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PennyMac Financial Services, Inc.
PFSI
NYSE·Financial Services·Financial - Mortgages·Mkt cap $4.4B
$83.47
▼ -1.60%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$77.67 - $160.36
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 17.4% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Vertically integrated business model capturing value across origination, servicing, and investment management
- Established servicing portfolio generating recurring, stable revenue streams independent of origination volume
- Operational expertise in loss mitigation, default management, and non-performing loan resolution
- Direct access to mortgage investment opportunities through integrated investment management platform
Bear Case
1 risk
- Average volatility.
Growth
Revenue decline expected
Mortgage origination volume expansion driven by housing demand and market share gains
Value
Fairly valued vs Mortgage Banking & Lending peers
Momentum
Weak
-5.8% over 3m
Quality
Excellent
Strong fundamentals
Dividend
Modest
1.41% yield
Smart-money signal
Who's buying PFSI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 20, 2026
MAY 5, 2026
Reported EPS of $2.19 vs $2.22 consensus (-1.4% surprise). Revenue of $545.0M vs $546.2M expected (-0.2%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-1.4%
Next: Apr 20, 2026
Revenue trend · last 8Q
—
—
-55%
+114%
+30%
+97%
+389%
-49%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$715.4M
$194.2M
$242.0M
$1.1B
$931.6M
$882.8M
$1.2B
$545.0M
Margins · last 8Q
Gross
—
Operating
—
Profit
15.1%
Wall Street consensus
4 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
$110.00
▲ +31.8% vs $83.47
Latest: Piper Sandler · Jul 2, 2026
3 analysts covering