
PFSI
PennyMac Financial Services Inc
- Overview
- Forecast
- Valuation
- Earnings

Line
|

Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
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
EV
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.
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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
to
NULL
downgrade
$125 -> $121
2025-07-23
New
Reason
Piper Sandler
Price Target
$125 -> $121
2025-07-23
New
downgrade
Overweight
to
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
Financials
Annual
Quarterly
FY2025Q2
YoY :
+11.44%
684.31M
Total Revenue
FY2025Q2
YoY :
-7.53%
316.02M
Operating Profit
FY2025Q2
YoY :
+38.88%
136.46M
Net Income after Tax
FY2025Q2
YoY :
+37.30%
2.54
EPS - Diluted
FY2025Q1
YoY :
-217.25%
1.06B
Free Cash Flow
FY2025Q2
YoY :
-100.00%
N/A
FCF Margin - %
FY2025Q2
YoY :
+24.63%
19.94
Net Margin - %
FY2025Q2
YoY :
+42.09%
7.63
ROIC
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
3.6M
USD
5
3-6
Months
5.6M
USD
16
6-9
Months
17.3M
USD
12
0-12
Months
10.7M
USD
8
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds areSelling! The selling amount has increased 15925.56% over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
144.2K
Volume
2
6-9
Months
900.0
Volume
1
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
1
200.0K
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
3.6M
USD
5
3-6
Months
5.6M
USD
16
6-9
Months
17.3M
USD
12
0-12
Months
10.7M
USD
8
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
PFSI News & Events
Events Timeline
2025-04-22 (ET)
2025-04-22
16:18:01
PennyMac Financial reports Q1 EPS $1.42 vs 74c last year

2025-01-30 (ET)
2025-01-30
15:15:41
PennyMac Financial reports Q4 EPS $1.95, consensus $3.02

2024-10-22 (ET)
2024-10-22
16:20:20
PennyMac Financial reports Q3 EPS $1.30, consensus $2.90

Sign Up For More Events
Sign Up For More Events
News
9.5
07-23NASDAQ.COMPinnedPennyMac (PFSI) Q2 2025 Earnings Call Transcript
4.0
07-24BenzingaWhere PennyMac Financial Servs Stands With Analysts
3.0
07-21Yahoo FinancePennyMac Financial Services Inc (PFSI) Q2 2025: Everything You Need To Know Ahead Of Earnings
Sign Up For More News
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FAQ

What is PennyMac Financial Services Inc (PFSI) stock price today?
The current price of PFSI is 92.12 USD — it has decreased -1.22 % in the last trading day.

What is PennyMac Financial Services Inc (PFSI)'s business?

What is the price predicton of PFSI Stock?

What is PennyMac Financial Services Inc (PFSI)'s revenue for the last quarter?

What is PennyMac Financial Services Inc (PFSI)'s earnings per share (EPS) for the last quarter?

What changes have occurred in the market's expectations for PennyMac Financial Services Inc (PFSI)'s fundamentals?

How many employees does PennyMac Financial Services Inc (PFSI). have?
