' stronger consensus rating and higher probable upside, analysts clearly believe PennyMac Financial Services is more favorable than Citizens Financial Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Financial Group
0 Sell rating(s)
6 Hold rating(s)
11 Buy rating(s)
1 Strong Buy rating(s)
2.72
PennyMac Financial Services
0 Sell rating(s)
1 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.83

In the previous week, Citizens Financial Group had 17 more articles in the media than PennyMac Financial Services. MarketBeat recorded 22 mentions for Citizens Financial Group and 5 mentions for PennyMac Financial Services. Citizens Financial Group's average media sentiment score of 1.10 beat PennyMac Financial Services' score of -0.03 indicating that Citizens Financial Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Citizens Financial Group
15 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
PennyMac Financial Services
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
1 Very Negative mention(s)
Neutral

94.9% of Citizens Financial Group shares are held by institutional investors. Comparatively, 57.9% of PennyMac Financial Services shares are held by institutional investors. 0.7% of Citizens Financial Group shares are held by company insiders. Comparatively, 15.8% of PennyMac Financial Services shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

PennyMac Financial Services has a net margin of 20.27% compared to Citizens Financial Group's net margin of 12.76%. PennyMac Financial Services' return on equity of 14.78% beat Citizens Financial Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Citizens Financial Group12.76% 6.84% 0.70%
PennyMac Financial Services 20.27%14.78%2.37%

Citizens Financial Group pays an annual dividend of $1.68 per share and has a dividend yield of 3.5%. PennyMac Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 1.2%. Citizens Financial Group pays out 53.3% of its earnings in the form of a dividend. PennyMac Financial Services pays out 18.4% 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 increased its dividend for 1 consecutive years.

Summary

PennyMac Financial Services beats Citizens Financial Group on 12 of the 20 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding PFSI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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PFSI vs. The Competition

MetricPennyMac Financial ServicesFIN IndustryFinance SectorNYSE Exchange
Market Cap$5.29B$5.06B$12.09B$20.68B
Dividend Yield1.17%4.28%5.53%3.71%
P/E Ratio15.719.5620.0528.10
Price / Sales3.322.3225.6038.21
Price / Cash7.3818.9821.6822.53
Price / Book1.371.932.284.58
Net Income$311.42M$1.82B$1.00B$986.06M
7 Day Performance2.84%3.41%2.25%2.79%
1 Month Performance7.79%12.25%4.63%5.46%
1 Year Performance10.70%294.78%538.61%15.06%

PennyMac Financial Services Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
PFSI
PennyMac Financial Services
4.7492 of 5 stars
$102.41
-0.3%
$120.67
+17.8%
+9.0%$5.29B$1.59B15.714,100News Coverage
Analyst Forecast
CFG
Citizens Financial Group
4.891 of 5 stars
$42.53
+2.0%
$47.89
+12.6%
+32.4%$18.23B$12.36B13.5017,287Positive News
Analyst Forecast
BAP
Credicorp
4.1335 of 5 stars
$215.84
-1.2%
$211.00
-2.2%
+40.3%$17.37B$7.00B11.7438,000News Coverage
Positive News
SOFI
SoFi Technologies
2.0774 of 5 stars
$15.36
+1.1%
$14.73
-4.1%
+184.3%$16.80B$2.67B37.465,000Trending News
BCH
Banco De Chile
2.3844 of 5 stars
$29.12
-0.8%
$23.00
-21.0%
+29.1%$14.83B$4.21B10.1811,614Positive News
WF
Woori Bank
3.7235 of 5 stars
$46.12
+0.1%
N/A+56.1%$11.40B$19.04B5.8813,279News Coverage
ALLY
Ally Financial
4.564 of 5 stars
$37.02
+0.2%
$41.88
+13.1%
+1.9%$11.35B$8.18B27.2210,700News Coverage
Positive News
Analyst Forecast
BSAC
Banco Santander Chile
3.4709 of 5 stars
$23.67
-0.6%
$23.00
-2.8%
+32.6%$11.22B$4.72B10.338,757Positive News
High Trading Volume
CHYM
Chime Financial
N/A$29.76
+0.8%
N/AN/A$10.76BN/A0.001,465News Coverage
Analyst Forecast
Analyst Revision
CIB
BanColombia
1.8409 of 5 stars
$42.65
-1.2%
$39.00
-8.6%
+39.4%$10.38B$10.55B6.8334,114
COOP
Mr. Cooper Group
4.3164 of 5 stars
$152.34
+2.2%
$131.14
-13.9%
+85.8%$9.54B$2.23B17.317,900Analyst Forecast
Insider Trade

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This page (NYSE:PFSI) was last updated on 7/5/2025 by MarketBeat.com Staff
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