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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 0.30
PFSI's Cash to Debt is ranked lower than
76% of the 984 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.36 vs. PFSI: 0.30 )
Ranked among companies with meaningful Cash to Debt only.
PFSI' s 10-Year Cash to Debt Range
Min: 0.23  Med: 0.79 Max: N/A
Current: 0.3
Equity to Asset 0.07
PFSI's Equity to Asset is ranked lower than
84% of the 1355 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 10-Year Equity to Asset Range
Min: 0.07  Med: 0.09 Max: 0.44
Current: 0.07
0.07
0.44
Interest Coverage 5.99
PFSI's Interest Coverage is ranked higher than
84% of the 1272 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.60 vs. PFSI: 5.99 )
Ranked among companies with meaningful Interest Coverage only.
PFSI' s 10-Year Interest Coverage Range
Min: 5.99  Med: 10.92 Max: 41.83
Current: 5.99
5.99
41.83
F-Score: 1
WACC vs ROIC
10.36%
80.51%
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 (%) 39.41
PFSI's Operating margin (%) is ranked higher than
71% of the 1425 Companies
in the Global Specialty Finance industry.

( Industry Median: 30.25 vs. PFSI: 39.41 )
Ranked among companies with meaningful Operating margin (%) only.
PFSI' s 10-Year Operating margin (%) Range
Min: 19.66  Med: 44.64 Max: 48.28
Current: 39.41
19.66
48.28
Net-margin (%) 6.63
PFSI's Net-margin (%) is ranked lower than
88% of the 1425 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.01 vs. PFSI: 6.63 )
Ranked among companies with meaningful Net-margin (%) only.
PFSI' s 10-Year Net-margin (%) Range
Min: 3.73  Med: 19.66 Max: 48.28
Current: 6.63
3.73
48.28
ROE (%) 19.10
PFSI's ROE (%) is ranked higher than
89% of the 1427 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.44 vs. PFSI: 19.10 )
Ranked among companies with meaningful ROE (%) only.
PFSI' s 10-Year ROE (%) Range
Min: 0.06  Med: 15.79 Max: 19.32
Current: 19.1
0.06
19.32
ROA (%) 1.52
PFSI's ROA (%) is ranked higher than
81% of the 1436 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.87 vs. PFSI: 1.52 )
Ranked among companies with meaningful ROA (%) only.
PFSI' s 10-Year ROA (%) Range
Min: 1.19  Med: 5.98 Max: 21.1
Current: 1.52
1.19
21.1
» PFSI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

PFSI Guru Trades in Q3 2014

Leon Cooperman 3,291,600 sh (unchged)
Chuck Royce 50,000 sh (unchged)
George Soros 187,382 sh (unchged)
NWQ Managers 108,400 sh (-0.04%)
Jim Simons 30,900 sh (-45.41%)
» More
Q4 2014

PFSI Guru Trades in Q4 2014

Leon Cooperman 3,291,600 sh (unchged)
George Soros 187,382 sh (unchged)
Chuck Royce Sold Out
NWQ Managers Sold Out
Jim Simons 22,900 sh (-25.89%)
» More
Q1 2015

PFSI Guru Trades in Q1 2015

Jim Simons 32,500 sh (+41.92%)
George Soros 187,382 sh (unchged)
Leon Cooperman 3,291,600 sh (unchged)
» More
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%)
Leon Cooperman 1,114,500 sh (-66.14%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 10.22
PFSI's P/E(ttm) is ranked higher than
66% of the 1293 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.10 vs. PFSI: 10.22 )
Ranked among companies with meaningful P/E(ttm) only.
PFSI' s 10-Year P/E(ttm) Range
Min: 10.23  Med: 12.90 Max: 97
Current: 10.22
10.23
97
Forward P/E 5.93
PFSI's Forward P/E is ranked higher than
91% of the 714 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.85 vs. PFSI: 5.93 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 31.00
PFSI's PE(NRI) is ranked lower than
89% of the 1291 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.20 vs. PFSI: 31.00 )
Ranked among companies with meaningful PE(NRI) only.
PFSI' s 10-Year PE(NRI) Range
Min: 30.96  Med: 40.53 Max: 533.5
Current: 31
30.96
533.5
P/B 1.48
PFSI's P/B is ranked lower than
81% of the 1370 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.06 vs. PFSI: 1.48 )
Ranked among companies with meaningful P/B only.
PFSI' s 10-Year P/B Range
Min: 1.5  Med: 1.80 Max: 2.94
Current: 1.48
1.5
2.94
P/S 2.04
PFSI's P/S is ranked higher than
69% of the 1409 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.86 vs. PFSI: 2.04 )
Ranked among companies with meaningful P/S only.
PFSI' s 10-Year P/S Range
Min: 0.74  Med: 2.40 Max: 3.64
Current: 2.04
0.74
3.64
EV-to-EBIT 4.86
PFSI's EV-to-EBIT is ranked higher than
91% of the 1284 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.41 vs. PFSI: 4.86 )
Ranked among companies with meaningful EV-to-EBIT only.
PFSI' s 10-Year EV-to-EBIT Range
Min: 7.8  Med: 9.00 Max: 10.7
Current: 4.86
7.8
10.7
Days Sales Outstanding 82.33
PFSI's Days Sales Outstanding is ranked lower than
73% of the 795 Companies
in the Global Specialty Finance industry.

( Industry Median: 34.20 vs. PFSI: 82.33 )
Ranked among companies with meaningful Days Sales Outstanding only.
PFSI' s 10-Year Days Sales Outstanding Range
Min: 65.82  Med: 85.92 Max: 278.76
Current: 82.33
65.82
278.76

Valuation & Return

vs
industry
vs
history
Price/Median PS Value 0.85
PFSI's Price/Median PS Value is ranked higher than
75% of the 1310 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.04 vs. PFSI: 0.85 )
Ranked among companies with meaningful Price/Median PS Value only.
PFSI' s 10-Year Price/Median PS Value Range
Min: 0.41  Med: 0.97 Max: 1.36
Current: 0.85
0.41
1.36
Earnings Yield (Greenblatt) (%) 20.57
PFSI's Earnings Yield (Greenblatt) (%) is ranked higher than
92% of the 1408 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.80 vs. PFSI: 20.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PFSI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 9.4  Med: 11.10 Max: 20.56
Current: 20.57
9.4
20.56

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 718 873
EPS($) 2.21 2.81
EPS without NRI($) 2.21 2.81

Business Description

Industry: Banks » Specialty Finance
Compare: » details
Traded in other countries:PFM.Germany,
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.
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