PFSI:NYE-PennyMac Finl Svcs Inc (USD)

COMMON STOCK | Mortgage Finance |

Last Closing

USD 116.17

Change

-0.39 (-0.33)%

Market Cap

USD 5.69B

Volume

0.34M

Analyst Target

USD 67.86
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

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.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-09-18 )

Largest Industry Peers for Mortgage Finance

Symbol Name Price(Change) Market Cap
RKT Rocket Companies Inc

-0.25 (-1.21%)

USD 37.96B
UWMC UWM Holdings Corp

-0.02 (-0.22%)

USD 14.09B
GHLD Guild Holdings Co

+0.14 (+0.84%)

USD 1.01B
LDI Loandepot Inc

-0.19 (-5.96%)

USD 0.94B
VEL Velocity Financial Llc

+0.12 (+0.61%)

USD 0.65B
BETR Better Home & Finance Holding ..

+1.02 (+6.21%)

USD 0.25B
ONIT Onity Group Inc.

-0.14 (-0.48%)

USD 0.22B
CNF CNFinance Holdings Ltd

N/A

USD 0.07B
IOR Income Opportunity Realty Inve..

N/A

USD 0.07B
AAMC Altisource Asset Management Co..

N/A

USD 3.19M

ETFs Containing PFSI

WTED:F WisdomTree Emerging Marke.. 0.83 % 0.00 %

N/A

USD 0.04B
WTED:XETRA WisdomTree Emerging Marke.. 0.80 % 0.00 %

-0.04 (0.00%)

USD 0.04B
DGSE:SW WisdomTree Emerging Marke.. 0.78 % 0.00 %

N/A

N/A
RAYE Rayliant Quantamental Eme.. 0.00 % 0.00 %

-0.01 (0.00%)

USD 0.06B

Market Performance

  Market Performance vs. Industry/Classification (Mortgage Finance) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 31.46% 92% A 92% A
Dividend Return 0.79% 20% F 19% F
Total Return 32.25% 92% A 91% A-
Trailing 12 Months  
Capital Gain 69.10% 83% B 96% N/A
Dividend Return 1.31% 20% F 19% F
Total Return 70.41% 83% B 95% A
Trailing 5 Years  
Capital Gain 268.68% 100% F 96% N/A
Dividend Return 13.20% 50% F 49% F
Total Return 281.88% 100% F 96% N/A
Average Annual (5 Year Horizon)  
Capital Gain 32.14% 87% B+ 90% A-
Dividend Return 33.76% 87% B+ 90% A-
Total Return 1.63% 44% F 37% F
Risk Return Profile  
Volatility (Standard Deviation) 44.07% 40% F 21% F
Risk Adjusted Return 76.60% 100% F 89% A-
Market Capitalization 5.69B 82% B 79% B-

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.