PFSI Valuation

PennyMac Financial Services Inc

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106.350

-0.66(-0.617%)1D

Overview
Forecast
Valuation
Earnings

PFSI Relative Valuation

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. If the market price exceeds this fair value range, PFSI is overvalued; if below, it's undervalued.

Historical Valuation

PennyMac Financial Services Inc (PFSI) is now in the Fair zone, suggesting that its current forward PE ratio of 8.28 is considered Fairly compared with the five-year average of 7.53. The fair price of PennyMac Financial Services Inc (PFSI) is between 95.37 to 143.87 according to relative valuation methord.

Relative Value

Fair Zone

95.37-143.87

Current Price：107.01

Fair

8.28

Trailing

Forward

0.00

EV/EBITDA

PennyMac Financial Services Inc. (PFSI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

PennyMac Financial Services Inc. (PFSI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

2.36

PennyMac Financial Services Inc. (PFSI) has a current PS of 2.36. The 5-year average PS is 1.87. The thresholds are as follows: Strongly Undervalued below 0.97, Undervalued between 0.97 and 1.42, Fairly Valued between 2.32 and 1.42, Overvalued between 2.32 and 2.77, and Strongly Overvalued above 2.77. The current Forward PS of 2.36 falls within the Overvalued range.

0.00

P/OCF

PennyMac Financial Services Inc. (PFSI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

PennyMac Financial Services Inc. (PFSI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

PennyMac Financial Services Inc (PFSI) has a current Price-to-Book (P/B) ratio of 1.37. Compared to its 3-year average P/B ratio of 1.15 , the current P/B ratio is approximately 19.62% higher. Relative to its 5-year average P/B ratio of 1.14, the current P/B ratio is about 19.82% higher. PennyMac Financial Services Inc (PFSI) has a Forward Free Cash Flow (FCF) yield of approximately -28.72%. Compared to its 3-year average FCF yield of 14.64%, the current FCF yield is approximately -296.09% lower. Relative to its 5-year average FCF yield of 8.34% , the current FCF yield is about -444.46% lower.

1.37

P/B

Median3y

1.15

Median5y

1.14

-28.72

FCF Yield

Median3y

14.64

Median5y

8.34

Competitors Valuation Multiple

The average P/S ratio for PFSI's competitors is 2.71, providing a benchmark for relative valuation. PennyMac Financial Services Inc Corp (PFSI) exhibits a P/S ratio of 2.36, which is -12.92% above the industry average. Given its robust revenue growth of 11.46%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PFSI.N

PennyMac Financial Services Inc

Avis Budget Group Inc

Credit Acceptance Corp

Firstcash Holdings Inc

Performance Decomposition

Market capitalization of PFSI decreased by 0.92% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 16.00 to 19.94.

The secondary factor is the Revenue Growth, contributed 11.46%to the performance.

Overall, the performance of PFSI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

11.46%

614.04M → 684.41M

Revenue Growth

24.63%

16.00 → 19.94

Margin Expansion

-37.01%

23.54 → 14.83

P/E Change

-0.92%