PennyMac Financial Services Inc
NYSE:PFSI

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PennyMac Financial Services Inc
NYSE:PFSI
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Price: 99.56 USD 0.53%
Market Cap: 5.1B USD
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Intrinsic Value

The intrinsic value of one PFSI stock under the Base Case scenario is 209.14 USD. Compared to the current market price of 99.56 USD, PennyMac Financial Services Inc is Undervalued by 52%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

PFSI Intrinsic Value
209.14 USD
Undervaluation 52%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation History
PennyMac Financial Services Inc

Intrinsic Value History
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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

Backtest Example
PFSI
Valuation History
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Valuation History Unavailable

Historical valuation for PFSI cannot be conducted due to limitations such as insufficient data or other constraints.

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Fundamental Analysis

PennyMac Financial Services Inc
NYSE:PFSI
US
Financial Services
Market Cap
5.1B USD
IPO
May 9, 2013
US
Financial Services
Market Cap
5.1B USD
IPO
May 9, 2013
Price
$
$
Company Overview
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Business Segments
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Management
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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
PennyMac Financial Services Inc

Current Assets 240.3m
Cash & Short-Term Investments 211.1m
Receivables 29.2m
Non-Current Assets 23.6B
Long-Term Investments 8.4B
Intangibles 9B
Other Non-Current Assets 6.3B
Current Liabilities 9.2B
Accounts Payable 466.2m
Short-Term Debt 7.6B
Other Current Liabilities 1.2B
Non-Current Liabilities 10.8B
Long-Term Debt 5.7B
Other Non-Current Liabilities 5B
Efficiency

Free Cash Flow Analysis
PennyMac Financial Services Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate

Earnings Waterfall
PennyMac Financial Services Inc

Revenue
2.6B USD
Cost of Revenue
-861.7m USD
Gross Profit
1.7B USD
Operating Expenses
-1.3B USD
Operating Income
461.3m USD
Other Expenses
-112.9m USD
Net Income
348.4m USD
Fundamental Scores

PFSI Profitability Score
Profitability Due Diligence

PennyMac Financial Services Inc's profitability score is 52/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Negative Free Cash Flow
Positive Operating Income
Exceptional 1-Year Revenue Growth
52/100
Profitability
Score

PennyMac Financial Services Inc's profitability score is 52/100. 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 11/100. The higher the solvency score, the more solvent the company is.

Long-Term Solvency
High D/E
Positive Net Debt
Short-Term Solvency
11/100
Solvency
Score

PennyMac Financial Services Inc's solvency score is 11/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

PFSI Price Targets Summary
PennyMac Financial Services Inc

Wall Street analysts forecast PFSI stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for PFSI is 127.12 USD with a low forecast of 111.1 USD and a high forecast of 148.05 USD.

Lowest
Price Target
111.1 USD
12% Upside
Average
Price Target
127.12 USD
28% Upside
Highest
Price Target
148.05 USD
49% Upside
View Analyst Estimates
View Analyst Estimates

Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Previous Payment
-
Today
Next Payment
-
Today
May 13, 2025
Previous Payment
-
Next Payment
-
Ex-Dividend Date
-
Shareholder Yield

Current shareholder yield for PFSI is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest
Debt Paydown Yield
Lowest
Average
Highest

Ownership

PFSI Insider Trading
Buy and sell transactions by insiders

What is the Intrinsic Value of one PFSI stock?

The intrinsic value of one PFSI stock under the Base Case scenario is 209.14 USD.

Is PFSI stock undervalued or overvalued?

Compared to the current market price of 99.56 USD, PennyMac Financial Services Inc is Undervalued by 52%.

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