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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.83
PFSI's Cash to Debt is ranked lower than
64% of the 1134 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.19 vs. PFSI: 0.83 )
Ranked among companies with meaningful Cash to Debt only.
PFSI' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.82 Max: N/A
Current: 0.83
Equity to Asset 0.07
PFSI's Equity to Asset is ranked lower than
85% of the 1602 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. PFSI: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
PFSI' s Equity to Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.08 Max: 0.44
Current: 0.07
0.07
0.44
Interest Coverage 3.30
PFSI's Interest Coverage is ranked higher than
70% of the 1524 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.63 vs. PFSI: 3.30 )
Ranked among companies with meaningful Interest Coverage only.
PFSI' s Interest Coverage Range Over the Past 10 Years
Min: 4.07  Med: 9.38 Max: 41.83
Current: 3.3
4.07
41.83
F-Score: 2
M-Score: -0.78
WACC vs ROIC
19.66%
67.07%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 35.76
PFSI's Operating margin (%) is ranked higher than
62% of the 1621 Companies
in the Global Specialty Finance industry.

( Industry Median: 31.01 vs. PFSI: 35.76 )
Ranked among companies with meaningful Operating margin (%) only.
PFSI' s Operating margin (%) Range Over the Past 10 Years
Min: 19.66  Med: 43.84 Max: 48.28
Current: 35.76
19.66
48.28
Net-margin (%) 6.06
PFSI's Net-margin (%) is ranked lower than
88% of the 1620 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.39 vs. PFSI: 6.06 )
Ranked among companies with meaningful Net-margin (%) only.
PFSI' s Net-margin (%) Range Over the Past 10 Years
Min: 3.73  Med: 13.39 Max: 48.28
Current: 6.06
3.73
48.28
ROE (%) 17.09
PFSI's ROE (%) is ranked higher than
87% of the 1615 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.26 vs. PFSI: 17.09 )
Ranked among companies with meaningful ROE (%) only.
PFSI' s ROE (%) Range Over the Past 10 Years
Min: 14.38  Med: 19.32 Max: 23.72
Current: 17.09
14.38
23.72
ROA (%) 1.23
PFSI's ROA (%) is ranked higher than
71% of the 1625 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. PFSI: 1.23 )
Ranked among companies with meaningful ROA (%) only.
PFSI' s ROA (%) Range Over the Past 10 Years
Min: 1.19  Med: 1.80 Max: 21.1
Current: 1.23
1.19
21.1
» PFSI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

PFSI Guru Trades in Q2 2015

Jim Simons 80,968 sh (+149.13%)
George Soros 187,382 sh (unchged)
Leon Cooperman 3,233,500 sh (-1.77%)
» More
Q3 2015

PFSI Guru Trades in Q3 2015

Jim Simons 91,800 sh (+13.38%)
Leon Cooperman 3,233,500 sh (unchged)
George Soros 187,382 sh (unchged)
» More
Q4 2015

PFSI Guru Trades in Q4 2015

Jim Simons 115,700 sh (+26.03%)
George Soros 187,382 sh (unchged)
Leon Cooperman 3,146,200 sh (-2.70%)
» More
Q1 2016

PFSI Guru Trades in Q1 2016

Jeremy Grantham 22,100 sh (New)
Jim Simons 213,000 sh (+84.10%)
George Soros Sold Out
Leon Cooperman 2,494,697 sh (-20.71%)
» More
» Details

Insider Trades

Latest Guru Trades with PFSI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Specialty Finance
Compare:NYSE:AI, OTCPK:MAMTF, NAS:ATAX, OTCPK:AMIVF, NYSE:OCN, NAS:MRLN, OTCPK:FCMGF, AMEX:IMH, NAS:MRCC, OTCPK:BEVFF, NAS:OXLC, OTCPK:CXSNF, OTCPK:FCBK, NAS:MMAC, NYSE:WAC, NYSE:EMG, NYSE:SGM, OTCPK:GRVFF, NYSE:EFC, OTCPK:IOUFF » details
Traded in other countries:PFM.Germany,
PennyMac Financial Services Inc is a specialty financial services company . The Company is engaged in the production and servicing of U.S. residential mortgage loans and the management of investments related to U.S. residential mortgage markets.

PennyMac Financial Services, Inc. was incorporated as a Delaware corporation on December 31, 2012. The Company is a specialty financial services firm with a comprehensive mortgage platform and integrated business. The Company is engaged in the production and servicing of U.S. residential mortgage loans and the management of investments related to U.S. residential mortgage markets. The Company conducts its business in two segments: mortgage banking and investment management. Its mortgage banking segment competes with large financial institutions and with other independent residential mortgage loan produces and servicers, including Wells Fargo, JP Morgan Chase, Bank of America, and Citigroup. The investment management segment competes for capital with both traditional and alternative investment managers.

Ratios

vs
industry
vs
history
P/E(ttm) 6.48
PFSI's P/E(ttm) is ranked higher than
84% of the 1557 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.82 vs. PFSI: 6.48 )
Ranked among companies with meaningful P/E(ttm) only.
PFSI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.12  Med: 10.16 Max: 97
Current: 6.48
5.12
97
PE(NRI) 6.48
PFSI's PE(NRI) is ranked higher than
88% of the 1505 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.82 vs. PFSI: 6.48 )
Ranked among companies with meaningful PE(NRI) only.
PFSI' s PE(NRI) Range Over the Past 10 Years
Min: 5.12  Med: 10.16 Max: 97
Current: 6.48
5.12
97
P/B 1.02
PFSI's P/B is ranked higher than
53% of the 1654 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.04 vs. PFSI: 1.02 )
Ranked among companies with meaningful P/B only.
PFSI' s P/B Range Over the Past 10 Years
Min: 0.88  Med: 1.70 Max: 2.93
Current: 1.02
0.88
2.93
P/S 1.38
PFSI's P/S is ranked higher than
84% of the 1633 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.93 vs. PFSI: 1.38 )
Ranked among companies with meaningful P/S only.
PFSI' s P/S Range Over the Past 10 Years
Min: 0.74  Med: 1.89 Max: 3.64
Current: 1.38
0.74
3.64
EV-to-EBIT 4.26
PFSI's EV-to-EBIT is ranked higher than
92% of the 1508 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.21 vs. PFSI: 4.26 )
Ranked among companies with meaningful EV-to-EBIT only.
PFSI' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.26  Med: 8.90 Max: 10.7
Current: 4.26
4.26
10.7
EV-to-EBITDA 2.36
PFSI's EV-to-EBITDA is ranked higher than
96% of the 1509 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.95 vs. PFSI: 2.36 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.36  Med: 6.90 Max: 8.9
Current: 2.36
2.36
8.9

Valuation & Return

vs
industry
vs
history
Price/Median PS Value 0.72
PFSI's Price/Median PS Value is ranked higher than
85% of the 1591 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.01 vs. PFSI: 0.72 )
Ranked among companies with meaningful Price/Median PS Value only.
PFSI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.52  Med: 1.07 Max: 1.72
Current: 0.72
0.52
1.72
Earnings Yield (Greenblatt) (%) 23.43
PFSI's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 1647 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.10 vs. PFSI: 23.43 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFSI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 9.4  Med: 11.30 Max: 23.43
Current: 23.43
9.4
23.43

More Statistics

Revenue (TTM) (Mil) $716.2
EPS (TTM) $ 1.98
Beta0.66
Short Percentage of Float6.04%
52-Week Range $10.48 - 18.51
Shares Outstanding (Mil)22.05

Analyst Estimate


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Dec16 Dec17
Revenue (Mil $) 804 851
EPS ($) 2.46 2.33
EPS w/o NRI ($) 2.46 2.33
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NYSE:PFSI

Headlines

Articles On GuruFocus.com
PHH Investment Strategy has an upside of 46% May 20 2015 
Leon Cooperman Slashed His Stake in PennyMac Financial Services May 01 2015 
Morning Coffee: Real-Time Guru Picks Apr 02 2014 
Weekly 3-Year Low Highlights: AVP, STAY, RAX, LDR, PFSI Mar 31 2014 

More From Other Websites
PennyMac upgraded by BofA/Merrill Jul 12 2016
PennyMac Financial Services, Inc. breached its 50 day moving average in a Bullish Manner : PFSI-US :... Jun 24 2016
PENNYMAC FINANCIAL SERVICES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement,... Jun 17 2016
PennyMac Financial Services, Inc. Announces Postponement of Proposed Private Offering of $300... May 24 2016
PennyMac Financial Services, Inc. Announces Postponement of Proposed Private Offering of $300... May 24 2016
PENNYMAC FINANCIAL SERVICES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security... May 19 2016
PennyMac Mortgage Reviews: What You Need to Know (PFSI) May 18 2016
PENNYMAC FINANCIAL SERVICES, INC. Financials May 18 2016
PennyMac Financial Services, Inc. :PFSI-US: Earnings Analysis: Q1, 2016 By the Numbers May 18 2016
PennyMac Financial Services, Inc. Announces Proposed Private Offering of $300 Million of Senior... May 16 2016
PENNYMAC FINANCIAL SERVICES, INC. Files SEC form 8-K, Regulation FD Disclosure, Other Events,... May 16 2016
PennyMac Financial Services, Inc. Announces Proposed Private Offering of $300 Million of Senior... May 16 2016
PENNYMAC FINANCIAL SERVICES, INC. Files SEC form 10-Q, Quarterly Report May 09 2016
PENNYMAC FINANCIAL SERVICES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... May 06 2016
Edited Transcript of PFSI earnings conference call or presentation 5-May-16 10:59am GMT May 06 2016
PennyMac Financial Services, Inc. Reports First Quarter 2016 Results May 05 2016
PennyMac Mortgage Investment Trust Reports First Quarter 2016 Results May 05 2016
PennyMac Financial Services, Inc. Reports First Quarter 2016 Results May 05 2016
Q1 2016 PennyMac Financial Services Inc Earnings Release - After Market Close May 05 2016
PennyMac Financial Services, Inc. Announces Date for Release of First Quarter 2016 Results Apr 26 2016

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