Stocks · Financial Services · Financial - Mortgages
PennyMac Financial Services, Inc. PFSI
$62.95 +1.53% Close, Oct 5, 2026 · NYSE · Market cap $3.22B
Weak trendHigh risk
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Revenue over the last four quarters was $5.04B, up 51.3% from a year earlier, slowing from 60.5% a quarter earlier.
- The stock is 61% below its highest close of the past year.
- Net debt is 40.7× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 7%
- EPS growth (TTM, YoY)Bottom 30%
- Revenue growth, 3-year CAGRTop 22%
- Revenue growth accelerationBottom 18%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 50%
- Gross marginBottom 37%
- Operating marginBottom 22%
- Cash conversion (OCF / net income)Bottom 2%
- Accruals (lower is better)Bottom 6%
- Net debt / EBITDA (lower is better)Bottom 2%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 11%
- Free-cash-flow yieldBottom 3%
- EBITDA / enterprise valueBottom 29%
- Sales / enterprise valueBottom 22%
- P/E vs own 5-year history (lower is better)Top 30%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 5%
- 6-month returnBottom 3%
- 1-year return vs S&P 500Bottom 4%
- Distance from 52-week highBottom 4%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 14%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 43%
- Upside to consensus price targetTop 14%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 20%
- Maximum drawdown, 3 yearsBottom 11%
- Beta vs S&P 500 (lower is better)Top 34%
- Net debt / EBITDA (lower is better)Bottom 2%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 60.5% | 51.3% | ↓ |
| EPS growth (YoY) | 44.3% | 1.0% | ↓ |
| Gross margin | 50.8% | 59.8% | ↑ |
| Operating margin | 12.2% | 10.1% | ↓ |
| FCF margin | -49.2% | -30.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 51.3% | 60.5% | ↓ | Top 7% |
| EPS growth (TTM, YoY) | 1.0% | 44.3% | ↓ | Bottom 30% |
| Gross margin | 59.8% | 50.8% | ↑ | Bottom 37% |
| Operating margin | 10.1% | 12.2% | ↓ | Bottom 22% |
| Net margin | 7.8% | 11.6% | ↓ | — |
| Free-cash-flow margin | -30.8% | -49.2% | ↑ | — |
| Return on invested capital | 1.3% | — | Top 50% | |
| Revenue growth, 3-year CAGR | 23.9% | — | Top 22% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- -2.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 6.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -149.8 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 40.71×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.96%
- Net buyback yield (TTM)
- 1.35%
- Shareholder yield
- 3.31%
- Share count change, 1 year
- -0.7%
- Share count change, 3-year CAGR
- +0.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 1 of 8
- Average EPS surprise, last 4
- -12.4%
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $89.80
- Target vs current price
- +42.7%
- Analysts with a rating
- 21
- Share rating Buy or Strong Buy
- 52%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 29, 2026 | -34.1% | +0.4% | -10.2% | -13.5% | — |
| May 5, 2026 | -1.4% | -2.7% | -1.7% | -6.5% | -15.6% |
| Jan 29, 2026 | -39.0% | +1.9% | -34.6% | -36.8% | -37.8% |
| Oct 21, 2025 | +24.8% | -0.4% | +9.5% | +2.5% | +24.1% |
| Jul 22, 2025 | -66.1% | +2.3% | -8.4% | +3.5% | +17.4% |
| Apr 22, 2025 | -52.5% | +2.3% | +0.6% | +6.7% | +7.1% |
| Jan 30, 2025 | -6.8% | +2.4% | -6.1% | -8.9% | -16.5% |
| Oct 22, 2024 | -55.5% | -1.2% | -2.5% | -2.3% | +2.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 29, 2026 | $1.39 | $2.11 | -34.1% | $497.0M |
| May 5, 2026 | $2.19 | $2.22 | -1.4% | $545.0M |
| Jan 29, 2026 | $1.97 | $3.23 | -39.0% | $538.0M |
| Oct 21, 2025 | $3.37 | $2.70 | +24.8% | $632.9M |
| Jul 22, 2025 | $1.02 | $3.01 | -66.1% | $444.7M |
| Apr 22, 2025 | $1.42 | $2.99 | -52.5% | $810.3M |
| Jan 30, 2025 | $2.88 | $3.09 | -6.8% | $470.1M |
| Oct 22, 2024 | $1.30 | $2.92 | -55.5% | $411.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.6× | 10.6× | 33th | Top 11% |
| P/E (forward) | 11.9× | — | — | — |
| EV / EBITDA | 46.3× | — | — | Bottom 29% |
| EV / Sales | 5.30× | — | — | Bottom 22% |
| Free-cash-flow yield | -48.15% | — | — | Bottom 3% |
| Earnings yield | 11.56% | — | — | Top 11% |
P/E over the past five years
Range 3.0× – 32.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -48.9%
- Earnings per share growth (TTM)
- +1.0%
- Change in P/E multiple
- -19.7%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -8.9%
- 200-day average slope (20 days)
- -6.5%
- Distance from 50-day average
- -12.9%
- Distance from 200-day average
- -31.3%
- RSI (14)
- 29.3
- Relative volume
- 0.98×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 35.4%
- Volatility vs own 5-year history
- 68th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.51
- Correlation with S&P 500
- 0.20
- Current drawdown from 1-year high
- -60.5%
- Maximum drawdown, 3 years
- -61.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 16, 2026 | Sep 30, 2026 | -61.3% | 176 days | Not yet recovered |
| Dec 30, 2021 | Jun 16, 2022 | -43.7% | 116 days | 158 days (Feb 2, 2023) |
| Oct 15, 2020 | Oct 30, 2020 | -23.9% | 11 days | 36 days (Dec 22, 2020) |
| Sep 16, 2024 | Apr 10, 2025 | -23.4% | 142 days | 101 days (Sep 5, 2025) |
| Feb 2, 2023 | Mar 23, 2023 | -23.1% | 34 days | 76 days (Jul 13, 2023) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.22B
- P/E (TTM)
- 8.6
- EPS, diluted (TTM)
- $7.28
- Revenue (TTM)
- $5.04B
- Dividend yield
- 1.91%
- 52-week range
- $60.79 – $160.36
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $3.56B | $2.32B | $2.04B | $2.85B | $4.42B |
| Gross profit | $2.13B | $1.31B | $847.5M | $1.37B | $2.62B |
| Operating income | $1.36B | $688.7M | $354.0M | $402.6M | $551.4M |
| Net income | $1.00B | $475.5M | $144.7M | $311.4M | $501.1M |
| EPS (diluted) | $14.87 | $8.50 | $2.74 | $5.84 | $9.30 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $629.4M | $698.3M | $1.07B | $931.6M | $882.8M | $2.21B | $966.7M | $972.2M |
| Net income | $69.4M | $104.5M | $76.3M | $136.5M | $181.5M | $106.8M | $82.3M | $21.7M |
| EPS (diluted) | $1.30 | $1.95 | $1.42 | $2.54 | $3.37 | $1.97 | $1.53 | $0.41 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $2.56B | $6.03B | -$1.58B | -$4.53B | -$1.40B |
| Capital expenditure | -$56.9M | -$83.1M | -$36.2M | -$22.1M | -$11.9M |
| Free cash flow | $2.51B | $5.95B | -$1.62B | -$4.56B | -$1.41B |
| Dividends paid | -$52.9M | -$54.6M | -$41.4M | -$52.2M | -$62.5M |
| Net share buybacks | -$958.2M | -$406.1M | -$71.5M | $20.1M | $4.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $748.0M
- Total assets
- $29.86B
- Total liabilities
- $25.52B
- Total debt
- $23.68B
- Net debt
- $23.47B
- Shareholders’ equity
- $4.34B
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 17, 2026 | $0.30 | Aug 27, 2026 |
| May 18, 2026 | $0.30 | May 28, 2026 |
| Feb 13, 2026 | $0.30 | Feb 26, 2026 |
| Nov 17, 2025 | $0.30 | Nov 26, 2025 |
| Aug 13, 2025 | $0.30 | Aug 22, 2025 |
| May 14, 2025 | $0.30 | May 23, 2025 |
| Feb 13, 2025 | $0.30 | Feb 23, 2025 |
| Nov 18, 2024 | $0.30 | Nov 27, 2024 |
Short interest
- Shares sold short
- 2,991,672
- Days to cover
- 5.50
- Change vs previous report
- +2.7%
FINRA short interest, settlement date Sep 15, 2026.