PennyMac Financial Services (PFSI) Stock Price

PennyMac Financial Services Price

NYSE·CLOSED
75.75USD-1.67 (-2.17 %)
Market closed

Over the last 15 years PennyMac Financial Services grew revenue by 31.8% annually, reaching 4.36 B USD. Earnings per share have declined at 1.1% per year over the last 13 years. For PennyMac Financial Services, the net margin of 11.5% is down versus 28.2% a few years ago. At today's price the dividend yield works out to roughly 1.58%. The payout ratio is around 13% of earnings. The dividend has grown at 17.0% per year over the past 7 years. The consensus 12-month price target for PennyMac Financial Services is 139.23 USD, about 83.8% above where the stock trades today. Of 15 analysts, 11 rate the stock a buy — an overall Buy consensus. PennyMac Financial Services's share price has lost 26.3% over the last twelve months.

PennyMac Financial Services stock price

Volume
Ex-Dividend
Details

Stock Price

ⓘ

How to Read This Chart

This chart tracks the historical stock price of PennyMac Financial Services over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how PennyMac Financial Services stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing PennyMac Financial Services's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

PennyMac Financial Services Stock Price History
DatePennyMac Financial Services Price
8/10/202675.75 USD
8/7/202677.41 USD
8/6/202677.02 USD
8/5/202675.51 USD
8/4/202677.77 USD
8/3/202676.40 USD
7/31/202675.41 USD
7/30/202675.87 USD
7/29/202685.45 USD
7/27/202685.29 USD
7/23/202682.61 USD
7/22/202684.69 USD
7/21/202683.99 USD
7/20/202683.58 USD
7/17/202685.29 USD
7/16/202686.82 USD
7/15/202684.98 USD
7/14/202682.91 USD
7/13/202682.04 USD
7/10/202682.35 USD
7/9/202681.94 USD
7/8/202681.57 USD
7/7/202681.11 USD
7/6/202682.46 USD
7/2/202683.47 USD
7/1/202684.83 USD
6/30/202687.10 USD
6/29/202686.86 USD
6/26/202686.08 USD
6/25/202684.30 USD
6/24/202683.35 USD
6/23/202680.24 USD
6/22/202680.87 USD
6/18/202682.49 USD
6/17/202684.96 USD
6/16/202682.70 USD
6/15/202683.81 USD
6/12/202681.86 USD
6/11/202678.21 USD
6/10/202680.92 USD
6/9/202681.76 USD
6/8/202679.56 USD
6/5/202682.21 USD
6/4/202682.00 USD
6/3/202681.25 USD
6/2/202682.99 USD
6/1/202683.33 USD
5/29/202685.34 USD
5/28/202685.81 USD
5/27/202686.86 USD
5/26/202685.71 USD
5/22/202686.42 USD
5/21/202685.78 USD
5/20/202685.71 USD
5/19/202684.44 USD
5/18/202686.47 USD
5/15/202685.69 USD
5/14/202687.82 USD
5/13/202687.74 USD
5/12/202688.63 USD
5/11/202688.35 USD
5/8/202690.54 USD
5/7/202688.66 USD
5/6/202687.07 USD
5/5/202687.48 USD
5/4/202689.89 USD
5/1/202692.13 USD
4/30/202690.29 USD
4/29/202689.18 USD
4/28/202691.18 USD
4/27/202690.89 USD
4/24/202691.39 USD
4/22/202690.46 USD
4/21/202690.64 USD
4/20/202694.30 USD
4/17/202694.57 USD
4/16/202691.73 USD
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4/14/202692.67 USD
4/13/202693.03 USD
4/10/202691.41 USD
4/9/202691.77 USD
4/8/202691.61 USD
4/7/202688.45 USD
4/6/202690.38 USD
4/2/202690.10 USD
4/1/202687.70 USD
3/31/202687.40 USD
3/30/202684.90 USD
3/27/202685.47 USD
3/26/202686.44 USD
3/25/202686.43 USD
3/24/202684.30 USD
3/23/202685.50 USD
3/20/202684.45 USD
3/19/202688.03 USD
3/18/202687.21 USD
3/17/202687.35 USD
3/16/202686.48 USD
3/13/202684.14 USD
3/12/202684.61 USD
3/11/202687.65 USD
3/10/202689.59 USD
3/9/202687.01 USD
3/6/202686.20 USD
3/5/202688.53 USD
3/4/202690.67 USD
3/3/202689.76 USD
3/2/202690.38 USD
2/27/202691.93 USD
2/26/202692.93 USD
2/25/202692.74 USD
2/24/202691.20 USD
2/23/202690.33 USD
2/20/202692.23 USD
2/19/202694.33 USD
2/18/202696.06 USD
2/17/202693.88 USD
2/13/202692.01 USD
2/12/202691.49 USD
2/11/202690.40 USD
2/10/202694.45 USD
2/9/202694.81 USD
2/6/202695.60 USD
2/5/202697.52 USD
2/4/202696.08 USD
2/3/202693.15 USD
2/2/202693.07 USD
1/30/202699.92 USD
1/29/2026149.70 USD
1/28/2026146.98 USD
1/27/2026149.46 USD
1/26/2026151.96 USD
1/23/2026150.89 USD
1/22/2026151.67 USD
1/21/2026152.30 USD
1/20/2026150.56 USD
1/16/2026159.46 USD
1/15/2026150.70 USD
1/14/2026147.37 USD
1/13/2026145.59 USD
1/12/2026146.36 USD
1/9/2026146.19 USD
1/8/2026137.39 USD
1/7/2026136.28 USD
1/6/2026135.01 USD
1/5/2026134.26 USD
1/2/2026131.51 USD
12/31/2025131.84 USD
12/30/2025133.26 USD
12/29/2025133.52 USD
12/26/2025133.89 USD
12/24/2025133.98 USD
12/23/2025133.12 USD
12/22/2025134.71 USD
12/19/2025134.62 USD
12/18/2025132.41 USD
12/17/2025130.19 USD
12/16/2025130.44 USD
12/15/2025130.48 USD
12/12/2025130.48 USD
12/11/2025131.82 USD
12/10/2025130.99 USD
12/9/2025128.47 USD
12/8/2025129.04 USD
12/5/2025130.91 USD
12/4/2025132.58 USD
12/3/2025133.86 USD
12/2/2025131.82 USD
12/1/2025134.09 USD
11/28/2025134.57 USD
11/26/2025136.06 USD
11/25/2025133.68 USD
11/24/2025127.68 USD
11/21/2025126.26 USD
11/20/2025123.94 USD
11/19/2025124.53 USD
11/18/2025124.93 USD
11/17/2025124.47 USD
11/14/2025127.02 USD
11/13/2025127.04 USD
11/12/2025129.15 USD
11/11/2025129.50 USD
11/10/2025127.26 USD
11/7/2025126.00 USD
11/6/2025124.45 USD
11/5/2025125.02 USD
11/4/2025126.86 USD
11/3/2025126.84 USD
10/31/2025125.81 USD
10/30/2025125.30 USD
10/29/2025126.11 USD
10/28/2025130.19 USD
10/27/2025132.96 USD
10/24/2025132.67 USD
10/23/2025128.55 USD
10/22/2025129.57 USD
10/21/2025120.91 USD
10/20/2025121.40 USD
10/17/2025120.01 USD
10/16/2025117.43 USD
10/15/2025118.85 USD
10/14/2025119.70 USD
10/13/2025116.85 USD
10/10/2025117.11 USD
10/9/2025114.57 USD
10/8/2025117.50 USD
10/7/2025116.57 USD
10/6/2025118.33 USD
10/3/2025123.15 USD
10/2/2025123.17 USD
10/1/2025125.86 USD
9/30/2025123.88 USD
9/29/2025124.71 USD
9/26/2025124.04 USD
9/25/2025122.59 USD
9/24/2025123.32 USD
9/23/2025123.13 USD
9/22/2025121.80 USD
9/19/2025125.02 USD
9/18/2025127.13 USD
9/17/2025126.16 USD
9/16/2025124.02 USD
9/15/2025124.34 USD
9/12/2025124.51 USD
9/11/2025124.41 USD
9/10/2025120.34 USD
9/9/2025120.82 USD
9/8/2025121.05 USD
9/5/2025117.49 USD
9/4/2025115.28 USD
9/3/2025112.83 USD
9/2/2025109.33 USD
8/29/2025110.10 USD
8/28/2025108.86 USD
8/27/2025108.51 USD
8/26/2025109.04 USD
8/25/2025109.54 USD
8/22/2025109.72 USD
8/21/2025103.39 USD
8/20/2025105.29 USD
8/19/2025106.97 USD
8/18/2025105.51 USD
8/15/2025107.01 USD
8/14/2025108.41 USD
8/13/2025108.33 USD
8/12/2025102.71 USD
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PennyMac Financial Services Revenue, Net Income

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  • 25 Years

  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2021
3.56 B USD
1.00 B USD
Jan 1, 2022
2.32 B USD
475.51 M USD
Jan 1, 2023
1.40 B USD
144.66 M USD
Jan 1, 2024
1.59 B USD
311.42 M USD
Jan 1, 2025
4.36 B USD
501.08 M USD
Jan 1, 2026 (e)
2.38 B USD
506.10 M USD
Jan 1, 2027 (e)
2.68 B USD
713.89 M USD
Jan 1, 2028 (e)
2.92 B USD
811.49 M USD

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

Last updated Aug 12, 2026, 9:41 PM
 
REVENUEB USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB USD
NET INCOMEB USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
20132014201520162017201820192020202120222023202420252026e2027e2028e
0.410.560.781.041.101.131.683.953.562.321.401.594.362.382.682.92
48.9037.0440.7232.785.982.6448.85135.38-9.97-34.77-39.6413.70173.89-45.3612.378.92
66.6748.4745.2046.3841.6736.8853.0770.0259.9556.2793.0897.6191.4391.4391.4391.43
0.270.270.350.480.460.420.892.772.131.311.301.563.992.182.452.67
0.010.040.050.070.100.090.391.651.000.480.140.310.500.510.710.81
-88.14157.1430.5640.4351.52-13.00350.57319.90-39.06-52.64-69.68115.9761.091.0040.9113.74
––––––0.480.541.000.800.801.001.201.201.411.65
–––––––12.5085.19-20.00–25.0020.00–17.5017.02
75.8976.0076.1376.9778.9461.4781.0875.9061.9453.0949.9953.5854.1754.1754.1754.17
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales PennyMac Financial Services generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue PennyMac Financial Services retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare PennyMac Financial Services's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares PennyMac Financial Services has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against PennyMac Financial Services's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

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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  • Max

Profit margin
Details
Date
Profit margin
Jan 1, 2021
28.20 %
Jan 1, 2022
20.48 %
Jan 1, 2023
10.32 %
Jan 1, 2024
19.54 %
Jan 1, 2025
11.48 %
Jan 1, 2026 (e)
21.22 %
Jan 1, 2027 (e)
26.65 %
Jan 1, 2028 (e)
27.80 %

PennyMac Financial Services Revenue per Share, 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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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2021
57.45 USD
16.20 USD
Jan 1, 2022
43.73 USD
8.96 USD
Jan 1, 2023
28.04 USD
2.89 USD
Jan 1, 2024
29.75 USD
5.81 USD
Jan 1, 2025
80.56 USD
9.25 USD
Jan 1, 2026 (e)
45.81 USD
9.72 USD
Jan 1, 2027 (e)
51.46 USD
13.71 USD
Jan 1, 2028 (e)
56.07 USD
15.59 USD

PennyMac Financial Services business model & stock analysis

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 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 Employees

  • 3 Years

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  • Max

PennyMac Financial Services Employees
Details
Date
PennyMac Financial Services Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

PennyMac Financial Services Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

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

PennyMac Financial Services annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

PennyMac Financial Services shares outstanding

The number of shares of PennyMac Financial Services was 54.17 M in 2025. This indicates how many shares PennyMac Financial Services 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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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
61.94 M Stocks
Jan 1, 2022
53.09 M Stocks
Jan 1, 2023
49.99 M Stocks
Jan 1, 2024
53.58 M Stocks
Jan 1, 2025
54.17 M Stocks
Jan 1, 2026 (e)
54.17 M Stocks
Jan 1, 2027 (e)
54.17 M Stocks
Jan 1, 2028 (e)
54.17 M Stocks

PennyMac Financial Services Dividend History

9 years of dividend payments · 2 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.30USDYTD—1×
Feb 13, 20260.30USD 0.0%1/1
20251.20USD↑ 20.0%4×
Feb 13, 20250.30USD 0.0%1/4
May 14, 20250.30USD 0.0%2/4
Aug 13, 20250.30USD 0.0%3/4
Nov 17, 20250.30USD 0.0%4/4
20241.00USD↑ 25.0%4×
20230.80USD 0.0%4×
20220.80USD↓ 20.0%4×
20211.00USD↑ 85.2%5×
20200.54USD↑ 350.0%4×
20190.12USD↓ 70.0%1×
20180.40USD—1×

PennyMac Financial Services dividend history and estimates

In 2025, PennyMac Financial Services paid a dividend amounting to 1.20 USD. Dividend means that PennyMac Financial Services distributes a portion of its profits to its owners.

  • Max

Dividend
Dividend (Estimate)
Special dividend
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2021
1.00 USD
0.00 USD
0.00 USD
Jan 1, 2022
0.80 USD
0.00 USD
0.00 USD
Jan 1, 2023
0.80 USD
0.00 USD
0.00 USD
Jan 1, 2024
1.00 USD
0.00 USD
0.00 USD
Jan 1, 2025
1.20 USD
0.00 USD
0.00 USD
Jan 1, 2026 (e)
0.30 USD
0.90 USD
0.40 USD
Jan 1, 2027 (e)
0.00 USD
1.41 USD
0.00 USD
Jan 1, 2028 (e)
0.00 USD
1.65 USD
0.00 USD

PennyMac Financial Services dividend payout ratio

In 2025, PennyMac Financial Services had a payout ratio of 12.97%. The payout ratio indicates the percentage of the company's profits that PennyMac Financial Services distributes as dividends.

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  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2021
6.17 %
Jan 1, 2022
8.93 %
Jan 1, 2023
27.64 %
Jan 1, 2024
17.20 %
Jan 1, 2025
12.97 %
Jan 1, 2026 (e)
12.34 %
Jan 1, 2027 (e)
10.27 %
Jan 1, 2028 (e)
10.60 %

Current PennyMac Financial Services forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
7.77 %
Buy
73.33 % (11)
Hold
26.67 % (4)
Sell
0.00 % (0)
12M Price Target
139.23
Last Price
75.75
Currency
USD
12M Return Potential
83.81 %
LTM Return
0 %

PennyMac Financial Services Analyst Rating Actions

DateFirmActionRatingReliability
7/31/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedOutperform–
7/30/2026
Wells Fargo
Wells Fargo
MaintainedOverweight56
7/30/2026
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight–
7/30/2026
Piper Sandler
Piper Sandler
DowngradeOverweightNeutral51
7/30/2026
BTIG
BTIG
MaintainedBuy–
7/30/2026
Barclays
Barclays
MaintainedEqual Weight33
7/7/2026
Barclays
Barclays
DowngradeOverweightEqual Weight33
7/2/2026
Piper Sandler
Piper Sandler
MaintainedOverweight51
6/16/2026
BTIG
BTIG
MaintainedBuy–
5/11/2026
Barclays
Barclays
MaintainedOverweight33

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

PennyMac Financial Services Earnings Calls

2025

PennyMac Financial Services Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/28/20262.39USD-597.62 MUSD-2026 Q2
4/29/20262.52USD-578.42 MUSD-2026 Q1
1/29/20263.30USD-655.38 MUSD-2025 Q4
4/25/20242.09USD-440.82 MUSD-2024 Q1
1/31/20241.78USD-415.39 MUSD-2023 Q4
8/2/20221.12USD-489.95 MUSD-2022 Q2
8/6/20202.95USD-671.21 MUSD-2020 Q2

EESG©

Eulerpool ESG Scorecard© for the PennyMac Financial Services stock

63/100
30
Environment
99
Social
61
Governance
E

Environment

20
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
S

Social

20
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
G

Governance (Corporate Governance)

4
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 shareholder structure

% Name
8.70494%
MFN PARTNERS MANAGEMENT, LP
MFN PARTNERS MANAGEMENT, LP
6.91660%
T. ROWE PRICE INVESTMENT MANAGEMENT, INC.
T. ROWE PRICE INVESTMENT MANAGEMENT, INC.
4.58271%
MILLENNIUM MANAGEMENT LLC
MILLENNIUM MANAGEMENT LLC
4.23296%
BLACKROCK, INC.
BLACKROCK, INC.
3.68089%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
3.18495%
VANGUARD PORTFOLIO MANAGEMENT LLC
VANGUARD PORTFOLIO MANAGEMENT LLC
...

PennyMac Financial Services Beneficial Ownership Filings (SEC 13D/G)

Free Float
95.7%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
11.90%
Stanford L. Kurland
Stanford L. Kurland
SEC ↗
10.70%
Kurland Family Investments, LLC
Kurland Family Investments, LLC
SEC ↗
9.80%
85-4328500
85-4328500
SEC ↗
7.20%
T. Rowe Price Investment Management, Inc.
T. Rowe Price Investment Management, Inc.
SEC ↗
6.30%
52-0556948
52-0556948
SEC ↗
5.40%
30-0447847
30-0447847
SEC ↗
5.23%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
5.00%
Senvest Management, LLC
Senvest Management, LLC
SEC ↗
5.00%
Richard Mashaal
Richard Mashaal
SEC ↗
4.90%
Millennium Management LLC
Millennium Management LLC
SEC ↗

PennyMac Financial Services Executives and Management Board

17 members · avg. age 61 · 18 % women

DS

Mr. David Spector (62)

Chairman of the Board, Chief Executive Officer · since 2012

10.60 M USD

Management

DJ

Mr. Douglas Jones (68)

President, Chief Mortgage Banking Officer, Director · since 2016

6.60 M USD
DP

Mr. Daniel Perotti (44)

Chief Financial Officer, Senior Managing Director

3.41 M USD
JF

Mr. James Follette (53)

Senior Managing Director, Chief Digital Officer

2.44 M USD
DS

Mr. Derek Stark (57)

Senior Managing Director, Chief Legal Officer and Secretary

2.23 M USD
ME

Mr. Mark Elbaum (62)

Senior Managing Director and Chief Capital Markets Officer

–
AT

Ms. Abbie Tidmore (60)

Senior Managing Director and Chief Revenue Officer

–

Board of Directors

JP

Mr. Jeffrey Perlowitz (68)

Lead Independent Director

305,460.00 USD
PK

Mr. Patrick Kinsella (71)

Independent Director

289,710.00 USD
TT

Mr. Theodore Tozer (68)

Independent Director

289,710.00 USD
AM

Ms. Anne Mccallion (70)

Independent Director

278,460.00 USD
LS

Ms. Lisa Shalett (58)

Independent Director

278,460.00 USD
JM

Mr. Joseph Mazzella (72)

Independent Director

276,210.00 USD

PennyMac Financial Services Supply Chain

PennyMac Financial Services Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
3 companies
#NameTrend
1
PennyMac Mortgage Investment Trust
Customer·Mortgage Real Estate Investment Trusts (REITs)·US
0.81
0.72
0.63
0.85
0.63
0.47
#NameTrend
1
Black Knight
Supplier·Software·US
0.54
-0.35
-0.86
0.56
0.56
0.19
2
Zoom Video Communications A
Supplier·Software·US
0.11
0.60
0.54
0.94
0.56
0.22

Frequently asked questions about 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.

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

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

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.

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.

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.

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.

Analysts currently set an average price target of 140.00 USD for the PennyMac Financial Services stock (median: 139.23 USD), implying +84.8 % versus the latest price. The consensus is based on 15 analyst ratings.

PennyMac Financial Services Analyst Price Targets 2026

15 analysts currently rate the PennyMac Financial Services stock: 11 recommend buying, 4 holding and 0 selling. For 2026, analysts expect PennyMac Financial Services to generate revenue of 2.38 B USD and earnings per share of 9.34 USD.

PennyMac Financial Services Analyst Price Targets 2026

Converted at the current exchange rate, the PennyMac Financial Services share trades at 65.63 EUR (75.75 USD).

The PennyMac Financial Services share (PFSI) is listed on 3 stock exchanges, including: NYSE (PFSI), Frankfurt (1AC.F), München (1AC.MU).

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.

The expected revenue of PennyMac Financial Services is 2.38 B USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of PennyMac Financial Services is 506.10 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of PennyMac Financial Services is currently 8.11. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the PennyMac Financial Services stock.

The price-to-sales ratio (P/S) of PennyMac Financial Services is currently 1.72. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the PennyMac Financial Services stock.

The Eulerpool Quality Score for PennyMac Financial Services is 6/10.

The ISIN of PennyMac Financial Services is US70932M1071. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of PennyMac Financial Services is A2N8PG. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of PennyMac Financial Services is PFSI. The ticker symbol is used to trade PennyMac Financial Services shares on the stock exchange.

Over the past 12 months, PennyMac Financial Services paid a dividend of 1.20 USD . This corresponds to a dividend yield of about 1.58 %. For the coming 12 months, PennyMac Financial Services is expected to pay a dividend of 1.41 USD.

The current dividend yield of PennyMac Financial Services is 1.58 %.

PennyMac Financial Services pays a dividend, distributed in the months of , , , .

PennyMac Financial Services paid dividends every year for the past 8 years.

For the upcoming 12 months, dividends amounting to 1.41 USD are expected. This corresponds to a dividend yield of 1.86 %.

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

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

The last dividend was paid out on .

In the year 2025, PennyMac Financial Services distributed 1 USD as dividends.

The dividends of PennyMac Financial Services are distributed in USD.

All fundamentals and in-depth analysis of PennyMac Financial Services

Our stock analysis for PennyMac Financial Services 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. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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