PFSI

PennyMac Financial Services Inc

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Advanced Chart

92.120

-1.14(-1.222%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

93.050

Open

92.890

VWAP

92.40

Vol

168.03K

Mkt Cap

4.82B

Low

91.780

Amount

15.53M

EV/EBITDA(TTM)

13.27

Total Shares

50.92M

17.92B

EV/OCF(TTM)

P/S(TTM)

1.95

PennyMac Financial Services, Inc. is a specialty financial services company, which is focused on the production and servicing of the United States mortgage loans and the management of investments related to the United States mortgage market. The Company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities for its account, as well as for PennyMac Mortgage Investment Trust (PMT). Its loan production segment sources new prime credit quality residential conventional and government-insured or guaranteed mortgage loans through three channels: correspondent production, broker direct lending and consumer direct lending. The servicing segment performs loan servicing for both newly originated loans it is holding for sale and loans its services for others, including for PMT. Its loan servicing segment performs loan administration, collection, and default management activities.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

571.68M

+32.67%

3.179

+14.76%

589.46M

+25.39%

3.111

+8.14%

586.82M

+42.49%

3.032

-13.13%

Estimates Revision

The market is revising Downward the revenue expectations for PennyMac Financial Services, Inc. (PFSI) for FY2025, with the revenue forecasts being adjusted by -0.12% over the past three months. During the same period, the stock price has changed by -1.58%.

Revenue Estimates for FY2025

Revise Downward

-0.12%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-4.02%

In Past 3 Month

Stock Price

Go Down

-1.58%

In Past 3 Month

7 Analyst Rating

33.30% Upside

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 122.80 USD with a low forecast of 110.00 USD and a high forecast of 135.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

5 Buy

2 Hold

0 Sell

Moderate Buy

33.30% Upside

Current: 92.120

Low

110.00

Averages

122.80

High

135.00

33.30% Upside

Current: 92.120

Low

110.00

Averages

122.80

High

135.00

Keefe Bruyette

Bose George

Outperform -> Outperform

downgrade

$121 -> $117

2025-07-24

New

Reason

Keefe Bruyette

Bose George

Price Target

$121 -> $117

2025-07-24

New

downgrade

Outperform -> Outperform

Reason

Keefe Bruyette analyst Bose George lowered the firm's price target on PennyMac Financial to $117 from $121 and keeps an Outperform rating on the shares.

UBS

Neutral

downgrade

$115 -> $110

2025-07-24

New

Reason

UBS

Price Target

$115 -> $110

2025-07-24

New

downgrade

Neutral

Reason

UBS lowered the firm's price target on PennyMac Financial to $110 from $115 and keeps a Neutral rating on the shares.

Piper Sandler

Overweight

NULL

downgrade

$125 -> $121

2025-07-23

New

Reason

Piper Sandler

Price Target

$125 -> $121

2025-07-23

New

downgrade

Overweight

NULL

Reason

Piper Sandler lowered the firm's price target on PennyMac Financial to $121 from $125 and keeps an Overweight rating on the shares. The firm notes PennyMac posted an operating miss driven by lower gain on sale income, partially offset by higher servicing fees. While the operating miss and ROE was disappointing, Piper remains positive long-term given the balanced model and the company's ability to outperform and take advantage of episodic rate moves.

Wells Fargo

Overweight

downgrade

$120 -> $115

2025-07-23

New

Reason

Wells Fargo

Price Target

$120 -> $115

2025-07-23

New

downgrade

Overweight

Reason

Wells Fargo lowered the firm's price target on PennyMac Financial to $115 from $120 and keeps an Overweight rating on the shares. The firm cites a disappointing quarter with operating ROE shrinking to 13%. The good news is that management expects ROE to improve to mid-to-high teens in the second half of 2025, Wells adds.

UBS

Doug Harter

Neutral

maintain

$110 -> $115

2025-07-15

Reason

UBS

Doug Harter

Price Target

$110 -> $115

2025-07-15

maintain

Neutral

Reason

UBS analyst Doug Harter raised the firm's price target on PennyMac Financial to $115 from $110 and keeps a Neutral rating on the shares.

Keefe Bruyette

NULL -> Outperform

maintain

$114 -> $121

2025-07-10

Reason

Keefe Bruyette

Price Target

$114 -> $121

2025-07-10

maintain

NULL -> Outperform

Reason

Keefe Bruyette raised the firm's price target on PennyMac Financial to $121 from $114 and keeps an Outperform rating on the shares.

See All Ratings

Valuation Metrics

The current forward P/E ratio for PennyMac Financial Services Inc (PFSI.N) is 7.32, compared to its 5-year average forward P/E of 7.46. For a more detailed relative valuation and DCF analysis to assess PennyMac Financial Services Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

7.46

Current PE

7.32

Overvalued PE

9.88

Undervalued PE

5.05

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

1.86

Current PS

2.28

Overvalued PS

2.32

Undervalued PS

1.40