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Upturn AI SWOT - About
PFSI 
PennyMac Finl Svcs Inc (PFSI)
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Upturn Advisory Summary
07/11/2025: 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 $124.25
1 Year Target Price $124.25
| 4 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.32% | 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 07/11/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.23B USD | Price to earnings Ratio 15.54 | 1Y Target Price 124.25 |
Price to earnings Ratio 15.54 | 1Y Target Price 124.25 | ||
Volume (30-day avg) 9 | Beta 1.54 | 52 Weeks Range 85.48 - 118.07 | Updated Date 07/11/2025 |
52 Weeks Range 85.48 - 118.07 | Updated Date 07/11/2025 | ||
Dividends yield (FY) 1.20% | Basic EPS (TTM) 6.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.29% | Operating Margin (TTM) 12.09% |
Management Effectiveness
Return on Assets (TTM) 1.6% | Return on Equity (TTM) 9.32% |
Valuation
Trailing PE 15.54 | Forward PE 7.84 | Enterprise Value 22787254415 | Price to Sales(TTM) 1.54 |
Enterprise Value 22787254415 | Price to Sales(TTM) 1.54 | ||
Enterprise Value to Revenue 7.64 | Enterprise Value to EBITDA 42.76 | Shares Outstanding 51663600 | Shares Floating 26957026 |
Shares Outstanding 51663600 | Shares Floating 26957026 | ||
Percent Insiders 35.21 | Percent Institutions 62.41 |
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 major player in the mortgage industry, focusing on loan production and servicing. Its evolution has been marked by expansion into various mortgage-related activities and navigating fluctuations in the housing market.
Core Business Areas
- Production: Originates, acquires, and sells mortgage loans through various channels, including retail, wholesale, and correspondent lending.
- Servicing: Services mortgage loans, which includes collecting payments, managing escrow accounts, and handling loss mitigation activities.
- Investment Management: Manages investments in mortgage-related assets.
Leadership and Structure
David Spector is the Chairman and CEO. The company has a board of directors and operates with a functional organizational structure, divided into the core business areas.
Top Products and Market Share
Key Offerings
- Mortgage Loan Origination (Retail): Originates mortgage loans directly to consumers. Market share data varies based on overall mortgage market conditions. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and traditional banks.
- Mortgage Loan Servicing: Services mortgage loans for investors and homeowners. Market share depends on servicing portfolio size. Competitors include Ocwen Financial (OCN) and Mr. Cooper Group (COOP).
Market Dynamics
Industry Overview
The mortgage industry is influenced by interest rates, economic conditions, and housing market trends. Regulatory changes and technological advancements also play a significant role.
Positioning
PennyMac is a major non-bank mortgage originator and servicer, competing with both traditional banks and other non-bank lenders. Its competitive advantage lies in its scalable platform and diversified business model.
Total Addressable Market (TAM)
The TAM for mortgage origination and servicing is in the trillions of dollars. PennyMac is positioned to capture a share of this TAM through its origination and servicing capabilities.
Upturn SWOT Analysis
Strengths
- Scalable Platform
- Diversified Business Model
- Strong Servicing Portfolio
- Experienced Management Team
- Strong brand recognition
Weaknesses
- Sensitivity to Interest Rate Fluctuations
- Reliance on Mortgage Market Conditions
- Regulatory Scrutiny
- High Debt Levels
Opportunities
- Expansion into New Markets
- Technological Innovation
- Strategic Acquisitions
- Increased Servicing Portfolio through MSR purchases
Threats
- Rising Interest Rates
- Economic Downturn
- Increased Competition
- Regulatory Changes
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- COOP
Competitive Landscape
PennyMac competes effectively through its scalable platform, diversified business model, and strong servicing portfolio. Challenges include interest rate sensitivity and regulatory scrutiny.
Growth Trajectory and Initiatives
Historical Growth: PennyMac has experienced significant growth in loan origination and servicing since its founding.
Future Projections: Analysts' projections for future growth vary based on expectations for the mortgage market and interest rates.
Recent Initiatives: Recent strategic initiatives include expanding into new markets and investing in technology to improve efficiency.
Summary
PennyMac Financial Services, Inc. is a significant player in the mortgage origination and servicing industry, leveraging a scalable platform and diversified business model. Its success depends heavily on the stability of the housing and interest rate markets. While its strong servicing portfolio provides stability, it is susceptible to economic downturns and regulatory challenges. PennyMac should focus on diversifying its revenue streams and mitigating risks associated with market volatility.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data and market conditions are subject to change. Market share data is based on estimates and may not be precise.
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 4457 | Website https://www.pennymac.com |
Full time employees 4457 | 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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