PennyMac Financial Services Inc
NYSE:PFSI

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PennyMac Financial Services Inc
NYSE:PFSI
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Price: 93.3 USD -2.21%
Market Cap: 4.8B USD
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Relative Value

The Relative Value of one PFSI stock under the Base Case scenario is 342.99 USD. Compared to the current market price of 93.3 USD, PennyMac Financial Services Inc is Undervalued by 73%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

PFSI Relative Value
Base Case
342.99 USD
Undervaluation 73%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

vs History
30
vs Industry
56
Median 3Y
1.9
Median 5Y
1.2
Industry
3.1
Forward
2.2
vs History
33
vs Industry
28
Median 3Y
14.6
Median 5Y
4.8
Industry
15
Forward
8.3
vs History
vs Industry
34
Median 3Y
-1.2
Median 5Y
-0.8
Industry
9.9
vs History
23
vs Industry
31
Median 3Y
1.8
Median 5Y
1.9
Industry
12.5
vs History
30
vs Industry
36
Median 3Y
1.1
Median 5Y
1.1
Industry
1.3
vs History
19
vs Industry
27
Median 3Y
5.9
Median 5Y
4
Industry
4.7
Forward
8
vs History
19
vs Industry
26
Median 3Y
8.5
Median 5Y
4.5
Industry
6.9
vs History
20
vs Industry
14
Median 3Y
29
Median 5Y
10.3
Industry
13.9
Forward
16.9
vs History
20
vs Industry
9
Median 3Y
34.9
Median 5Y
10.6
Industry
14.2
Forward
20.6
vs History
vs Industry
20
Median 3Y
-4.2
Median 5Y
-2.9
Industry
12.1
vs History
vs Industry
20
Median 3Y
-4.1
Median 5Y
-2.8
Industry
13
vs History
14
vs Industry
50
Median 3Y
0.7
Median 5Y
0.7
Industry
1

Multiples Across Competitors

PFSI Competitors Multiples
PennyMac Financial Services Inc Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
US
PennyMac Financial Services Inc
NYSE:PFSI
4.8B USD 1.9 13.8 33.7 39
US
Rocket Companies Inc
NYSE:RKT
26.7B USD 5.2 9 487.6 42.2 48.8
US
Federal National Mortgage Association
OTC:FNMA
11.8B USD 0.1 3 968.4 215.6 215.6
US
Mr Cooper Group Inc
NASDAQ:COOP
9.2B USD 4 15.5 23.6 25.2
US
UWM Holdings Corp
NYSE:UWMC
6.4B USD 2.4 -814.8 13 13.6
US
MGIC Investment Corp
NYSE:MTG
6.4B USD 5.3 8.4 6.6 6.8
BM
Essent Group Ltd
NYSE:ESNT
6.1B USD 4.8 8.4 7.1 7.2
US
Enact Holdings Inc
NASDAQ:ACT
5.3B USD 4.4 7.8 5.8 5.9
US
Federal Home Loan Mortgage Corp
OTC:FMCC
5.3B USD 0 -99.9 28.6 28.6
US
Radian Group Inc
NYSE:RDN
4.8B USD 3.7 7.9 7.3 8.1
US
New York Community Bancorp Inc
NYSE:NYCB
4.5B USD 1.4 -1.4 58.1 0
P/E Multiple
Earnings Growth PEG
US
PennyMac Financial Services Inc
NYSE:PFSI
Average P/E: 1 689.7
13.8
45%
0.3
US
Rocket Companies Inc
NYSE:RKT
9 487.6
316%
30
US
Federal National Mortgage Association
OTC:FNMA
3 968.4
N/A N/A
US
Mr Cooper Group Inc
NASDAQ:COOP
15.5
18%
0.9
US
UWM Holdings Corp
NYSE:UWMC
Negative Multiple: -814.8
316%
N/A
US
MGIC Investment Corp
NYSE:MTG
8.4
1%
8.4
BM
Essent Group Ltd
NYSE:ESNT
8.4
2%
4.2
US
Enact Holdings Inc
NASDAQ:ACT
7.8
2%
3.9
US
F
Federal Home Loan Mortgage Corp
OTC:FMCC
Negative Multiple: -99.9 N/A N/A
US
Radian Group Inc
NYSE:RDN
7.9
-2%
N/A
US
New York Community Bancorp Inc
NYSE:NYCB
Negative Multiple: -1.4 N/A N/A