PFSI:NYE-PennyMac Financial Services Inc. Class A (USD)

EQUITY | Mortgage Finance | New York Stock Exchange

Last Closing

USD 102.97

Change

+0.79 (+0.77)%

Market Cap

USD 0.38B

Volume

0.26M

Analyst Target

USD 67.86
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

PennyMac Financial Services Inc is a specialty financial services company. The Company is engaged in the production and servicing of U.S. residential mortgage loans and the management of investments related to U.S. residential mortgage market.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-12-26 )

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IOR Income Opportunity Realty Inve..

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GHI Greystone Housing Impact Inves..

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ETFs Containing PFSI

RAYE Rayliant Quantamental Eme.. 1.50 % 0.00 %

-0.05 (-0.25%)

USD 0.05B
DGSE:SW WisdomTree Emerging Marke.. 0.78 % 0.00 %

N/A

N/A
EYLD Cambria Emerging Sharehol.. 0.00 % 0.00 %

-0.08 (-0.25%)

USD 0.48B

Market Performance

  Market Performance vs. Industry/Classification (Mortgage Finance) Market Performance vs. Exchange (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 16.52% 91% A- 72% C
Dividend Return 1.13% 20% F 18% F
Total Return 17.65% 91% A- 69% C-
Trailing 12 Months  
Capital Gain 15.67% 82% B 72% C
Dividend Return 1.12% 20% F 18% F
Total Return 16.79% 82% B 68% D+
Trailing 5 Years  
Capital Gain 203.39% 100% F 95% A
Dividend Return 11.61% 50% F 37% F
Total Return 215.00% 100% F 95% A
Average Annual (5 Year Horizon)  
Capital Gain 29.70% 75% C 87% B+
Dividend Return 31.26% 75% C 87% B+
Total Return 1.57% 38% F 38% F
Risk Return Profile  
Volatility (Standard Deviation) 42.36% 67% D+ 23% F
Risk Adjusted Return 73.81% 100% F 84% B
Market Capitalization 0.38B 80% B- 78% C+

Key Financial Ratios

  Ratio vs. Industry/Classification (Mortgage Finance) Ratio vs. Market (New York Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 6.70 38% 22%
Price/Book Ratio 1.39 50% 56%
Price / Cash Flow Ratio -3.29 80% 88%
Price/Free Cash Flow Ratio 48.13 20% 6%
Management Effectiveness  
Return on Equity 4.65% 78% 41%
Return on Invested Capital 4.17% 80% 42%
Return on Assets 0.81% 70% 31%
Debt to Equity Ratio 274.99% 78% 12%

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.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it 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 book value

The stock is trading high compared to its peers median on a price to book value basis.

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.

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.