PFSI:NYE-PennyMac Finl Svcs Inc (USD)

COMMON STOCK | Mortgage Finance |

Last Closing

USD 94.99

Change

+0.04 (+0.04)%

Market Cap

USD 4.89B

Volume

0.25M

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 two segments, Production and Servicing. 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 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; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs. 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)

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Relative Returns (From:    To: 2025-06-05 )

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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 -7.00% 50% F 25% F
Dividend Return 0.29% 50% F 9% A-
Total Return -6.71% 50% F 23% F
Trailing 12 Months  
Capital Gain 4.88% 91% A- 60% D-
Dividend Return 0.99% 25% F 21% F
Total Return 5.87% 91% A- 54% F
Trailing 5 Years  
Capital Gain 169.55% 100% F 90% A-
Dividend Return 11.35% 50% F 32% F
Total Return 180.90% 100% F 90% A-
Average Annual (5 Year Horizon)  
Capital Gain 19.10% 86% B+ 84% B
Dividend Return 20.54% 86% B+ 84% B
Total Return 1.45% 20% F 34% F
Risk Return Profile  
Volatility (Standard Deviation) 26.28% 57% F 35% F
Risk Adjusted Return 78.17% 100% F 86% B+
Market Capitalization 4.89B 80% B- 77% C+

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 Dividend Growth

This stock has shown top quartile dividend 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.