Price
$77.41-5.00%Social Signal Score
Analyst Ratings
21 analystsRevenue
$972.18M+204.84%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- David A. Spector
- Sector
- Financial Services
- Industry
- Financial - Mortgages
- Employees
- 5,543
- Beta
- 1.45
- Country
- US
- Piotroski score
- 4 / 9 (Middling)
- Altman Z-score
- -0.14
Financials
Revenue
$972.18M+204.8%Net Income
$21.73M-8.3%EBITDA
$50.36M-76.9%Free Cash Flow
$2.04BEPS (diluted)
$0.41-61.3%Shares Outstanding (diluted)
53.25M-30.3%Operating Expenses
$96.51MCash & Debt
$748.00MReturn of Capital
$15.88MRevenue by Segment (annual)
$2.00BDividend per Share
$0.30Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $4.42B | $501.08M | $9.69 |
| 2024 | $2.85B | $311.42M | $6.11 |
| 2023 | $2.04B | $144.66M | $2.89 |
| 2022 | $2.32B | $475.51M | $8.96 |
| 2021 | $3.56B | $1.00B | $15.73 |
| 2020 | $3.95B | $1.65B | $21.91 |
| 2019 | $1.68B | $392.96M | $5.02 |
| 2018 | $1.14B | $87.69M | $2.59 |
| 2017 | $1.08B | $100.76M | $4.34 |
| 2016 | $1.01B | $66.08M | $2.98 |
| 2015 | $778.07M | $47.23M | $2.17 |
| 2014 | $526.88M | $36.84M | $1.73 |
| 2013 | $405.61M | $14.40M | $0.83 |
| 2012 | $272.96M | $118.32M | $10.65 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from PFSI's reported EPS growth of -0.7% a year over 13 years.
- EPS in 5 years
- $9.35
- Implied price
- $130.93
- Return from $60.91
- 16.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $65.10 — today's price is already 6.4% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 10 | 12 | 14 | 16 | 18 |
|---|---|---|---|---|---|
| -10.7% | -2.0% | 1.6% | 4.8% | 7.6% | 10.2% |
| -5.7% | 3.5% | 7.3% | 10.7% | 13.7% | 16.4% |
| -0.7% | 9.0% | 13.0% | 16.5% | 19.7% | 22.5% |
| 4.3% | 14.4% | 18.7% | 22.4% | 25.7% | 28.7% |
| 9.3% | 19.9% | 24.4% | 28.3% | 31.7% | 34.9% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
90-25.00%Social Signal Score
Mentions (3)
- Newsbusinesswire.com·5h ago·Negative
…Financial Services, Inc. Announces Date for Release of Third Quarter 2026 Results WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--PennyMac Financial Services, Inc. (NYSE: PFSI) will announce results for the quarter ended September 30, 2026, in a news release to be issued after the market close on Thursday, October 29, 2026. Management will also host a conference call and live audio webcast at 5:00 p.m. Eastern Time to review the results.The release, webcast, and accompanying materials will be availab…
View source ↗ - Newsbusinesswire.com·2d ago·Negative
…al Services, Inc. Live with VantageScore 4.0 Across All Three Production Channels WESTLAKE VILLAGE, Calif.--(BUSINESS WIRE)--PennyMac Financial Services, Inc. (NYSE: PFSI) (Pennymac or the company), one of America's leading U.S. mortgage lenders and servicers, today announced it has completed deployment of VantageScore® 4.0 across its entire production platform, including consumer direct, broker direct, and correspondent channels. "We intend to be at the vanguard of credit score modernization be…
View source ↗ - Newsseekingalpha.com·22d ago·Positive
PennyMac Financial Services, Inc. (PFSI) Presents at Barclays 24th Annual Global Financial Services Conference Transcript PennyMac Financial Services, Inc. (PFSI) Presents at Barclays 24th Annual Global Financial Services Conference Transcript
View source ↗
Earnings
Tue, Oct 20(in 11 days)
Consensus estimate $1.45 per share
Typical surprise -34.1% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Jul 29$1.39 vs $2.11miss
- Tue, May 5$2.19 vs $2.22miss
- Thu, Jan 29$1.97 vs $3.23miss
- Tue, Oct 21$3.37 vs $2.70beat
- Tue, Jul 22$1.02 vs $3.01miss
- Tue, Apr 22$1.42 vs $2.99miss
Estimates and results for PFSI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by PFSI officers and directors.
- Bought
- —
- Sold
- $6.2m
0 trades
23 trades
- Hendry Gregory Lsold
- Hendry Gregory Lsold
- Perotti Daniel Stanleysold
- Spector Davidsold
- Spector Davidsold
- Spector Davidsold
- Spector Davidsold
- Spector Davidsold
77 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in PFSI.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.