Price Alert

PennyMac Financial Servic... (PFSI)

NYSE: PFSI · Real-Time Price · USD

107.44

-0.97 (-0.89%)

At close: Aug 15, 2025, 11:51 AM

PennyMac Financial Services Statistics

Share Statistics

PennyMac Financial Services has 51.71M shares outstanding. The number of shares has increased by 0.92% in one year.

Shares Outstanding	51.71M
Shares Change (YoY)	0.92%
Shares Change (QoQ)	0.45%
Owned by Institutions (%)	60.7%
Shares Floating	49.32M
Failed to Deliver (FTD) Shares	735
FTD / Avg. Volume	0.2%

Short Selling Information

The latest short interest is 1.57M, so 3.04% of the outstanding shares have been sold short.

Short Interest	1.57M
Short % of Shares Out	3.04%
Short % of Float	5.44%
Short Ratio (days to cover)	3.7

Valuation Ratios

The PE ratio is 16.72 and the forward PE ratio is 7.1. PennyMac Financial Services's PEG ratio is 0.15.

PE Ratio	16.72
Forward PE	7.1
PS Ratio	3.27
Forward PS	2
PB Ratio	1.36
P/FCF Ratio	-1.14
PEG Ratio	0.15

Financial Ratio History

Enterprise Valuation

PennyMac Financial Services has an Enterprise Value (EV) of 25.52B.

EV / Sales	16.01
EV / EBITDA	53.94
EV / EBIT	-5.63
EV / FCF	-5.6

Financial Position

The company has a current ratio of 1.56, with a Debt / Equity ratio of 5.37.

Current Ratio	1.56
Quick Ratio	1.56
Debt / Equity	5.37
Debt / EBITDA	43.44
Debt / FCF	-4.51
Interest Coverage	1.1

Financial Efficiency

Return on Equity is 8.13% and Return on Invested Capital is 2.86%.

Return on Equity	8.13%
Return on Assets	1.19%
Return on Invested Capital	2.86%
Revenue Per Employee	$357.58K
Profits Per Employee	$69.87K
Employee Count	4,457
Asset Turnover	0.06
Inventory Turnover	n/a

Taxes

Income Tax	89.6M
Effective Tax Rate	22.34%

Stock Price Statistics

The stock price has increased by 4.31% in the last 52 weeks. The beta is 1.5, so PennyMac Financial Services's price volatility has been higher than the market average.

Beta	1.5
52-Week Price Change	4.31%
50-Day Moving Average	97.75
200-Day Moving Average	100.49
Relative Strength Index (RSI)	51.07
Average Volume (20 Days)	370,754

Income Statement

In the last 12 months, PennyMac Financial Services had revenue of 1.59B and earned 311.42M in profits. Earnings per share was 6.11.

Revenue	1.59B
Gross Profit	1.56B
Operating Income	901.03M
Net Income	311.42M
EBITDA	473.17M
EBIT	403.51M
Earnings Per Share (EPS)	6.11

Full Income Statement

Balance Sheet

The company has 238.48M in cash and 20.55B in debt, giving a net cash position of -20.32B.

Cash & Cash Equivalents	238.48M
Total Debt	20.55B
Net Cash	-20.32B
Retained Earnings	3.77B
Total Assets	24.22B
Working Capital	-13.91B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -4.53B and capital expenditures -22.1M, giving a free cash flow of -4.56B.

Operating Cash Flow	-4.53B
Capital Expenditures	-22.1M
Free Cash Flow	-4.56B
FCF Per Share	-89.34

Full Cash Flow Statement

Margins

Gross margin is 97.62%, with operating and profit margins of 56.54% and 19.54%.

Gross Margin	97.62%
Operating Margin	56.54%
Pretax Margin	25.16%
Profit Margin	19.54%
EBITDA Margin	29.69%
EBIT Margin	56.54%
FCF Margin	-285.83%

Dividends & Yields

PFSI pays an annual dividend of $1.5, which amounts to a dividend yield of 1.22%.

Dividend Per Share	$1.50
Dividend Yield	1.22%
Dividend Growth (YoY)	50%
Payout Ratio	20.89%
Earnings Yield	5.98%
FCF Yield	-87.47%

Dividend Details

Analyst Forecast

The average price target for PFSI is $117, which is 17.4% higher than the current price. The consensus rating is "Buy".

Price Target	$117
Price Target Difference	17.4%
Analyst Consensus	Buy
Analyst Count	6

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$30.55
Lynch Upside	-69.34%
Graham Number	101.59
Graham Upside	1.97%

Scores

Altman Z-Score	-0.08
Piotroski F-Score	3