NYSE: PFSI
PennyMac Financial Services, Inc.
Financial Services · Financial - Mortgages
After hours: $77.41(0%) · as of 5:44 PM ET
Market Cap
$4.02B
52w High
$160.36
52w Low
$71.68
P/E
10.51
Volume
818.41K
Outstanding Shares
51.92M
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock fell 21.16% over the last year. Revenue grew 7.8% over the trailing twelve months. Operating margin moved from 23.54% to 30.84%. Free cash flow declined 70.78% over the trailing twelve months.
What the market seems to be pricing
The stock has moved lower against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 30.84%. A decisive move in revenue — currently up 7.8% — would be the clearest signal to resolve the ambiguity.
Company profile
PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States.
Valuation
Stock splits
No stock splits recorded for this ticker.
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
11
Buy
9
Hold
1
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Oct 20, 2026
Q4 FY26 · EPS est $1.80 · Revenue est $561.76M
View
Dividends
$1.20/shareQuarterly6yr growth streakEx-div Aug 17, 2026 · in 9dAt RiskPFSI pays a dividend with a 1.55% declared yield, 6 consecutive years of growth, growing at 9.86% annually, covered -22.6× by free cash flow.
Declared Yield
1.55%
Annual Div / Share
$1.20
5yr CAGR
+9.86%
Doubles every ~7.4yr
Payout Ratio
20.09%
At Risk
Dividend Growth Rate
3yr CAGR
+14.47%
5yr CAGR
+9.86%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$1/mo
In 5 yrs
$2/mo
In 10 yrs
$3/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$16/yr $1/mo | $25/yr+60% $2/mo | $40/yr+156% $3/mo |
Yield-on-cost grows from 1.55% → 3.97% over 10yr
Analysis
Dividend Strengths
Strong dividend growth rate
The 5-year CAGR of 9.86% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
Dividend exceeds free cash flow
Free cash flow covers only -22.57× the dividend. The company is paying out more than it generates in cash, which is unsustainable without borrowing or asset sales.