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 7.98. The fair price of PennyMac Financial Services Inc (PFSI) is between 120.52 to 171.47 according to relative valuation methord.
Relative Value
Fair Zone
120.52-171.47
Current Price：146.19
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
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 1.25 , the current P/B ratio is approximately 30.09% higher. Relative to its 5-year average P/B ratio of 1.15, the current P/B ratio is about 40.94% 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 -18.48%, the current FCF yield is approximately 51.64% lower. Relative to its 5-year average FCF yield of 12.77% , the current FCF yield is about -319.47% lower.
P/B
Median3y
1.25
Median5y
1.15
FCF Yield
Median3y
-18.48
Median5y
12.77
Competitors Valuation Multiple
AI Analysis for PFSI
The average P/S ratio for PFSI competitors is 2.22, providing a benchmark for relative valuation. PennyMac Financial Services Inc Corp (PFSI.N) exhibits a P/S ratio of 2.60, which is 16.9% above the industry average. Given its robust revenue growth of 40.27%, this premium appears sustainable.
Performance Decomposition
AI Analysis for PFSI
1Y
3Y
5Y
Market capitalization of PFSI increased by 0.00% over the past 1 year. 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 is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is PFSI currently overvalued or undervalued?
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 7.98. The fair price of PennyMac Financial Services Inc (PFSI) is between 120.52 to 171.47 according to relative valuation methord.
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 120.52 to 171.47 according to relative valuation methord.
How does PFSI's valuation metrics compare to the industry average?
The average P/S ratio for PFSI's competitors is 2.22, providing a benchmark for relative valuation. PennyMac Financial Services Inc Corp (PFSI) exhibits a P/S ratio of 2.60, which is 16.90% above the industry average. Given its robust revenue growth of 40.27%, this premium appears sustainable.
What is the current P/B ratio for PennyMac Financial Services Inc (PFSI) as of Jan 10 2026?
As of Jan 10 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 Jan 10 2026?
As of Jan 10 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 Jan 10 2026?
As of Jan 10 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 Jan 10 2026?
As of Jan 10 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.