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PFSI 
PennyMac Finl Svcs Inc (PFSI)
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Upturn Advisory Summary
12/04/2025: 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 3.73% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/04/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.80B USD | Price to earnings Ratio 14.09 | 1Y Target Price 138.57 |
Price to earnings Ratio 14.09 | 1Y Target Price 138.57 | ||
Volume (30-day avg) 9 | Beta 1.58 | 52 Weeks Range 85.03 - 136.62 | Updated Date 12/5/2025 |
52 Weeks Range 85.03 - 136.62 | Updated Date 12/5/2025 | ||
Dividends yield (FY) 0.91% | Basic EPS (TTM) 9.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 14.09 | Forward PE 8.32 | Enterprise Value 25674943349 | Price to Sales(TTM) 2.5 |
Enterprise Value 25674943349 | Price to Sales(TTM) 2.5 | ||
Enterprise Value to Revenue 8.84 | Enterprise Value to EBITDA 41.52 | Shares Outstanding 51965474 | Shares Floating 27363460 |
Shares Outstanding 51965474 | Shares Floating 27363460 | ||
Percent Insiders 34.87 | Percent Institutions 64.05 |
Upturn AI SWOT
PennyMac Finl Svcs Inc
Company Overview
History and Background
PennyMac Financial Services, Inc. was founded in 2008. It emerged in the wake of the financial crisis, focusing on mortgage servicing and origination. It has grown significantly through strategic acquisitions and organic expansion.
Core Business Areas
- Production: Focuses on mortgage loan origination, including correspondent lending, consumer direct lending, and broker direct lending. It generates revenue from loan sales and fees.
- Servicing: Manages mortgage loan portfolios, collecting payments, managing defaults, and working with borrowers. Revenue comes from servicing fees, ancillary income, and investment returns on custodial balances.
- Investment Management: Manages private investment funds that invest in mortgage-related assets.
Leadership and Structure
David Spector serves as the Chairman and Chief Executive Officer. The company has a typical corporate structure with a board of directors and executive management team overseeing various departments.
Top Products and Market Share
Key Offerings
- Mortgage Origination: PennyMac originates mortgages through various channels, focusing on conforming and government-insured loans. While market share fluctuates, PennyMac is a significant player. Competitors include Rocket Mortgage, United Wholesale Mortgage, and various large banks. Revenue can be extrapolated from total mortgage origination volume as reported quarterly.
- Mortgage Servicing: PennyMac provides servicing for its originated loans and for third parties. This is a consistent source of revenue. Competitors include Ocwen Financial Corporation, Mr. Cooper Group, and other large servicers. Servicing income varies based on portfolio size and interest rates.
Market Dynamics
Industry Overview
The mortgage industry is cyclical and influenced by interest rates, economic conditions, and housing market trends. Recent volatility in interest rates and home prices has created a challenging environment.
Positioning
PennyMac is positioned as a leading mortgage originator and servicer, with a strong focus on technology and operational efficiency. It competes with large banks, independent mortgage companies, and smaller regional players.
Total Addressable Market (TAM)
The TAM for mortgage origination and servicing is in the trillions of dollars annually. PennyMac, while a large player, has a small percentage of the overall market, indicating significant room for growth if conditions are favorable.
Upturn SWOT Analysis
Strengths
- Strong technology platform
- Efficient servicing operations
- Diversified origination channels
- Experienced management team
Weaknesses
- Sensitivity to interest rate fluctuations
- Dependence on GSEs (Government Sponsored Enterprises)
- High regulatory compliance costs
- Reputational risk associated with servicing practices
Opportunities
- Expanding into new mortgage products
- Growing market share through strategic acquisitions
- Leveraging technology for further efficiency gains
- Capitalizing on the growing demand for digital mortgage solutions
Threats
- Rising interest rates
- Increased competition
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- Rocket Companies Inc. (RKT)
- United Wholesale Mortgage (UWMC)
- Mr. Cooper Group Inc. (COOP)
Competitive Landscape
PennyMac benefits from its technology and scale, but it faces intense competition from larger and well-established players. Its success depends on maintaining operational efficiency and adapting to changing market conditions.
Major Acquisitions
PreVale Lending
- Year: 2019
- Acquisition Price (USD millions): 11
- Strategic Rationale: Expand origination channels and footprint.
Growth Trajectory and Initiatives
Historical Growth: PennyMac has experienced significant growth since its founding, driven by acquisitions and expansion of its origination and servicing businesses.
Future Projections: Future growth depends on macroeconomic conditions, interest rates, and the company's ability to execute its strategic initiatives. Analyst estimates vary widely.
Recent Initiatives: Recent initiatives include investments in technology, expansion of its correspondent lending channel, and efforts to improve customer service.
Summary
PennyMac Financial Services has established itself as a prominent player in the mortgage origination and servicing markets, benefiting from technological innovation and strategic growth. However, the company's performance is highly susceptible to interest rate volatility and regulatory shifts. Its diversified origination channels and efficient servicing operations are strengths, while managing risk and adapting to market changes will be crucial for sustained growth. PennyMac needs to focus on customer service improvements.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance are subject to change.
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 5025 | Website https://pfsi.pennymac.com |
Full time employees 5025 | Website https://pfsi.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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