1AC Stock Chart & Stats
€64.00
€1.00(1.42%)
At close: 4:00 PM EDT
€64.00
€1.00(1.42%)
Day’s Range― - ―
52-Week Range€53.00 - €134.00
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€2.87B
Enterprise Value€19.39B
Total Cash (Recent Filing)€748.00M
Total Debt (Recent Filing)€23.68B
Price to Earnings (P/E)8.2
Beta0.62
Next Earnings
Oct 22, 2026EPS Estimate
1.4Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)7.56
Shares Outstanding51,951,572
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)1.58
Price to Sales (P/S)1.54
P/FCF Ratio-4.83
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€79.24Price Target Upside23.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)4.69
Revenue Forecast (FY)€1.92B
Bulls Say, Bears Say
Bulls Say
Solid Operating ProfitabilityStrong reported profitability gives PennyMac capacity to absorb normal mortgage-market volatility and fund ongoing operations. The combination of a roughly 10% net margin and 31% EBIT margin indicates that its production, servicing, and investment activities retain meaningful earnings power.
Large And Growing Servicing PlatformA large servicing portfolio can provide recurring fee-based revenue and diversify earnings away from mortgage production volumes. Growth to $503 billion of unpaid principal balance strengthens operating scale, supports servicing infrastructure, and expands PennyMac’s base of future servicing cash flows.
Resilient Mortgage ActivitySubstantial acquisition, origination, and lock activity demonstrates that PennyMac continues to access mortgage volume even as rates rise. Maintaining this production scale supports revenue generation, preserves correspondent and consumer-direct capabilities, and reinforces the platform’s competitive operating base.
Bears Say
High Balance-sheet LeverageElevated leverage makes PennyMac more sensitive to funding conditions, asset-value changes, and market shocks. The increase from earlier debt-to-equity levels reduces financial flexibility and can constrain capital allocation, particularly when mortgage markets weaken or financing costs rise.
Persistently Negative Cash GenerationNegative operating and free cash flow despite positive earnings signals that reported profitability is not consistently converting into available liquidity. Continued outflows can increase reliance on funding markets, limit internally financed growth, and heighten vulnerability during periods of mortgage or balance-sheet stress.
Interest-rate And Prepayment SensitivityPennyMac’s earnings remain exposed to interest-rate movements through production volumes, MSR values, and borrower prepayment behavior. The current outlook shows that higher rates can reduce production income while slower prepayments weaken MSR cash realization, creating recurring earnings volatility.
PennyMac Financial News
1AC FAQ
What was PennyMac Financial’s price range in the past 12 months?
PennyMac Financial lowest stock price was €53.00 and its highest was €134.00 in the past 12 months.
What is PennyMac Financial’s market cap?
PennyMac Financial’s market cap is €2.87B.
When is PennyMac Financial’s upcoming earnings report date?
PennyMac Financial’s upcoming earnings report date is Oct 22, 2026 which is in 17 days.
How were PennyMac Financial’s earnings last quarter?
PennyMac Financial released its earnings results on Jul 29, 2026. The company reported €0.365 earnings per share for the quarter, missing the consensus estimate of €1.882 by -€1.517.
Is PennyMac Financial overvalued?
According to Wall Street analysts PennyMac Financial’s price is currently Undervalued.
Does PennyMac Financial pay dividends?
PennyMac Financial does not currently pay dividends.
What is PennyMac Financial’s EPS estimate?
PennyMac Financial’s EPS estimate is 1.4.
How many shares outstanding does PennyMac Financial have?
PennyMac Financial has 51,951,572 shares outstanding.
What happened to PennyMac Financial’s price movement after its last earnings report?
PennyMac Financial reported an EPS of €0.365 in its last earnings report, missing expectations of €1.882. Following the earnings report the stock price went down -14.384%.
Which hedge fund is a major shareholder of PennyMac Financial?
Currently, no hedge funds are holding shares in DE:1AC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
PennyMac Financial Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
€79.24 (23.82% Upside)
€79.24 (23.82% Upside)
Blogger Sentiment
Neutral
DE:1AC Sentiment 67%
Sector Average 62%
Sector Average 62%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-49.00%
12-Months-Change
Fundamentals
Return on Equity
1.89%
Trailing 12-Months
Asset Growth
23.27%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
PennyMac Financial
PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States. The company's operations are structured into three primary divisions: Production, Servicing, and Investment Management. The Production segment focuses on the creation, acquisition, and subsequent sale of loans. Its primary involvement is with first-lien residential mortgage loans, encompassing both conventional products and those insured or guaranteed by the government. The Servicing segment is responsible for the administration of newly originated loans, in addition to managing early buyout transactions and providing servicing for other loan portfolios. This involves a broad range of activities, such as general loan administration, payment collection, and managing defaults. Specific duties include processing loan payments, addressing customer inquiries, meticulously accounting for principal and interest, holding custodial funds for property taxes and insurance premiums, providing guidance to delinquent borrowers, and supervising foreclosure processes and property dispositions. Furthermore, this segment implements loss mitigation strategies, including loan modification and forbearance programs. The Investment Management segment's core functions include identifying potential investment assets, conducting thorough due diligence, submitting bids, and finalizing acquisitions. It also oversees the correspondent production operations for PennyMac Mortgage Investment Trust and manages the acquired asset base. PennyMac Financial Services, Inc. was established in 2008 and maintains its headquarters in Westlake Village, California.
1AC Company Deck
1AC Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a generally constructive operational story: strong adjusted earnings, production pretax income at multi-year highs, improving consumer direct recapture, clear technology-driven efficiency gains and disciplined capital returns (buybacks/dividend). Offsetting items include notable hedge and valuation-related losses, sequential declines in origination and lock volumes, elevated leverage and a lowered near-term ROE guide due to accelerated tech investment and softer market activity. Management emphasizes long-term targets (high-teens to low-20s ROE), expects technology benefits to materialize in H2 2026, and is actively managing leverage and MSR positioning.View all DE:1AC earnings summaries1AC Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
€79.24
▲(23.82% Upside)
Technical Analysis
1 Day
3 Days
1 Week
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