PFSI PE Ratio & Valuation, Is PFSI Overvalued

Historical Valuation

PennyMac Financial Services Inc (PFSI) is now in the Fair zone, suggesting that its current forward PE ratio of 8.99 is considered Fairly compared with the five-year average of 8.15. The fair price of PennyMac Financial Services Inc (PFSI) is between 81.29 to 109.30 according to relative valuation method.

Relative Value

Fair Zone

81.29-109.30

Current Price：89.59

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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PennyMac Financial Services Inc (PFSI) has a current Price-to-Book (P/B) ratio of 1.62. Compared to its 3-year average P/B ratio of 1.27, the current P/B ratio is approximately 28.07% higher. Relative to its 5-year average P/B ratio of 1.15, the current P/B ratio is about 41.49% higher. PennyMac Financial Services Inc (PFSI) has a Forward Free Cash Flow (FCF) yield of approximately -28.03%. Compared to its 3-year average FCF yield of -30.95%, the current FCF yield is approximately -9.44% lower. Relative to its 5-year average FCF yield of 18.08%, the current FCF yield is about -255.06% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for PFSI competitors is 2.47, providing a benchmark for relative valuation. PennyMac Financial Services Inc Corp (PFSI.N) exhibits a P/S ratio of 2.60, which is 5.12% above the industry average. Given its robust revenue growth of 14.70%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of PFSI increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of PFSI in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is PFSI currently overvalued or undervalued?

What is PennyMac Financial Services Inc (PFSI) fair value?

PFSI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of PennyMac Financial Services Inc (PFSI) is between 81.29 to 109.30 according to relative valuation method.

How does PFSI's valuation metrics compare to the industry average?

The average P/S ratio for PFSI's competitors is 2.47, providing a benchmark for relative valuation. PennyMac Financial Services Inc Corp (PFSI) exhibits a P/S ratio of 2.60, which is 5.12% above the industry average. Given its robust revenue growth of 14.70%, this premium appears unsustainable.

What is the current P/B ratio for PennyMac Financial Services Inc (PFSI) as of Mar 11 2026?

As of Mar 11 2026, PennyMac Financial Services Inc (PFSI) has a P/B ratio of 1.62. This indicates that the market values PFSI at 1.62 times its book value.

What is the current FCF Yield for PennyMac Financial Services Inc (PFSI) as of Mar 11 2026?

As of Mar 11 2026, PennyMac Financial Services Inc (PFSI) has a FCF Yield of -28.03%. This means that for every dollar of PennyMac Financial Services Inc's market capitalization, the company generates -28.03 cents in free cash flow.

What is the current Forward P/E ratio for PennyMac Financial Services Inc (PFSI) as of Mar 11 2026?

As of Mar 11 2026, PennyMac Financial Services Inc (PFSI) has a Forward P/E ratio of 8.99. This means the market is willing to pay $8.99 for every dollar of PennyMac Financial Services Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for PennyMac Financial Services Inc (PFSI) as of Mar 11 2026?

As of Mar 11 2026, PennyMac Financial Services Inc (PFSI) has a Forward P/S ratio of 2.60. This means the market is valuing PFSI at $2.60 for every dollar of expected revenue over the next 12 months.

PFSI Valuation