# PennyMac Financial Services Inc. (PFSI) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Thrifts & Mortgage Finance. Price $73.29, market value $3.8 billion.

## Valuation
- **P/E (trailing): 10.1×** (5-yr avg 14.7×, 3-yr avg 20.9×). PennyMac Financial Services Inc. trades at 10.1× trailing earnings, well below its own five-year average of 14.7×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.11**. A PEG of 0.11 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 104.9×**. Each dollar of revenue is priced at 104.9×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: -47.3%** (5-yr avg 22.4%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 9.9%**. The inverse of the P/E: 9.9% of the price is earned each year.

## Profitability
- **Return on equity: 11.6%**. 11.6% on shareholders' equity is solid.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -25.2%** (3-yr 17.5%/yr, 5-yr 24.4%/yr). Revenue fell 25.2% over the last year, against 24.4% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 59.2%** (3-yr 3.0%/yr, 5-yr -15.0%/yr). Earnings per share rose 59.2%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 1.64%** ($1.20 per share, trailing). PennyMac Financial Services Inc. yields 1.64%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 12%**. 12% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 6**. 6 straight years of increases.
- **Dividend growth (5 yr): 17.3%/yr** (1-yr 20.0%). The dividend has compounded at 17.3% a year over five years, doubling roughly every 4 years at that pace.

## Price and momentum
- **Total return (1 yr): -35.8%** (YTD -44.0%, 3-mo -9.8%). The shares are down 35.8% over twelve months including dividends.
- **From 52-week high: -54.3%** (3.7% above the low). Trading 54% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 41**. An RSI of 41 is neutral.
- **Beta (1 yr): 0.81** (volatility 46%). Beta of 0.81 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PFSI · Page: https://foliofundamentals.com/stocks/pfsi

Not investment advice.