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Low
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Total Shares
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EV/OCF(TTM)
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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q2
FY2025Q3
FY2025Q4
535.94M
+31.96%
3.242
+21.41%
571.83M
+38.85%
3.478
-0.33%
570.07M
+21.26%
3.401
+18.22%
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 -7.34% over the past three months. During the same period, the stock price has changed by 8.35%.
Revenue Estimates for FY2025
Revise Downward
-7.34%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
-1.54%
In Past 3 Month
Stock Price
Go Up
+8.35%
In Past 3 Month
7 Analyst Rating
0Wall 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 123.40 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
0Current: 100.130
Low
110.00
Averages
123.40
High
135.00
0Current: 100.130
Low
110.00
Averages
123.40
High
135.00
Piper Sandler
Overweight
to
Overweight
downgrade
$128 -> $125
2025-07-01
Reason
Piper Sandler
Price Target
$128 -> $125
2025-07-01
downgrade
Overweight
to
Overweight
Reason
Piper Sandler lowered the firm's price target on PennyMac Financial to $125 from $128 and keeps an Overweight rating on the shares. The firm notes that the macro environment continues to be a driving force in its coverage given rate volatility, elevated mortgage rates, and uncertainty around tariffs and economic growth. In addition, M&A and GSE reform are two key topics that will likely be discussed on upcoming earnings calls in the mortgage space.
Wells Fargo
Michael Kaye
Overweight
downgrade
$125 -> $120
2025-04-24
Reason
Wells Fargo
Michael Kaye
Price Target
$125 -> $120
2025-04-24
downgrade
Overweight
Reason
Wells Fargo analyst Michael Kaye lowered the firm's price target on PennyMac Financial to $120 from $125 and keeps an Overweight rating on the shares. The firm notes the company reported a good solid quarter, including the unchanged 2025 ROE guidance as well as the early progress on the sub-servicing initiative. Wells is tweaking EPS and lowering its price target on the challenging mortgage climate.
Piper Sandler
Crispin Love
Buy
Maintains
$130 → $128
2025-04-23
Reason
Piper Sandler
Crispin Love
Price Target
$130 → $128
2025-04-23
Maintains
Buy
Reason
UBS
Douglas Harter
Hold
Maintains
$115 → $110
2025-04-16
Reason
UBS
Douglas Harter
Price Target
$115 → $110
2025-04-16
Maintains
Hold
Reason
UBS analyst Doug Harter lowered the firm's price target on PennyMac Financial to $110 from $115 and keeps a Neutral rating on the shares as part of a Q1 mortgage banking preview. The environment continued to be more favorable for servicing earnings than originations in Q1 as seasonality weighed on volumes in the quarter, the analyst tells investors in a research note. The firm says that while there is downside risk to Q1 funded volume estimates, the late quarter pickup in refinance volume should benefit lock volume and reduces the risk to estimates.
Keefe, Bruyette & Woods
George Bose
Hold
to
Buy
Upgrades
$114
2025-04-08
Reason
Keefe, Bruyette & Woods
George Bose
Price Target
$114
2025-04-08
Upgrades
Hold
to
Buy
Reason
Keefe Bruyette upgraded PennyMac Financial to Outperform from Market Perform with a $114 price target. The firm cites valuation for the upgrade following the recent selloff in the shares. Title insurers have fallen more meaningfully since April 2 versus the S&P 500, down 10%, the analyst tells investors in a research note. Since a weakening economy usually results in lower rates and is positive for title insurers, Keefe assume the declines are due to concerns about commercial activity, the analyst tells investors in a research note. The firm thinks title insurers are well positioned to benefit if lower interest rates in 2025 provide incremental support to purchase volumes.
Piper Sandler
Crispin Love
Buy
Maintains
$132 → $130
2025-01-31
Reason
Piper Sandler
Crispin Love
Price Target
$132 → $130
2025-01-31
Maintains
Buy
Reason
See All Ratings
Valuation Metrics
The current forward P/E ratio for PennyMac Financial Services Inc (PFSI.N) is 7.63, compared to its 5-year average forward P/E of 7.40. 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
7.40
Current PE
7.63
Overvalued PE
9.88
Undervalued PE
4.93
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.
Overvalued
5Y Average PS
1.84
Current PS
2.36
Overvalued PS
2.31
Undervalued PS
1.37
Financials
Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds areSelling! The selling amount has increased 15925.56% over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
PFSI News & Events
Events Timeline
(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
Preview
2.0
07-02NASDAQ.COMPFSI Makes Bullish Cross Above Critical Moving Average
Preview
8.0
06-25NewsfilterPennyMac Mortgage Investment Trust Declares Second Quarter 2025 Dividend for Its Common Shares
Preview
6.5
06-16NASDAQ.COMAnalysts Anticipate KBE Will Reach $61
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FAQ
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