PennyMac Financial Services, Inc. (PFSI)
Financial Services › Mortgage Bankers & Loan Correspondents
Price History
Feb 9, 2026 — Apr 4, 2026Investment Snapshot
- Trading 35% below Graham Number ($129.26) — significant margin of safety
- Piotroski F-Score 2/9 — signs of financial weakness
- ROE of 10.8% — below-average profitability
- Revenue declining 25% annually
PennyMac Financial Services, Inc. (PFSI) is a Financial Services company operating in Mortgage Bankers & Loan Correspondents, listed on the NYSE , with a market capitalisation of $4.4 billion . Key value metrics: P/E ratio 9.5, P/B ratio 1.11, Piotroski F-Score 2 out of 9 .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
PennyMac Financial Services, Inc. — Fundamental Analysis Summary
PennyMac Financial Services, Inc. (PFSI) is trading 35% below its Graham Number of $129.26 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 9.5x.
On financial health, PFSI shows a weak Piotroski F-Score of 2/9, a signal of deteriorating financial health, and modest return on equity of 10.8% (sector average: 5.8%), and elevated leverage with a debt-to-equity ratio of 1.45.
StockPik's composite Value Score for PFSI is 60/100 — an above-average value rating. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
PFSI shows revenue declining at 25% year-over-year, with earnings growing at 61%.
PFSI pays a modest dividend yield of 1.4%.