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Upturn AI SWOT - About
PFSI 
PennyMac Finl Svcs Inc (PFSI)
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Upturn Advisory Summary
10/30/2025: PFSI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $138.57
1 Year Target Price $138.57
| 4 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2.22% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.54B USD | Price to earnings Ratio 13.53 | 1Y Target Price 138.57 |
Price to earnings Ratio 13.53 | 1Y Target Price 138.57 | ||
Volume (30-day avg) 9 | Beta 1.59 | 52 Weeks Range 85.23 - 134.56 | Updated Date 10/31/2025 |
52 Weeks Range 85.23 - 134.56 | Updated Date 10/31/2025 | ||
Dividends yield (FY) 0.96% | Basic EPS (TTM) 9.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 2.99 | Actual 3.4284 |
Profitability
Profit Margin 18.31% | Operating Margin (TTM) 23.04% |
Management Effectiveness
Return on Assets (TTM) 2.07% | Return on Equity (TTM) 12.55% |
Valuation
Trailing PE 13.53 | Forward PE 8.95 | Enterprise Value 24265559641 | Price to Sales(TTM) 2.4 |
Enterprise Value 24265559641 | Price to Sales(TTM) 2.4 | ||
Enterprise Value to Revenue 7.59 | Enterprise Value to EBITDA 50.92 | Shares Outstanding 51965474 | Shares Floating 27180541 |
Shares Outstanding 51965474 | Shares Floating 27180541 | ||
Percent Insiders 34.91 | Percent Institutions 60.35 |
Upturn AI SWOT
PennyMac Finl Svcs Inc
Company Overview
History and Background
PennyMac Financial Services, Inc. was founded in 2008 in the wake of the financial crisis. It quickly became a leading mortgage originator and servicer, specializing in government-backed loans. It has grown through both organic expansion and acquisitions, capitalizing on market opportunities and technological advancements in the mortgage industry.
Core Business Areas
- Production: Originates, acquires, and sells mortgage loans, primarily through correspondent lending, direct lending, and broker direct channels. A significant portion of its production is government-insured or guaranteed loans.
- Servicing: Services mortgage loans, collecting payments, managing escrow accounts, and handling loss mitigation activities. This segment generates recurring revenue from servicing fees.
- Investment Management: Manages funds that invest in mortgage-related assets, earning management fees and incentive income.
Leadership and Structure
The company is led by David Spector (Chairman and CEO). The organizational structure includes departments for production, servicing, investment management, finance, and technology, with a hierarchical reporting structure.
Top Products and Market Share
Key Offerings
- Mortgage Loan Origination: PennyMac originates a significant volume of government-insured and conventional mortgage loans through various channels. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and other large banks and mortgage companies. Market share data is dynamic and varies by loan type but PennyMac is considered a top lender.
- Mortgage Servicing: PennyMac services a large portfolio of mortgage loans. Servicing generates predictable revenue. Competitors include Ocwen Financial (OCN), Mr. Cooper Group (COOP) and other large servicers.
Market Dynamics
Industry Overview
The mortgage industry is highly competitive and sensitive to interest rate fluctuations, economic conditions, and government regulations. Technological advancements are transforming the industry. The industry is influenced by the Federal Reserve's monetary policy.
Positioning
PennyMac is a prominent player in the mortgage industry, particularly in the government-backed loan segment. Its scale, technology, and diversified business model give it a competitive edge. PennyMac continues to increase market share.
Total Addressable Market (TAM)
The total mortgage origination market in the US is estimated to be in the trillions of dollars annually. PennyMac is well-positioned to capture a portion of this market, particularly in the government-backed segment. The servicing market is also substantial with trillions of dollars in outstanding mortgages.
Upturn SWOT Analysis
Strengths
- Strong presence in government-backed mortgage market
- Scale and efficiency in mortgage servicing
- Diversified business model (production, servicing, investment management)
- Technology-driven operations
- Experienced management team
Weaknesses
- Sensitivity to interest rate fluctuations
- Dependence on government-backed mortgage programs
- Exposure to regulatory changes
- Potential for servicing errors and compliance issues
- Competition in the mortgage origination market
Opportunities
- Growth in the housing market
- Expansion of mortgage servicing portfolio
- Technological advancements in mortgage lending and servicing
- Increased demand for government-backed mortgage programs
- Acquisitions of smaller mortgage companies
Threats
- Rising interest rates
- Economic recession
- Increased regulatory scrutiny
- Intense competition in the mortgage market
- Changes in government mortgage programs
Competitors and Market Share
Key Competitors
- Rocket Companies (RKT)
- United Wholesale Mortgage (UWMC)
- Mr. Cooper Group (COOP)
- Ocwen Financial Corporation (OCN)
Competitive Landscape
PennyMac competes with other large mortgage originators and servicers. Its advantages include its scale, technology, and diversified business model. Disadvantages include sensitivity to interest rate fluctuations and regulatory changes.
Major Acquisitions
Private National Mortgage Acceptance Company, LLC
- Year: 2013
- Acquisition Price (USD millions): 170
- Strategic Rationale: Increased servicing portfolio size and market share.
Growth Trajectory and Initiatives
Historical Growth: PennyMac Financial Services Inc. has experienced significant growth in recent years, driven by increased mortgage origination and servicing volume. The growth rate has varied depending on market conditions.
Future Projections: Analyst projections for PennyMac Financial Services Inc.'s future growth depend on interest rate forecasts, housing market outlook, and company-specific factors. Consult analyst reports for detailed estimates.
Recent Initiatives: Recent initiatives include investments in technology, expansion of the servicing portfolio, and strategic acquisitions. Monitor company announcements and SEC filings for the latest updates.
Summary
PennyMac Financial Services, Inc. is a prominent player in the mortgage market. Its strengths lie in government-backed mortgages, servicing operations, and technological innovation. Interest rate volatility and regulatory changes pose key risks, while opportunities exist in market expansion and strategic acquisitions. The company's diversified model supports resilience amidst changing economic conditions.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PennyMac Finl Svcs Inc
Exchange NYSE | Headquaters Westlake Village, CA, United States | ||
IPO Launch date 2013-05-09 | CEO & Chairman Mr. David A. Spector | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 4700 | Website https://www.pennymac.com |
Full time employees 4700 | Website https://www.pennymac.com | ||
PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan servicing for newly originated loans that are under holding for sale and loans services for others. The segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs. The company was founded in 2008 and is headquartered in Westlake Village, California.
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