` Comparison: PFSI, FNMA - Alpha Spread

PFSI
vs
FNMA

Over the past 12 months, PFSI has underperformed FNMA, delivering a return of +25% compared to the FNMA's +336% growth.

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Valuation Comparison

PFSI Intrinsic Value
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FNMA Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
PennyMac Financial Services Inc
NYSE:PFSI
130.99 USD
Federal National Mortgage Association
OTC:FNMA
11.74 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
PFSI, FNMA

PFSI
FNMA
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
PennyMac Financial Services Inc
Revenue
Federal National Mortgage Association
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
PFSI, FNMA

PFSI
FNMA
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
PennyMac Financial Services Inc
NYSE:PFSI
Federal National Mortgage Association
OTC:FNMA
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What is Free Cash Flow?

Gross Margin

PFSI
68.1%
FNMA
15.9%

Operating Margin

PFSI
19%
FNMA
11.2%

Net Margin

PFSI
17.2%
FNMA
0%

FCF Margin

PFSI
-67.1%
FNMA
3.6%

ROE

PFSI
12.6%
FNMA
0%

ROA

PFSI
2.1%
FNMA
0%

ROIC

PFSI
2.2%
FNMA
0.3%

ROCE

PFSI
3.7%
FNMA
0.4%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PFSI, FNMA

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Performance Gap
PFSI, FNMA

Performance Gap Between PFSI and FNMA
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Performance By Year
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FNMA
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