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 8.86 is considered Fairly compared with the five-year average of 7.88. The fair price of PennyMac Financial Services Inc (PFSI) is between 107.61 to 156.58 according to relative valuation methord.
Relative Value
Fair Zone
107.61-156.58
Current Price：132.58
Fair
8.86
PE
1Y
3Y
5Y
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.
2.65
PS
PennyMac Financial Services Inc. (PFSI) has a current PS of 2.65. The 5-year average PS is 1.95. The thresholds are as follows: Strongly Undervalued below 1.08, Undervalued between 1.08 and 1.52, Fairly Valued between 2.39 and 1.52, Overvalued between 2.39 and 2.83, and Strongly Overvalued above 2.83. The current Forward PS of 2.65 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 1.63. Compared to its 3-year average P/B ratio of 1.22 , the current P/B ratio is approximately 33.53% higher. Relative to its 5-year average P/B ratio of 1.15, the current P/B ratio is about 42.30% higher. PennyMac Financial Services Inc (PFSI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of -11.76%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 11.16% , the current FCF yield is about -100.00% lower.
1.63
P/B
Median3y
1.22
Median5y
1.15
-27.54
FCF Yield
Median3y
-11.76
Median5y
11.16
Competitors Valuation Multiple
The average P/S ratio for PFSI's competitors is , providing a benchmark for relative valuation. PennyMac Financial Services Inc Corp (PFSI) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 40.27%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of PFSI increased by 29.80% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 11.02 to 20.56.
The secondary factor is the Revenue Growth, contributed 40.27%to the performance.
Overall, the performance of PFSI in the past 1 year is driven by Margin Expansion. Which is more sustainable.
People Also Watch
FAQ
Is PennyMac Financial Services Inc (PFSI) currently overvalued or undervalued?
What is PennyMac Financial Services Inc (PFSI) fair value?
How does PFSI's valuation metrics compare to the industry average?
What is the current P/B ratio for PennyMac Financial Services Inc (PFSI) as of Dec 05 2025?
What is the current FCF Yield for PennyMac Financial Services Inc (PFSI) as of Dec 05 2025?
What is the current Forward P/E ratio for PennyMac Financial Services Inc (PFSI) as of Dec 05 2025?