PennyMac Finl Svcs Inc (PFSI)
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This stock currently matches 4 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 76.40 $ — 1% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
4/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 17.3%
- Exp. sales growth 3Y > 5% -19.7%
- EBIT growth 10Y > 5% 16.5%
- Exp. EBIT growth 3Y > 5% 9.3%
- Net debt < 4x EBIT 14.8x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 69.3%
- Return on equity > 15% –
- ROCE > 15% 11.5%
- Expected return > 10% -29.6%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
8 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 23.4% passed
- More than 10% revenue growth is expected for the coming year 21.1% passed
- Share count grows by less than 3% a year -1.3% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 141.5% passed
- Gross margin at 40% or higher and without meaningful erosion 91.4% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 14.1 x EBITDA failed
- Operating cash flow covers the profits of the last three years -8,473 m failed
- Return on capital at 15% or higher, or up versus two years ago 11.5% passed
- Insiders hold at least 10% or are net buyers 34.6% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 21.3% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 8
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 7.52 | 6.70 – 9.15 | 2,215 | -39.4% | 6 |
| 12/31/2027 | 11.10 | 9.22 – 12.11 | 2,816 | 47.6% | 6 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.95 | – | 470 | -11.70 | 22.20 | -2,149 | -2,156 |
| 2025: Q1 | 1.42 | 92.20 | 1,070 | 113.90 | 7.10 | 1,066 | 1,058 |
| 2025: Q2 | 2.54 | 37.80 | 932 | 30.20 | 14.60 | -131 | -142 |
| 2025: Q3 | 3.37 | 159.80 | 883 | 114.40 | 20.60 | -697 | -708 |
| 2025: Q4 | 1.97 | 1.10 | 1,183 | 151.70 | 9.00 | -1,630 | -1,638 |
| 2026: Q1 | 1.53 | 7.40 | 545 | -49.10 | 15.10 | -1,245 | -1,247 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 1,038 | 383 | 66 | 0.86 | -939 | 347 | 5,134 |
| 2017 | 1,100 | 336 | 101 | 1.28 | -884 | 469 | 7,368 |
| 2018 | 1,129 | 268 | 88 | 2.48 | 572 | 1,654 | 7,479 |
| 2019 | 1,680 | 529 | 393 | 4.89 | -2,245 | 2,062 | 10,204 |
| 2020 | 3,953 | 2,241 | 1,647 | 20.92 | -6,199 | 3,389 | 31,598 |
| 2021 | 3,559 | 1,359 | 1,003 | 14.87 | 2,563 | 3,418 | 18,777 |
| 2022 | 2,321 | 689 | 476 | 8.50 | 6,033 | 3,471 | 16,823 |
| 2023 | 1,402 | 710 | 145 | 2.74 | -1,582 | 3,539 | 18,845 |
| 2024 | 1,594 | 901 | 311 | 5.84 | -4,533 | 3,830 | 26,087 |
| 2025 | 4,364 | 1,512 | 501 | 9.30 | -1,400 | 4,309 | 29,389 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
PennyMac Financial Services, Inc. befasst sich über ihre Tochtergesellschaften mit Hypothekenbankgeschäften und Anlageverwaltungstätigkeiten in den USA.
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 5,500 |
| Headquarters | Westlake Village, CA |
| Address | 3043 Townsgate Road, 91361 Westlake Village, United States |
| Phone | 818 224 7442 |
| Website | pfsi.pennymac.com |
| IPO Date | 9. May 2013 |
| ISIN | US70932M1071 |
Management
| Name | Title | Birth Year |
|---|---|---|
| David A. Spector | CEO & Chairman | 1963 |
| Douglas Edward Jones | President, Chief Mortgage Banking Officer & Director | 1957 |
| Daniel Stanley Perotti | Senior MD & CFO | 1981 |
| Derek W. Stark J.D. | Senior MD, Chief Legal Officer & Secretary | 1968 |
| James Follette | Senior MD & Chief Digital Officer | 1972 |
| Marshall Dulles Sebring | Senior MD & Chief Investment Officer | 1980 |
| Gregory L. Hendry | Chief Accounting Officer | 1961 |
| Mike Hogan | Senior MD & Chief Information Officer | – |
| Kevin Chamberlain | Managing Director of Investor Relations | – |
| Susan Hallock Smith | Senior MD & Chief Marketing Officer | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.