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PennyMac Finl Svcs Inc (PFSI)

Upturn stock ratingUpturn stock rating
$108.86
Last Close (24-hour delay)
Profit since last BUY0.42%
upturn advisory
Consider higher Upturn Star rating
BUY since 11 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

08/28/2025: PFSI (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

9 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $121.71

1 Year Target Price $121.71

Analysts Price Target For last 52 week
$121.71 Target price
52w Low $85.23
Current$108.86
52w High $117.72

Analysis of Past Performance

Type Stock
Historic Profit -8.77%
Avg. Invested days 26
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 5.69B USD
Price to earnings Ratio 15.25
1Y Target Price 121.71
Price to earnings Ratio 15.25
1Y Target Price 121.71
Volume (30-day avg) 9
Beta 1.5
52 Weeks Range 85.23 - 117.72
Updated Date 08/29/2025
52 Weeks Range 85.23 - 117.72
Updated Date 08/29/2025
Dividends yield (FY) 1.10%
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 15.25
Forward PE 9.9
Enterprise Value 23525589083
Price to Sales(TTM) 1.59
Enterprise Value 23525589083
Price to Sales(TTM) 1.59
Enterprise Value to Revenue 7.35
Enterprise Value to EBITDA 49.37
Shares Outstanding 51710000
Shares Floating 26945063
Shares Outstanding 51710000
Shares Floating 26945063
Percent Insiders 35.09
Percent Institutions 60.78

ai summary icon Upturn AI SWOT

PennyMac Finl Svcs Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 4779

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.