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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.12
PFSI's Cash-to-Debt is ranked lower than
93% of the 1495 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.97 vs. PFSI: 0.12 )
Ranked among companies with meaningful Cash-to-Debt only.
PFSI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.52 Max: N/A
Current: 0.12
Equity-to-Asset 0.07
PFSI's Equity-to-Asset is ranked lower than
84% of the 1496 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: 0.09 Max: 0.43
Current: 0.07
0.07
0.43
Interest Coverage 3.61
PFSI's Interest Coverage is ranked higher than
72% of the 1758 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.61 vs. PFSI: 3.61 )
Ranked among companies with meaningful Interest Coverage only.
PFSI' s Interest Coverage Range Over the Past 10 Years
Min: 3.61  Med: 7.84 Max: 41.83
Current: 3.61
3.61
41.83
Piotroski F-Score: 2
Beneish M-Score: -1.79
WACC vs ROIC
12.57%
22.34%
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 : 5/10

vs
industry
vs
history
Operating Margin % 41.11
PFSI's Operating Margin % is ranked higher than
75% of the 1511 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.68 vs. PFSI: 41.11 )
Ranked among companies with meaningful Operating Margin % only.
PFSI' s Operating Margin % Range Over the Past 10 Years
Min: 19.66  Med: 43.03 Max: 48.28
Current: 41.11
19.66
48.28
Net Margin % 7.09
PFSI's Net Margin % is ranked lower than
87% of the 1510 Companies
in the Global Specialty Finance industry.

( Industry Median: 21.91 vs. PFSI: 7.09 )
Ranked among companies with meaningful Net Margin % only.
PFSI' s Net Margin % Range Over the Past 10 Years
Min: 3.73  Med: 7.11 Max: 48.28
Current: 7.09
3.73
48.28
ROE % 21.86
PFSI's ROE % is ranked higher than
94% of the 1509 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.30 vs. PFSI: 21.86 )
Ranked among companies with meaningful ROE % only.
PFSI' s ROE % Range Over the Past 10 Years
Min: 17.2  Med: 20.43 Max: 190.97
Current: 21.86
17.2
190.97
ROA % 1.45
PFSI's ROA % is ranked higher than
81% of the 1518 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. PFSI: 1.45 )
Ranked among companies with meaningful ROA % only.
PFSI' s ROA % Range Over the Past 10 Years
Min: 1.19  Med: 1.69 Max: 21.1
Current: 1.45
1.19
21.1
3-Year Revenue Growth Rate 33.70
PFSI's 3-Year Revenue Growth Rate is ranked higher than
97% of the 1316 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.90 vs. PFSI: 33.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PFSI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 33.7
Current: 33.7
0
33.7
3-Year EBITDA Growth Rate 47.60
PFSI's 3-Year EBITDA Growth Rate is ranked higher than
94% of the 1228 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.20 vs. PFSI: 47.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PFSI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 47.6
Current: 47.6
0
47.6
3-Year EPS without NRI Growth Rate 53.10
PFSI's 3-Year EPS without NRI Growth Rate is ranked higher than
95% of the 1184 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.30 vs. PFSI: 53.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PFSI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 53.1
Current: 53.1
0
53.1
GuruFocus has detected 3 Warning Signs with PennyMac Financial Services Inc $PFSI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PFSI's 10-Y Financials

Financials (Next Earnings Date: 2017-05-02 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q2 2016

PFSI Guru Trades in Q2 2016

Jeremy Grantham 35,550 sh (+60.86%)
Leon Cooperman 2,472,697 sh (-0.88%)
Jim Simons 186,500 sh (-12.44%)
» More
Q3 2016

PFSI Guru Trades in Q3 2016

Jim Simons 244,700 sh (+31.21%)
Jeremy Grantham 33,650 sh (-5.34%)
Leon Cooperman 2,312,500 sh (-6.48%)
» More
Q4 2016

PFSI Guru Trades in Q4 2016

Jim Simons 477,700 sh (+95.22%)
Jeremy Grantham 30,769 sh (-8.56%)
Leon Cooperman 1,619,916 sh (-29.95%)
» 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    NAICS: 523920    SIC: 6162
Compare:OTCPK:BEVFF » 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
PE Ratio 5.60
PFSI's PE Ratio is ranked higher than
91% of the 1941 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.56 vs. PFSI: 5.60 )
Ranked among companies with meaningful PE Ratio only.
PFSI' s PE Ratio Range Over the Past 10 Years
Min: 5.12  Med: 9.55 Max: 97
Current: 5.6
5.12
97
Forward PE Ratio 5.50
PFSI's Forward PE Ratio is ranked higher than
96% of the 526 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.33 vs. PFSI: 5.50 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 5.60
PFSI's PE Ratio without NRI is ranked higher than
91% of the 1635 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.25 vs. PFSI: 5.60 )
Ranked among companies with meaningful PE Ratio without NRI only.
PFSI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.12  Med: 9.55 Max: 97
Current: 5.6
5.12
97
Price-to-Owner-Earnings 6.61
PFSI's Price-to-Owner-Earnings is ranked higher than
77% of the 905 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.04 vs. PFSI: 6.61 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PFSI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.5  Med: 7.17 Max: 9.36
Current: 6.61
6.5
9.36
PB Ratio 1.04
PFSI's PB Ratio is ranked higher than
59% of the 1810 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.17 vs. PFSI: 1.04 )
Ranked among companies with meaningful PB Ratio only.
PFSI' s PB Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.65 Max: 2.93
Current: 1.04
0.87
2.93
PS Ratio 1.33
PFSI's PS Ratio is ranked higher than
89% of the 1833 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.32 vs. PFSI: 1.33 )
Ranked among companies with meaningful PS Ratio only.
PFSI' s PS Ratio Range Over the Past 10 Years
Min: 0.68  Med: 1.63 Max: 3.64
Current: 1.33
0.68
3.64
EV-to-EBIT 5.45
PFSI's EV-to-EBIT is ranked higher than
72% of the 1558 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.64 vs. PFSI: 5.45 )
Ranked among companies with meaningful EV-to-EBIT only.
PFSI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.44  Med: 8.9 Max: 10.7
Current: 5.45
5.44
10.7
EV-to-EBITDA 3.04
PFSI's EV-to-EBITDA is ranked higher than
83% of the 1576 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.00 vs. PFSI: 3.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.03  Med: 6.65 Max: 8.9
Current: 3.04
3.03
8.9

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -2.50
PFSI's 3-Year Average Share Buyback Ratio is ranked lower than
55% of the 1010 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.60 vs. PFSI: -2.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PFSI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.5  Med: 0 Max: 0
Current: -2.5
-2.5
0

Valuation & Return

vs
industry
vs
history
Price-to-Median-PS-Value 0.82
PFSI's Price-to-Median-PS-Value is ranked higher than
87% of the 1693 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.15 vs. PFSI: 0.82 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PFSI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.81  Med: 0.93 Max: 1.56
Current: 0.82
0.81
1.56
Earnings Yield (Greenblatt) % 18.38
PFSI's Earnings Yield (Greenblatt) % is ranked higher than
79% of the 2086 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.41 vs. PFSI: 18.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PFSI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 9.4  Med: 11.3 Max: 18.43
Current: 18.38
9.4
18.43

More Statistics

Revenue (TTM) (Mil) $931.9
EPS (TTM) $ 2.93
Beta0.62
Short Percentage of Float4.73%
52-Week Range $10.96 - 19.35
Shares Outstanding (Mil)22.74

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 999 1,031
EPS ($) 2.99 3.06
EPS without NRI ($) 2.99 3.06
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for 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 

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PennyMac beats 4Q profit forecasts Feb 02 2017
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