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PFSI Stock Chart & Stats
$72.90
$1.74(2.11%)
At close: 4:00 PM EDT
$72.90
$1.74(2.11%)
Day’s Range― - ―
52-Week Range$70.67 - $160.36
Previous CloseN/A
Volume319.43K
Average Volume (3M)621.00K
Market Cap
$3.81B
Enterprise Value$19.39K
Total Cash (Recent Filing)$748.00M
Total Debt (Recent Filing)$23.68B
Price to Earnings (P/E)9.7
Beta0.52
Next Earnings
Oct 22, 2026EPS Estimate
1.66Next Dividend Ex-DateN/A
Dividend Yield1.64%
Share Statistics
EPS (TTM)7.56
Shares Outstanding51,951,572
10 Day Avg. Volume464,948
30 Day Avg. Volume620,996
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$91.33Price Target Upside25.29% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)9.27
Revenue Forecast (FY)$2.36B
Bulls Say, Bears Say
Bulls Say
National Mortgage Scale And Servicing PlatformPennyMac’s large production and servicing footprint can support operating efficiencies, investor relationships and recurring servicing activity. Scale also strengthens its ability to spread technology, fulfillment and compliance costs across a broad mortgage platform.
Solid Operating Profitability With Revenue RecoveryHealthy operating margins indicate the core mortgage platform remains profitable despite industry volatility. Reaccelerating revenue from weaker prior periods suggests improving business activity, although the durability of earnings remains tied to mortgage-cycle conditions.
Technology And AI Capabilities StrengthenedAdding an independent AI and operations expert could improve the company’s technology roadmap, automation and process efficiency. These capabilities may reinforce PennyMac’s tech-first model and support competitive differentiation in mortgage production and servicing.
Bears Say
High Leverage Reduces Financial FlexibilityThe elevated debt burden increases sensitivity to funding costs, liquidity conditions and mortgage-market shocks. Persistent leverage growth can constrain strategic flexibility and make downturns more damaging even while the company continues generating positive accounting profits.
Persistently Weak And Volatile Cash GenerationNegative cash generation despite reported earnings raises reliance on balance-sheet movements and external funding. The sharp reversal from strong cash flow in 2021–2022 indicates that working-capital and mortgage-asset dynamics can materially pressure liquidity over multiple periods.
Cyclical Earnings And Mortgage-rate ExposureMortgage production, gain-on-sale margins and servicing values are structurally sensitive to interest rates, refinancing and borrower behavior. This cyclicality makes normalized earnings less predictable and can produce substantial multi-year swings in profitability.
PennyMac Financial News
PFSI FAQ
What was PennyMac Financial’s price range in the past 12 months?
PennyMac Financial lowest stock price was $70.67 and its highest was $160.36 in the past 12 months.
What is PennyMac Financial’s market cap?
PennyMac Financial’s market cap is $3.81B.
When is PennyMac Financial’s upcoming earnings report date?
PennyMac Financial’s upcoming earnings report date is Oct 22, 2026 which is in 46 days.
How were PennyMac Financial’s earnings last quarter?
PennyMac Financial released its earnings results on Jul 29, 2026. The company reported $0.41 earnings per share for the quarter, missing the consensus estimate of $2.114 by -$1.704.
Is PennyMac Financial overvalued?
According to Wall Street analysts PennyMac Financial’s price is currently Undervalued.
Does PennyMac Financial pay dividends?
PennyMac Financial pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 1.64%. See more information on PennyMac Financial dividends here
What is PennyMac Financial’s EPS estimate?
PennyMac Financial’s EPS estimate is 1.66.
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 $0.41 in its last earnings report, missing expectations of $2.114. Following the earnings report the stock price went down -11.82%.
Which hedge fund is a major shareholder of PennyMac Financial?
Currently, no hedge funds are holding shares in PFSI
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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5
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7
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$91.33 (25.29% Upside)
$91.33 (25.29% Upside)
Blogger Sentiment
Neutral
PFSI Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 42.8K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.3%
Last 30 Days ▼ 10.0%
Last 30 Days ▼ 10.0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-35.59%
12-Months-Change
Fundamentals
Return on Equity
1.64%
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.
PFSI Company Deck
PFSI 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 PFSI earnings summariesPFSI Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$91.33
▲(25.29% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
12.61% Insiders
18.54% Mutual Funds
29.61% Other Institutional Investors
27.38% Public Companies and
Individual Investors








