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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 0.10
NYSE:PFSI's Cash to Debt is ranked lower than
94% of the 1599 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.98 vs. NYSE:PFSI: 0.10 )
Ranked among companies with meaningful Cash to Debt only.
NYSE:PFSI' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.82 Max: N/A
Current: 0.1
Equity to Asset 0.06
NYSE:PFSI's Equity to Asset is ranked lower than
92% of the 1608 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. NYSE:PFSI: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
NYSE:PFSI' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.44
Current: 0.06
0.06
0.44
Interest Coverage 3.54
NYSE:PFSI's Interest Coverage is ranked higher than
72% of the 1529 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.67 vs. NYSE:PFSI: 3.54 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:PFSI' s Interest Coverage Range Over the Past 10 Years
Min: 3.54  Med: 9.38 Max: 41.83
Current: 3.54
3.54
41.83
F-Score: 1
M-Score: -1.44
WACC vs ROIC
18.24%
22.22%
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

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industry
vs
history
Operating margin (%) 39.88
NYSE:PFSI's Operating margin (%) is ranked higher than
70% of the 1621 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.83 vs. NYSE:PFSI: 39.88 )
Ranked among companies with meaningful Operating margin (%) only.
NYSE:PFSI' s Operating margin (%) Range Over the Past 10 Years
Min: 19.66  Med: 43.84 Max: 48.28
Current: 39.88
19.66
48.28
Net-margin (%) 6.76
NYSE:PFSI's Net-margin (%) is ranked lower than
87% of the 1619 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.44 vs. NYSE:PFSI: 6.76 )
Ranked among companies with meaningful Net-margin (%) only.
NYSE:PFSI' s Net-margin (%) Range Over the Past 10 Years
Min: 3.73  Med: 13.39 Max: 48.28
Current: 6.76
3.73
48.28
ROE (%) 19.77
NYSE:PFSI's ROE (%) is ranked higher than
90% of the 1619 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.54 vs. NYSE:PFSI: 19.77 )
Ranked among companies with meaningful ROE (%) only.
NYSE:PFSI' s ROE (%) Range Over the Past 10 Years
Min: 17.2  Med: 19.48 Max: 190.97
Current: 19.77
17.2
190.97
ROA (%) 1.30
NYSE:PFSI's ROA (%) is ranked higher than
73% of the 1627 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.89 vs. NYSE:PFSI: 1.30 )
Ranked among companies with meaningful ROA (%) only.
NYSE:PFSI' s ROA (%) Range Over the Past 10 Years
Min: 1.19  Med: 1.8 Max: 21.1
Current: 1.3
1.19
21.1
GuruFocus has detected 2 Warning Signs with PennyMac Financial Services Inc $NYSE:PFSI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE: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

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
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
» 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: 6799
Compare:NYSE:AI, NAS:ATAX, NAS:MRLN, NAS:MRCC, AMEX:IMH, NYSE:EFC, OTCPK:CXSNF, NYSE:SGM, NYSE:WAC, OTCPK:FCBK, NAS:MMAC, NYSE:OCN, OTCPK:BEVFF, NYSE:EMG, NAS:VRTB, NYSE:GSBD, NYSE:WD, NYSE:HTGC, NAS:TREE, OTCPK:HMCBF » 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) 6.29
PFSI's P/E(ttm) is ranked higher than
87% of the 1490 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.41 vs. PFSI: 6.29 )
Ranked among companies with meaningful P/E(ttm) only.
PFSI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.12  Med: 9.7 Max: 97
Current: 6.29
5.12
97
Forward P/E 5.35
PFSI's Forward P/E is ranked higher than
97% of the 360 Companies
in the Global Specialty Finance industry.

( Industry Median: 15.55 vs. PFSI: 5.35 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 6.29
PFSI's PE(NRI) is ranked higher than
87% of the 1487 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.49 vs. PFSI: 6.29 )
Ranked among companies with meaningful PE(NRI) only.
PFSI' s PE(NRI) Range Over the Past 10 Years
Min: 5.12  Med: 9.7 Max: 97
Current: 6.29
5.12
97
Price/Owner Earnings (ttm) 6.64
PFSI's Price/Owner Earnings (ttm) is ranked higher than
75% of the 876 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.83 vs. PFSI: 6.64 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PFSI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.62  Med: 7.34 Max: 9.91
Current: 6.64
6.62
9.91
P/B 1.11
PFSI's P/B is ranked higher than
52% of the 1602 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.16 vs. PFSI: 1.11 )
Ranked among companies with meaningful P/B only.
PFSI' s P/B Range Over the Past 10 Years
Min: 0.87  Med: 1.65 Max: 2.93
Current: 1.11
0.87
2.93
P/S 1.45
PFSI's P/S is ranked higher than
86% of the 1580 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.43 vs. PFSI: 1.45 )
Ranked among companies with meaningful P/S only.
PFSI' s P/S Range Over the Past 10 Years
Min: 0.68  Med: 1.72 Max: 3.64
Current: 1.45
0.68
3.64
EV-to-EBIT 6.30
PFSI's EV-to-EBIT is ranked higher than
75% of the 1210 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.67 vs. PFSI: 6.30 )
Ranked among companies with meaningful EV-to-EBIT only.
PFSI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.6  Med: 8.9 Max: 10.7
Current: 6.3
5.6
10.7
EV-to-EBITDA 3.24
PFSI's EV-to-EBITDA is ranked higher than
86% of the 1217 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.34 vs. PFSI: 3.24 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.1  Med: 6.7 Max: 8.9
Current: 3.24
3.1
8.9

Buy Back

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industry
vs
history

Valuation & Return

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industry
vs
history
Price/Median PS Value 0.85
PFSI's Price/Median PS Value is ranked higher than
80% of the 1458 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.14 vs. PFSI: 0.85 )
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: 1.01 Max: 1.89
Current: 0.85
0.52
1.89
Earnings Yield (Greenblatt) (%) 15.82
PFSI's Earnings Yield (Greenblatt) (%) is ranked higher than
81% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.70 vs. PFSI: 15.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFSI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 9.4  Med: 11.2 Max: 17.9
Current: 15.82
9.4
17.9

More Statistics

Revenue (TTM) (Mil) $829.8
EPS (TTM) $ 2.52
Beta0.62
Short Percentage of Float7.25%
52-Week Range $10.48 - 19.35
Shares Outstanding (Mil)22.31

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 862 929 955
EPS ($) 2.71 2.98 2.99
EPS w/o NRI ($) 2.71 2.98 2.99
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
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