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/PFSI
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PennyMac Financial Services Inc

PennyMac Financial Services Inc

PFSI
$70.36USD+0.79%+0.55 today

MARKET CAP

3.7B

P/E (TTM)

9.6x

FWD P/E

8.4x

DAY RANGE

$70 – $71

52W RANGE

$69
$160

AI Summary

Stalk
Sell NowMedium

PFSI remains entrenched in Stage 4 distribution with price trading below declining EMAs and forming sequential lower highs and lower lows. Short-term conditions are unfavorable, with rallies into the EMA cluster consistently rejected. Medium- and long-term biases align bearishly, and we are selling now on strength into the EMA resistance to participate in continued breakdown toward critical support.

  • Projected ROE of mid-to-high teens via AI-driven efficiency gains.
  • Government-first-lien recapture rate at 59% to enhance direct revenue.
  • Negative profitability and growth factor profiles indicate margin pressure.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$3.3B$2.0B$1.4B$1.6B$2.1B
YoY %-12.7%-37.8%-30.6%+15.1%+28.6%
P / Sales1.4x1.6x3.3x3.4x3.4x
EV / Sales6.1x7.5x13.5x17.0x15.3x
Gross Profit, Adj.$3.3B$2.0B$1.4B$1.6B$2.1B
YoY %-12.7%-37.8%-30.6%+15.1%+28.6%
Margin %100.0%100.0%100.0%100.0%100.0%
EV / Gross Profit6.1x7.5x13.5x17.0x15.3x
EBITDA, Adj.$1.5B$741.0M$847.3M$916.1M$2.1B
YoY %-35.5%-49.9%+14.3%+8.1%+124.3%
Margin %45.4%36.6%60.2%56.6%98.7%
EV / EBITDA13.3x20.6x22.4x30.0x15.5x
EBIT$1.4B$706.6M$188.5M$426.8M$587.5M
YoY %-36.0%-51.3%-73.3%+126.4%+37.7%
Margin %44.5%34.9%13.4%26.4%28.2%
EV / EBIT13.6x21.6x100.8x64.4x54.3x
Net Income$1.0B$475.5M$144.7M$311.4M$501.1M
YoY %-39.1%-52.6%-69.6%+115.3%+60.9%
Net Margin30.8%23.5%10.3%19.2%24.1%
EPS (GAAP)$14.87$8.50$2.74$5.84$9.30
YoY %-28.9%-42.8%-67.8%+113.1%+59.2%