PennyMac Financial Services, Inc. · Mortgage Bankers & Loan Correspondents

PFSI

Moderate riskNext report: Oct 29 (confirmed)

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The short version

A profitable company with growing sales.

Going well

Profitable every year for 10 years
Sales up 28% last year
Buying back shares: share count down 3.7% in 3 years

Money moves

No insider buying or selling in the last 30 days
Institutions added 0.7% to their holdings in the quarter ending June 2026 (129 bought, 101 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$63.15-0.8% that day

Company value: $3.3B; Share price times all shares
Price vs profit (P/E): 8.7x; You pay about $9 for each $1 of yearly profit
Price vs sales: 90.4x; Company value is 90.4 times a year of sales
Dividend yield: 1.9%; Yearly dividend as a share of today's price
Cash vs value: 7%; Cash as a share of company value
Debt vs value: 190%; Owes more than the whole company is worth

From PFSI's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$19.5M+332% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $36.3M, up 114% from the 12 months before. Over 5 years, sales shrank about 11% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of PFSI. Starting points are the company's recent numbers (it isn't profitable yet, so the margin starts at a 10% guess).

Sales growth-10% a yearRecently: -11% a yearProfit margin10%Not reportedP/E at the end9xToday: 8.7x. Many steady companies trade at 12x to 25xShare count change-1% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$21M

Profit in 5 years$2M

Price these guesses point to$0.39-99% vs $63.15 todayAbout -64% a year, before dividends

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

3/4Mixed

PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.24.5%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
MissFree cash flow positiveBrings in more cash than it spends to run and grow.-$1.7B
PassShare count not growingNot diluting owners. Falling means buybacks.-3.7% in 3 years

Revenue: $2.0B; +28.4% vs prior year
5-year growth: -11.2%/yr; revenue, per year
Total debt: $6.2B
Free cash flow: -$1.7B; -81.3% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: return on equity 15%+, debt under half of equity. A checklist is a starting point for research, not a verdict.