PennyMac Financial Services Inc
NYSE:PFSI
Intrinsic Value
PennyMac Financial Services, Inc. operates as a holding company. [ Read More ]
The intrinsic value of one
PFSI
stock under the Base Case scenario is
125.8
USD.
Compared to the current market price of 87.62 USD,
PennyMac Financial Services Inc
is
Undervalued by 30%.
PennyMac Financial Services Inc's market capitalization is 4.4B USD.
PFSI stock price is 87.62 USD.
PFSI stock price (87.62 USD) is 30% less than its Intrinsic Value (125.8 USD).
PFSI stock price (87.62 USD) is 26% less than its Relative Value (118.47 USD). Open Relative Valuation
PFSI has upside potential of 26% compared to the average analyst price target.
Open Wall St Estimates
PFSI's Revenue is forecast to grow at a rate of 6% per year over the next 3 years.
PFSI's long-term assets (19B USD) exceed its long-term liabilties (15B USD).
PFSI's ROE (Return on Equity) for the past 12 months is very low and is equal to 4%.
PFSI's ROIC (Return on Invested Capital) has decreased in the last 3 years from 9% to 2%.
PFSI's Revenue has dropped by 12% over the past 12 months.
PFSI's ROIC (Return on Invested Capital) for the past 12 months is very low and is equal to 2%.
PFSI has a very low three-year average ROIC (Return on Invested Capital): 4%. The company is not efficient at using invested capital to generate operating income.
PFSI has positive Net Income for the last twelve months.
PFSI's ROE (Return on Equity) has significantly decreased in the last 3 years from 59% to 4%.
PFSI has positive Operating Income for the last twelve months.
PFSI has very high three-year average ROE (Return on Equity): 26%. The company is very efficient at transforming stockholders' equity into net income.
PFSI's Revenue has been falling by 20% per year for the last 3 years.
PFSI's D/E (Debt to Equity) is very high and is equal to 2.43.
PFSI has negative Free Cash Flow for the last twelve months.
PFSI has positive Gross Profit for the last twelve months.
PFSI has positive Net Debt. This means that the company has more debt (9B USD) than cash and short-term investments (938m USD).
PFSI's short-term liabilties (6B USD) exceed its short-term assets (983m USD).
PFSI's Altman Z-Score is very low and is equal to 0.5.
PFSI doesn't generate enough operating income (346m USD) to safely cover interest payments on its debt (639m USD).
Valuation Backtest
PennyMac Financial Services Inc
Run backtest to discover the historical profit from buying and selling
PFSI
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
PennyMac Financial Services Inc
Balance Sheet Decomposition
PennyMac Financial Services Inc
| Current Assets | 982.6m |
| Cash & Short-Term Investments | 938.4m |
| Receivables | 44.2m |
| Non-Current Assets | 17.9B |
| Long-Term Investments | 4.4B |
| PP&E | 19m |
| Intangibles | 7.1B |
| Other Non-Current Assets | 6.3B |
| Current Liabilities | 5.9B |
| Accounts Payable | 658.1m |
| Short-Term Debt | 4.2B |
| Other Current Liabilities | 1.1B |
| Non-Current Liabilities | 9.4B |
| Long-Term Debt | 4.4B |
| Other Non-Current Liabilities | 5B |
Earnings Waterfall
PennyMac Financial Services Inc
|
Revenue
|
2B
USD
|
|
Cost of Revenue
|
-637.8m
USD
|
|
Gross Profit
|
1.4B
USD
|
|
Operating Expenses
|
-1.1B
USD
|
|
Operating Income
|
346.4m
USD
|
|
Other Expenses
|
-201.7m
USD
|
|
Net Income
|
144.7m
USD
|
Free Cash Flow Analysis
PennyMac Financial Services Inc
What is Free Cash Flow?
PFSI Profitability Score
Profitability Due Diligence
PennyMac Financial Services Inc's profitability score is 55/100. The higher the profitability score, the more profitable the company is.
Score
PennyMac Financial Services Inc's profitability score is 55/100. The higher the profitability score, the more profitable the company is.
PFSI Solvency Score
Solvency Due Diligence
PennyMac Financial Services Inc's solvency score is 16/100. The higher the solvency score, the more solvent the company is.
Score
PennyMac Financial Services Inc's solvency score is 16/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
PFSI Price Targets Summary
PennyMac Financial Services Inc
According to Wall Street analysts, the average 1-year price target for
PFSI
is 110.73 USD
with a low forecast of 106.05 USD and a high forecast of 120.75 USD.
Ownership
PFSI Insider Trading
Buy and sell transactions by insiders
| Period | Sold | Bought | Net |
|---|---|---|---|
| 3 Months |
|
|
|
| 6 Months |
|
|
|
| 9 Months |
|
|
|
| 12 Months |
|
|
|
Shareholder Return
PFSI Price
PennyMac Financial Services Inc
| Average Annual Return | 34.32% |
| Standard Deviation of Annual Returns | 45.46% |
| Max Drawdown | -56% |
| Market Capitalization | 4.4B USD |
| Shares Outstanding | 50 430 000 |
| Percentage of Shares Shorted | 4.37% |
Company Profile
PennyMac Financial Services Inc
Country
Industry
Market Cap
Dividend Yield
Description
PennyMac Financial Services, Inc. operates as a holding company. The company is headquartered in Westlake Village, California and currently employs 7,208 full-time employees. The company went IPO on 2013-05-09. The firm operates through three segments: production, servicing and investment management. The production segment performs loan origination, acquisition and sale activities for its account, as well as for PennyMac Mortgage Investment Trust (PMT). The servicing segment performs loan servicing for both newly originated loans it is holding for sale and loans it serves for others, including for PMT. The investment management segment represents its investment management activities, which include the activities associated with investment asset acquisitions and dispositions such as sourcing, due diligence, negotiation and settlement.
Contact
IPO
Employees
Officers
The intrinsic value of one
PFSI
stock under the Base Case scenario is
125.8
USD.
Compared to the current market price of 87.62 USD,
PennyMac Financial Services Inc
is
Undervalued by 30%.
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