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PennyMac Financial Services stock price, quote, forecast and news

PFSI
US70932M1071
A2N8PG

Price

107.28
Today +/-
-0.22
Today %
-0.22 %
P

PennyMac Financial Services stock price

%
Weekly
Details

Price

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Overview

The Quote Chart provides detailed and dynamic insights into the PennyMac Financial Services stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the PennyMac Financial Services stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the PennyMac Financial Services stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze PennyMac Financial Services's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

PennyMac Financial Services Stock Price History

DatePennyMac Financial Services Price
9/11/2024107.28 undefined
9/10/2024107.52 undefined
9/9/2024107.42 undefined
9/6/2024106.63 undefined
9/5/2024108.14 undefined
9/4/2024107.37 undefined
9/3/2024105.97 undefined
8/30/2024108.00 undefined
8/29/2024105.25 undefined
8/28/2024102.94 undefined
8/27/2024103.14 undefined
8/26/2024103.04 undefined
8/23/2024102.39 undefined
8/22/202499.51 undefined
8/21/202499.46 undefined
8/20/202498.66 undefined
8/19/202499.08 undefined
8/16/202497.75 undefined
8/15/202498.04 undefined

PennyMac Financial Services Revenue, EBIT, Net Income

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  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into PennyMac Financial Services, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by PennyMac Financial Services from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects PennyMac Financial Services’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of PennyMac Financial Services. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into PennyMac Financial Services’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing PennyMac Financial Services’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on PennyMac Financial Services’s growth potential.

PennyMac Financial Services Revenue, EBIT and net profit per share

DatePennyMac Financial Services RevenuePennyMac Financial Services EBITPennyMac Financial Services Net Income
2026e2.48 B undefined0 undefined769.28 M undefined
2025e2.2 B undefined746.23 M undefined654.97 M undefined
2024e1.76 B undefined540.4 M undefined425.84 M undefined
20232.04 B undefined346.4 M undefined144.66 M undefined
20222.32 B undefined665.2 M undefined475.5 M undefined
20213.56 B undefined1.36 B undefined1 B undefined
20203.98 B undefined2.25 B undefined1.65 B undefined
20191.69 B undefined529.4 M undefined393 M undefined
20181.13 B undefined267.6 M undefined87.7 M undefined
20171.39 B undefined335.8 M undefined100.8 M undefined
20161.36 B undefined382.9 M undefined66.1 M undefined
2015938.4 M undefined279 M undefined47.2 M undefined
2014597 M undefined223 M undefined36.8 M undefined
2013432.7 M undefined182.1 M undefined14.4 M undefined
2012285.2 M undefined118.3 M undefined118.3 M undefined
201186.1 M undefined14.7 M undefined14.7 M undefined
201069.2 M undefined33 M undefined200,000 undefined

PennyMac Financial Services Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
201020112012201320142015201620172018201920202021202220232024e2025e2026e
0.070.090.290.430.60.941.361.391.131.693.983.562.322.041.762.22.48
-24.64231.4051.5838.1957.1245.202.20-18.8949.60135.46-10.54-34.77-12.15-13.5425.0112.30
98.5597.6797.1996.3093.6392.6492.1489.5887.1687.4593.1689.0185.5268.71---
0.070.080.280.420.560.871.261.250.981.483.713.171.991.4000
0.030.010.120.180.220.280.380.340.270.532.251.360.670.350.540.750
47.8316.2841.4042.1337.3529.7428.0524.0723.6531.3256.6538.2028.6516.9730.6333.85-
00.010.120.010.040.050.070.10.090.391.6510.480.140.430.650.77
--742.86-88.14157.1430.5640.4351.52-13.00351.72318.83-39.06-52.64-69.68195.1453.8817.58
-----------------
-----------------
11.112.812.875.97676.176.62535.380.378.767.55652.73000
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Details

Keystats

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Revenue and Growth

The PennyMac Financial Services Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the PennyMac Financial Services is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (B)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (B)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
20102011201220132014201520162017201820192020202120222023
                           
0.010.020.010.030.080.110.10.040.160.190.530.341.330.94
00032110000000
000192419170000000
00000000000000
00000000000000
0.010.020.010.050.10.130.120.040.160.190.530.341.330.94
1351011163129331041071219419.02
0.030.110.50.681.171.152.263.272.644.9911.639.753.524.43
98400000000000
0.030.030.110.480.731.421.642.152.862.992.583.885.957.1
00000000000000
00063461800000000
0.070.150.621.231.962.63.935.445.538.0814.3213.759.5711.55
0.070.170.631.292.062.724.055.485.698.2714.8514.0910.912.49
                           
469911900000000000.01
-0-0.02-0.010.150.160.170.180.21.311.341.050.1300.02
0.050.050.150.010.050.10.170.270.340.732.343.293.473.51
00000000000000
00000000000000
0.090.120.260.170.210.270.350.471.652.063.393.423.473.54
2168120164222283325246261248448587467658.11
0000000009194110860
0000.070.080.070.10.10.450.550.660.721.031.07
00.10.450.470.971.42.412.912.474.6410.187.773.294.21
00000000000000
0.020.160.570.711.261.762.833.253.175.5311.389.194.875.94
0000.050.150.080.170.911.31.321.953.083.724.39
00000000000000
0.01000.20.290.610.731.491.351.314.883.14.764.98
0.01000.250.440.690.92.42.652.6116.836.178.489.37
0.040.160.570.961.72.443.745.655.838.1428.2115.3613.3515.31
0.130.290.831.121.912.714.086.127.4810.231.618.7816.8218.84
Details

Balance Sheet

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Understanding the Balance Sheet

The balance sheet of PennyMac Financial Services provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand PennyMac Financial Services's financial health and stability.

Assets

PennyMac Financial Services's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that PennyMac Financial Services must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of PennyMac Financial Services after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into PennyMac Financial Services's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
20102011201220132014201520162017201820192020202120222023
0.030.010.120.170.20.250.340.310.240.391.6510.480.14
091230421553062812581525283453
00002129180000000
-0.02-0.09-0.45-0.29-0.88-0.42-1.64-1.460.09-1.53-4.675.637.11-0.58
-22-632-449545151-1,100-3,152-4,061-1,544-1,170
00003669104158161188273389330639
0000411-5-232475293127-1
-0.01-0.07-0.31-0.1-0.580.05-0.94-0.880.57-2.25-6.22.566.03-1.58
-12-3-3-202-140-394-30-202-258-263-84-56-83-36
-7-12-45-2846-563-34-339-322148783-304-721-273
5-9-41-82147-168-4-136-64411867-247-638-237
00000000000000
0.0200.030.080.590.371.111.25-0.062.196.19-1.27-3.841.6
000230000-704-328-950-403-54
0.020.10.350.40.620.540.971.16-0.132.135.76-2.45-4.321.47
6963159428174-138-77-66-51-67-181-27-42
00000000-10-9-30-52-54-41
310-4184529-5-6111732344-192988-390
-25.4-78.1-312-301.2-719.2-341.6-968.8-1,085.7313.9-2,508.1-6,283.12,506.25,950.1-1,618.39
00000000000000

PennyMac Financial Services stock margins

The PennyMac Financial Services margin analysis displays the gross margin, EBIT margin, as well as the profit margin of PennyMac Financial Services. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for PennyMac Financial Services.

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Gross margin
EBIT margin
Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the PennyMac Financial Services's sales revenue. A higher gross margin percentage indicates that the PennyMac Financial Services retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the PennyMac Financial Services's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the PennyMac Financial Services's total revenue generated. When comparing the revenue margin year over year, investors can gauge the PennyMac Financial Services's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the PennyMac Financial Services. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the PennyMac Financial Services's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

PennyMac Financial Services Margin History

PennyMac Financial Services Gross marginPennyMac Financial Services Profit marginPennyMac Financial Services EBIT marginPennyMac Financial Services Profit margin
2026e68.73 %0 %31.08 %
2025e68.73 %33.86 %29.72 %
2024e68.73 %30.65 %24.15 %
202368.73 %16.99 %7.09 %
202285.55 %28.66 %20.49 %
202189.02 %38.22 %28.2 %
202093.17 %56.67 %41.41 %
201987.45 %31.34 %23.26 %
201887.19 %23.7 %7.77 %
201789.62 %24.12 %7.24 %
201692.2 %28.11 %4.85 %
201592.69 %29.73 %5.03 %
201493.77 %37.35 %6.16 %
201396.14 %42.08 %3.33 %
201297.23 %41.48 %41.48 %
201197.79 %17.07 %17.07 %
201098.7 %47.69 %0.29 %

PennyMac Financial Services Stock Sales Revenue, EBIT, Earnings per Share

The PennyMac Financial Services earnings per share therefore indicates how much revenue PennyMac Financial Services has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue PennyMac Financial Services earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates PennyMac Financial Services's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of PennyMac Financial Services’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating PennyMac Financial Services's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

PennyMac Financial Services Revenue, EBIT and net profit per share

DatePennyMac Financial Services Sales per SharePennyMac Financial Services EBIT per sharePennyMac Financial Services Earnings per Share
2026e48.35 undefined0 undefined15.03 undefined
2025e43.06 undefined0 undefined12.79 undefined
2024e34.44 undefined0 undefined8.32 undefined
202338.67 undefined6.57 undefined2.74 undefined
202241.45 undefined11.88 undefined8.49 undefined
202152.71 undefined20.15 undefined14.87 undefined
202050.53 undefined28.64 undefined20.93 undefined
201921.04 undefined6.59 undefined4.89 undefined
201831.99 undefined7.58 undefined2.48 undefined
201755.7 undefined13.43 undefined4.03 undefined
201617.78 undefined5 undefined0.86 undefined
201512.33 undefined3.67 undefined0.62 undefined
20147.86 undefined2.93 undefined0.48 undefined
20135.7 undefined2.4 undefined0.19 undefined
201222.28 undefined9.24 undefined9.24 undefined
20116.73 undefined1.15 undefined1.15 undefined
20106.23 undefined2.97 undefined0.02 undefined

PennyMac Financial Services business model

PennyMac Financial Services Inc is an American company specializing in providing financial services. It was founded in 2008 by Stanford Kurland, the former Chief Financial Officer of Freddie Mac. PennyMac's business model can be best described as a vertically integrated mortgage broker. The company is able to cover the entire process of mortgage financing, from application evaluation to loan management and repayment. It combines automated processes with personalized advice from trained professionals. One key aspect of PennyMac's business model is direct sales. The company offers various mortgage products directly through the internet, without the need for physical branches or brokers. This allows customers to easily obtain loans online, faster and often at a lower cost compared to traditional banks. Over the years, PennyMac has specialized in different areas. In addition to traditional home financing and loans, the company also offers refinancing options. Refinancing involves replacing an existing mortgage loan with a new loan, typically at a lower interest rate, which can help lower monthly payments, reduce costs, and save money. PennyMac also has a division for investment and mortgage pools, specializing in structured financial products to hedge mortgage exposures. These products are used by financial institutions and institutional investors to protect their portfolios against market volatility and recessions. In this segment, PennyMac collaborates closely with leading investment banks and fund managers. PennyMac Real Estate Services is another important branch of the company, which supports buyers and sellers in real estate transactions. The company offers a complete range of services, including property valuation, inspection, market analysis, and support in contract negotiations. In summary, PennyMac Financial Services is a versatile mortgage loan company that focuses on the needs of its customers. It offers a wide range of mortgage products and financial services, covering the entire process of mortgage financing. With a combination of personalized advice and online tools, PennyMac has efficiently and cost-effectively operated in a customer-oriented manner, establishing a reputation as an innovative financial services company in the United States and beyond. PennyMac Financial Services is one of the most popular companies on Eulerpool.com.

PennyMac Financial Services SWOT Analysis

Strengths

PennyMac Financial Services Inc has several strengths that contribute to its success in the financial services industry. These strengths include:

  • Strong financial position: PennyMac has a healthy financial position, which allows it to invest in growth opportunities and withstand market fluctuations.
  • Diversified business model: The company operates in various segments of the mortgage market, including loan origination, servicing, and investment activities, which helps in spreading risk.
  • Advanced technology infrastructure: PennyMac has invested in cutting-edge technology, allowing it to efficiently process and manage mortgage loans, resulting in cost savings and better customer service.
  • Experienced management team: The company is led by a team with extensive industry experience, providing strategic guidance and expertise in navigating the highly competitive market.

Weaknesses

Despite its strengths, PennyMac Financial Services Inc also has certain weaknesses that could hinder its performance. These weaknesses include:

  • Dependence on macroeconomic conditions: PennyMac's performance is heavily influenced by factors such as interest rates, housing market conditions, and regulatory changes, which can pose challenges.
  • Reliance on third-party service providers: The company relies on external vendors for certain services, which exposes it to risks such as service disruptions or integration issues.
  • Limited geographic presence: Although PennyMac operates nationwide, it may face challenges in expanding its market share in regions where it has less visibility or market penetration.

Opportunities

PennyMac Financial Services Inc can capitalize on various opportunities to further enhance its position in the market. These opportunities include:

  • Growing mortgage market: The mortgage industry is expected to witness growth in the coming years, presenting opportunities for PennyMac to increase loan originations and servicing volumes.
  • Demand for digital mortgage solutions: With the increasing adoption of digital processes in the mortgage industry, PennyMac can leverage its technology infrastructure to offer innovative digital solutions, attracting tech-savvy customers.
  • Expansion of product offerings: The company can explore diversifying its product portfolio to include complementary services or expand into new mortgage-related sectors, thereby capturing additional market share.

Threats

PennyMac Financial Services Inc faces various threats that could impact its operations and market position. These threats include:

  • Intense competition: The financial services industry is highly competitive, with both traditional banks and non-bank mortgage lenders vying for market share, which could put pressure on PennyMac's profitability.
  • Regulatory changes: The industry is subject to regulatory scrutiny, and changes in regulations or increased compliance requirements could increase costs and impact business operations.
  • Economic downturn: A recession or housing market decline could adversely affect the demand for mortgages, leading to a decrease in loan originations and servicing volumes.

PennyMac Financial Services Eulerpool Fair Value

Details

Fair Value

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Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

PennyMac Financial Services historical P/E ratio, EBIT, and P/S ratio.

PennyMac Financial Services shares outstanding

The number of shares was PennyMac Financial Services in 2023 — This indicates how many shares 52.733 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue PennyMac Financial Services earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates PennyMac Financial Services's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of PennyMac Financial Services’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating PennyMac Financial Services's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

PennyMac Financial Services dividend history and estimates

In 2023, PennyMac Financial Services paid a dividend amounting to 0.8 USD. Dividend means that PennyMac Financial Services distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for PennyMac Financial Services provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify PennyMac Financial Services’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating PennyMac Financial Services's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

PennyMac Financial Services Dividend History

DatePennyMac Financial Services Dividend
2026e0.9 undefined
2025e0.9 undefined
2024e0.9 undefined
20230.8 undefined
20220.8 undefined
20211 undefined
20200.54 undefined
20190.12 undefined
20180.4 undefined

PennyMac Financial Services dividend payout ratio

In 2023, PennyMac Financial Services had a payout ratio of 6.24%. The payout ratio indicates the percentage of the company's profits that PennyMac Financial Services distributes as dividends.

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Payout ratio
Details

Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for PennyMac Financial Services represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for PennyMac Financial Services could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate PennyMac Financial Services's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

PennyMac Financial Services Payout Ratio History

DatePennyMac Financial Services Payout ratio
2026e7.13 %
2025e7.7 %
2024e7.46 %
20236.24 %
20229.41 %
20216.72 %
20202.58 %
20192.45 %
201816.13 %
20176.24 %
20166.24 %
20156.24 %
20146.24 %
20136.24 %
20126.24 %
20116.24 %
20106.24 %
Unfortunately, there are currently no price targets and forecasts available for PennyMac Financial Services.

PennyMac Financial Services latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20242.63 1.85  (-29.68 %)2024 Q2
3/31/20242.35 2.48  (5.33 %)2024 Q1
12/31/20231.52 -0.74  (-148.58 %)2023 Q4
9/30/20231.73 1.77  (2.6 %)2023 Q3
6/30/20231.52 1.11  (-27.07 %)2023 Q2
3/31/20231.08 0.57  (-47.34 %)2023 Q1
12/31/20221.08 0.71  (-34.41 %)2022 Q4
9/30/20221.15 2.46  (113.34 %)2022 Q3
6/30/20221.12 2.28  (102.68 %)2022 Q2
3/31/20222.5 2.94  (17.74 %)2022 Q1
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Eulerpool ESG Scorecard© for the PennyMac Financial Services stock

Eulerpool World ESG Rating (EESG©)

64/ 100

🌱 Environment

29

👫 Social

99

🏛️ Governance

64

Environment

Scope 1 - Direct Emissions
—
Scope 2 - Indirect emissions from purchased energy
—
Scope 3 - Indirect emissions within the value chain
—
Total CO₂ emissions
—
CO₂ reduction strategy
✅
Coal energy
❌
Nuclear power
❌
Animal experiments
❌
Fur & Leather
—
Pesticides
—
Palm Oil
—
Tobacco
❌
Genetically modified organisms
❌
Climate concept
—
Sustainable forestry
—
Recycling regulations
❌
Environmentally friendly packaging
❌
Hazardous substances
❌
Fuel consumption and efficiency
❌
Water consumption and efficiency
✅

Social

Percentage of female employees51.8
Percentage of women in management—
Percentage of Asian employees14.2
Share of Asian management—
Percentage of Hispanic/Latino employees23.4
Hispano/Latino Management share—
Percentage of Black employees14
Black Management Share—
Percentage of white employees44.7
White Management Share—
Adult content❌
Alcohol❌
Weapons—
Firearms
❌
Gambling❌
Military contracts❌
Human rights concept✅
Privacy concept—
Occupational health and safety✅
Catholic✅

Governance (Corporate Governance)

Environmental reporting✅
Stakeholder Engagement✅
Call Back Policies❌
Antitrust law❌

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

PennyMac Financial Services list of shareholders

%
Name
Stocks
Change
Date
9.59680 % T. Rowe Price Investment Management, Inc.4,912,60175,95412/31/2023
8.85289 % MFN Partners Management LP4,531,792012/31/2023
5.25789 % Dimensional Fund Advisors, L.P.2,691,51270,17812/31/2023
5.06794 % The Vanguard Group, Inc.2,594,28019,74812/31/2023
30.75061 % HC Partners LLC15,741,23703/31/2024
3.68280 % BlackRock Institutional Trust Company, N.A.1,885,224192,41112/31/2023
2.31129 % Senvest Management, LLC1,183,151-1,427,78912/31/2023
1.79346 % Invesco Advisers, Inc.918,073489,35412/31/2023
1.68125 % Spector (David Alan)860,634-199,2063/31/2024
1.64510 % State Street Global Advisors (US)842,12557,81012/31/2023
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PennyMac Financial Services Executives and Management Board

Mr. David Spector60
PennyMac Financial Services Chairman of the Board, Chief Executive Officer (since 2012)
Compensation 9.67 M
Mr. Douglas Jones66
PennyMac Financial Services President, Chief Mortgage Banking Officer, Director (since 2016)
Compensation 5.97 M
Mr. Daniel Perotti42
PennyMac Financial Services Chief Financial Officer, Senior Managing Director
Compensation 2.85 M
Mr. James Follette51
PennyMac Financial Services Senior Managing Director, Chief Mortgage Operations Officer
Compensation 2.21 M
Mr. Jeffrey Perlowitz66
PennyMac Financial Services Lead Independent Director
Compensation 280,500
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PennyMac Financial Services Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
PennyMac Mortgage Investment Trust Stock
PennyMac Mortgage Investment Trust
SupplierCustomer0,810,720,630,850,630,47
Black Knight Stock
Black Knight
SupplierCustomer0,54-0,35-0,860,560,560,19
Zoom Video Communications A Stock
Zoom Video Communications A
SupplierCustomer0,110,600,540,940,560,22
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Most common questions regarding PennyMac Financial Services

What values and corporate philosophy does PennyMac Financial Services represent?

PennyMac Financial Services Inc represents values of trust, transparency, and innovation. With a strong corporate philosophy, the company focuses on delivering exceptional customer service, providing responsible mortgage lending solutions, and driving long-term growth for stakeholders. PennyMac Financial Services Inc aims to empower homeowners by offering personalized loan options and expanding access to affordable housing. Through continuous improvement and a commitment to excellence, the company ensures efficient operations and fosters a culture of integrity. With a focus on delivering value to customers and shareholders, PennyMac Financial Services Inc remains dedicated to being a leader in the mortgage finance industry.

In which countries and regions is PennyMac Financial Services primarily present?

PennyMac Financial Services Inc primarily operates in the United States. With headquarters in Westlake Village, California, the company is a leading mortgage lender and servicer, serving customers nationwide. PennyMac provides a range of mortgage solutions, including loan origination, servicing, and investment activities, helping individuals and families achieve their homeownership goals. As a U.S.-based financial services company, PennyMac focuses its operations and services within the domestic market, supporting the housing and mortgage needs of American borrowers throughout various states and regions.

What significant milestones has the company PennyMac Financial Services achieved?

PennyMac Financial Services Inc, a prominent financial services company, has achieved significant milestones over the years. The company has successfully established itself as a leading player in the mortgage industry, providing innovative solutions and exceptional customer service. PennyMac Financial Services Inc has expanded its national presence, catering to a diverse range of clients and meeting their individual needs. With its commitment to technology and advanced analytics, the company has consistently enhanced its operational efficiency, ensuring seamless transactions and optimal outcomes. PennyMac Financial Services Inc has earned a strong reputation for its robust risk management strategies and prudent underwriting practices. These achievements showcase the company's dedication to excellence and its position as a trusted name in the financial services sector.

What is the history and background of the company PennyMac Financial Services?

PennyMac Financial Services Inc is a leading residential mortgage loan originator and servicer in the United States. Founded in 2008 by a team of mortgage industry executives, PennyMac has quickly established itself as a trusted name in the financial services sector. The company specializes in the production and servicing of mortgage loans, offering a wide range of loan products and services to homeowners and homebuyers nationwide. With a focus on technology, operational excellence, and customer satisfaction, PennyMac has grown to become a top player in the mortgage industry. As a publicly traded company, PennyMac Financial Services Inc (NYSE: PFSI) continues to expand its footprint and deliver value to its shareholders.

Who are the main competitors of PennyMac Financial Services in the market?

The main competitors of PennyMac Financial Services Inc in the market are Quicken Loans, Nationstar Mortgage Holdings Inc, and Ocwen Financial Corporation.

In which industries is PennyMac Financial Services primarily active?

PennyMac Financial Services Inc is primarily active in the mortgage banking and investment management industries.

What is the business model of PennyMac Financial Services?

PennyMac Financial Services Inc operates as a mortgage loan originator and servicer. The company focuses on originating and servicing residential mortgage loans, including conventional, government-insured, and jumbo loans. PennyMac provides services throughout the loan life cycle, including sourcing and acquiring mortgage loans, loan fulfillment, and loan servicing activities. It offers a comprehensive range of mortgage solutions to assist borrowers in achieving their homeownership goals. PennyMac's business model involves generating revenue from loan production and loan servicing fees. With its expertise and commitment to customer satisfaction, PennyMac Financial Services Inc aims to provide reliable and innovative mortgage solutions to customers seeking homeownership or refinancing options.

What is the P/E ratio of PennyMac Financial Services 2024?

The PennyMac Financial Services P/E ratio is 13.28.

What is the P/S ratio of PennyMac Financial Services 2024?

The PennyMac Financial Services P/S ratio is 3.21.

What is the AlleAktien quality score of PennyMac Financial Services?

The AlleAktien quality score for PennyMac Financial Services is 3/10.

What is the revenue of PennyMac Financial Services 2024?

The expected PennyMac Financial Services revenue is 1.76 B USD.

How high is the profit of PennyMac Financial Services 2024?

The expected PennyMac Financial Services profit is 425.84 M USD.

What is the business model of PennyMac Financial Services

PennyMac Financial Services Inc is a leading financial services company specializing in mortgage loans and related products. The company was founded in 2008 and has its headquarters in Calabasas, California. PennyMac offers a wide range of products and services for mortgage loans, including refinances, FHA loans (Federal Housing Administration), VA loans (Veterans Affairs), jumbo loans, and fixed-rate mortgages. In addition, the company also offers other financial services such as credit cards and personal loans. PennyMac operates in several business segments, including loan origination, loan servicing, and investments. The company acquires mortgage loans from various lenders and then bundles them into securities packages for investors. PennyMac acts as a loan servicer and is responsible for managing the loans. Through this business model, the company benefits from both the interest payments of the borrowers and the return on the securities. As a loan servicer, PennyMac offers a wide range of services, including collecting payments, monitoring delinquencies and foreclosures, and assisting borrowers with questions or issues regarding their loan. PennyMac is able to enhance results and efficiency by utilizing technology and AI-driven automation to improve customer service and reduce operating costs. PennyMac also offers investment services that aim to provide investors with stable and low-risk returns. The company primarily invests in US mortgage bonds and other securities backed by mortgages. Through these investments, PennyMac can benefit from the interest payments of the borrowers. In addition to its mortgage loans, PennyMac Financial Services Inc also offers credit cards and personal loans. These products provide customers with access to additional credit and allow the company to diversify its revenue sources. PennyMac's business model is based on a combination of mortgage loans, servicing, and investments. By acquiring, bundling, and selling mortgage loans, as well as servicing them, the company generates revenue from interest payments and returns on securities. By providing credit cards and personal loans, PennyMac can diversify its revenue sources and improve the customer experience. Overall, the financial strength of PennyMac Financial Services Inc, its established business model, and its proven track record are attractive to investors seeking a competent and experienced investment advisor.

What is the PennyMac Financial Services dividend?

PennyMac Financial Services pays a dividend of 0.8 USD distributed over payouts per year.

How often does PennyMac Financial Services pay dividends?

The dividend cannot currently be calculated for PennyMac Financial Services or the company does not pay out a dividend.

What is the PennyMac Financial Services ISIN?

The ISIN of PennyMac Financial Services is US70932M1071.

What is the PennyMac Financial Services WKN?

The WKN of PennyMac Financial Services is A2N8PG.

What is the PennyMac Financial Services ticker?

The ticker of PennyMac Financial Services is PFSI.

How much dividend does PennyMac Financial Services pay?

Over the past 12 months, PennyMac Financial Services paid a dividend of 0.8 USD . This corresponds to a dividend yield of about 0.75 %. For the coming 12 months, PennyMac Financial Services is expected to pay a dividend of 0.9 USD.

What is the dividend yield of PennyMac Financial Services?

The current dividend yield of PennyMac Financial Services is 0.75 %.

When does PennyMac Financial Services pay dividends?

PennyMac Financial Services pays a quarterly dividend. This is distributed in the months of December, March, June, September.

How secure is the dividend of PennyMac Financial Services?

PennyMac Financial Services paid dividends every year for the past 9 years.

What is the dividend of PennyMac Financial Services?

For the upcoming 12 months, dividends amounting to 0.9 USD are expected. This corresponds to a dividend yield of 0.84 %.

In which sector is PennyMac Financial Services located?

PennyMac Financial Services is assigned to the 'Finance' sector.

Wann musste ich die Aktien von PennyMac Financial Services kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of PennyMac Financial Services from 8/23/2024 amounting to 0.3 USD, you needed to have the stock in your portfolio before the ex-date on 8/13/2024.

When did PennyMac Financial Services pay the last dividend?

The last dividend was paid out on 8/23/2024.

What was the dividend of PennyMac Financial Services in the year 2023?

In the year 2023, PennyMac Financial Services distributed 0.8 USD as dividends.

In which currency does PennyMac Financial Services pay out the dividend?

The dividends of PennyMac Financial Services are distributed in USD.

All fundamentals about PennyMac Financial Services

Our stock analysis for PennyMac Financial Services Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of PennyMac Financial Services Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.