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Upturn AI SWOT - About
PFSI 
PennyMac Finl Svcs Inc (PFSI)
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Upturn Advisory Summary
09/16/2025: 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 $122.29
1 Year Target Price $122.29
| 4 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.94% | 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 09/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.43B USD | Price to earnings Ratio 17.18 | 1Y Target Price 122.29 |
Price to earnings Ratio 17.18 | 1Y Target Price 122.29 | ||
Volume (30-day avg) 9 | Beta 1.51 | 52 Weeks Range 85.23 - 127.56 | Updated Date 09/16/2025 |
52 Weeks Range 85.23 - 127.56 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 0.97% | Basic EPS (TTM) 7.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.83% | Operating Margin (TTM) 11.05% |
Management Effectiveness
Return on Assets (TTM) 1.69% | Return on Equity (TTM) 10.05% |
Valuation
Trailing PE 17.18 | Forward PE 9.04 | Enterprise Value 24309513168 | Price to Sales(TTM) 1.8 |
Enterprise Value 24309513168 | Price to Sales(TTM) 1.8 | ||
Enterprise Value to Revenue 7.6 | Enterprise Value to EBITDA 51.05 | Shares Outstanding 51710000 | Shares Floating 26958508 |
Shares Outstanding 51710000 | Shares Floating 26958508 | ||
Percent Insiders 35.09 | Percent Institutions 60.78 |
Upturn AI SWOT
PennyMac Finl Svcs Inc
Company Overview
History and Background
PennyMac Financial Services, Inc. was founded in 2008. It quickly grew to become a significant player in the mortgage banking industry, focusing on loan servicing and origination. The company has evolved through various economic cycles and regulatory changes, adapting its business model to maintain profitability and growth.
Core Business Areas
- Production: Originates, acquires, and manages mortgage loans and Mortgage Related Assets (MRAs). In production, there are Consumer Direct Lending and Broker Direct Lending.
- Servicing: Services mortgage loans, including collection and remittance of loan payments, property tax and insurance administration, and loss mitigation activities. Also manages MRAs.
Leadership and Structure
The company is led by a board of directors and a management team headed by the CEO. Organizational structure includes departments for origination, servicing, finance, risk management, and legal.
Top Products and Market Share
Key Offerings
- Mortgage Loan Servicing: PennyMac is one of the largest mortgage servicers in the US. Servicing involves managing loan payments, property taxes, and insurance. Market share varies, but PennyMac is consistently among the top servicers. Competitors include Ocwen Financial, Mr. Cooper Group, and Lakeview Loan Servicing.
- Mortgage Loan Origination: PennyMac originates mortgages through various channels, including direct-to-consumer and broker networks. Their offerings include conventional, FHA, and VA loans. Competitors include Rocket Mortgage, United Wholesale Mortgage, and LoanDepot. PennyMac originates loans using Consumer Direct Lending and Broker Direct Lending.
Market Dynamics
Industry Overview
The mortgage industry is highly cyclical and sensitive to interest rates, economic conditions, and housing market trends. Regulatory changes and technological advancements also play a significant role.
Positioning
PennyMac is a leading mortgage servicer and originator, known for its technology-driven approach and diversified business model. Competitive advantages include its scale, operational efficiency, and risk management capabilities.
Total Addressable Market (TAM)
The TAM for mortgage origination and servicing is estimated to be in the trillions of dollars. PennyMac is positioned to capture a portion of this TAM through its origination and servicing businesses.
Upturn SWOT Analysis
Strengths
- Large servicing portfolio
- Diversified origination channels
- Strong technology platform
- Experienced management team
- Economies of scale
Weaknesses
- Sensitivity to interest rate fluctuations
- Dependence on GSEs (Fannie Mae, Freddie Mac)
- Regulatory compliance costs
- Competition in the mortgage industry
- Risk of defaults in mortgage portfolio
Opportunities
- Expansion into new mortgage products
- Growth in the servicing portfolio through acquisitions
- Technological innovations to improve efficiency
- Strategic partnerships
- Increasing market share
Threats
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
- Competition from other mortgage lenders and servicers
- Changes in GSE policies
Competitors and Market Share
Key Competitors
- RKT
- LDI
- UWMC
- OPFI
Competitive Landscape
PennyMac competes with other large mortgage servicers and originators. Advantages include its scale, technology, and diversified business model. Disadvantages include its sensitivity to interest rates and regulatory risks.
Major Acquisitions
n/a
- Year: 0
- Acquisition Price (USD millions): 0
- Strategic Rationale: n/a
Growth Trajectory and Initiatives
Historical Growth: PennyMac's growth has been driven by increases in its servicing portfolio and origination volume. Historical data can be found in its annual reports.
Future Projections: Future growth is expected to be influenced by market conditions and strategic initiatives. Analyst estimates vary.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and acquisitions of servicing portfolios.
Summary
PennyMac Financial Services is a significant player in the mortgage industry, benefiting from its large servicing portfolio and diversified origination channels. The company faces challenges from interest rate volatility and regulatory scrutiny, but it is well-positioned to capitalize on growth opportunities in the mortgage market. Its technology platform and experienced management team provide a competitive edge, while continuous innovation will be critical for long-term success. Future profitability hinges on effectively managing risk and adapting to market shifts.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, financial news sources, industry reports, analyst estimates, market data providers.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
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 4779 | Website https://www.pennymac.com |
Full time employees 4779 | 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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