Business Description
PennyMac Financial Services Inc
NAICS : 523940
SIC : 6162
ISIN : US70932B1017
Share Class Description:
FRA:1AC: Class ATotal Employee Number:
4,900Compare
Compare
Traded in other countries / regions
PFSI.USA1AC.Germany IPO Date
2013-05-22Description
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform mainly focused on the production and servicing of U.S. residential mortgage loans. The firm is also engaged in managing investments related to the U.S. mortgage market and provides products and services that leverage technologies to support customers. The company operates through two reportable operating segments: production and servicing. The production segment performs loan origination, acquisition, and sale activities, while the servicing segment performs servicing and subservicing of loans, early buyout transactions, and servicing of loans sourced and managed for PMT. The majority of revenue comes from the production segment.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.03 | |||||
Equity-to-Asset | 0.15 | |||||
Debt-to-Equity | 5.46 | |||||
Debt-to-EBITDA | 42.59 | |||||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 5/9 | |||||
Altman Z-Score | 0.81 | |||||
Beneish M-Score | -1.45 | |||||
WACC vs ROIC | ||||||
Growth Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 25.5 | |||||
3-Year EBITDA Growth Rate | -4.5 | |||||
3-Year EPS without NRI Growth Rate | 1.9 | |||||
3-Year Book Growth Rate | 6 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 19.71 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 12.19 |
Momentum Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 28.84 | |||||
9-Day RSI | 33.25 | |||||
14-Day RSI | 36.86 | |||||
3-1 Month Momentum % | -3.38 | |||||
6-1 Month Momentum % | -5.3 | |||||
12-1 Month Momentum % | -11.73 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 1.73 | |||||
Quick Ratio | 1.73 | |||||
Cash Ratio | 0.07 | |||||
Days Sales Outstanding | 12.53 | |||||
Days Payable | 96.77 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 1.61 | |||||
Dividend Payout Ratio | 0.17 | |||||
3-Year Dividend Growth Rate | 14.5 | |||||
Forward Dividend Yield % | 1.65 | |||||
5-Year Yield-on-Cost % | 3.14 | |||||
3-Year Average Share Buyback Ratio | -1.4 | |||||
Shareholder Yield % | -86.47 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 55.34 | |||||
Operating Margin % | 10.71 | |||||
Net Margin % | 8.33 | |||||
EBITDA Margin % | 11.8 | |||||
FCF Margin % | -87.59 | |||||
OCF Margin % | -86.14 | |||||
ROE % | 9.26 | |||||
ROA % | 1.39 | |||||
ROIC % | 1.52 | |||||
3-Year ROIIC % | 0.07 | |||||
ROC (Joel Greenblatt) % | 858.92 | |||||
ROCE % | 2.8 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 5 | |||||
Tariff Resilience Score | 8 |
GF Value Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 10.36 | |||||
Forward PE Ratio | 8.56 | |||||
PE Ratio without NRI | 10.37 | |||||
Shiller PE Ratio | 8.1 | |||||
Price-to-Owner-Earnings | 21.67 | |||||
PS Ratio | 0.86 | |||||
PB Ratio | 0.9 | |||||
EV-to-EBIT | 53.21 | |||||
EV-to-EBITDA | 48.29 | |||||
EV-to-Revenue | 5.7 | |||||
EV-to-Forward-Revenue | 9.11 | |||||
EV-to-FCF | -6.5 | |||||
Price-to-GF-Value | 0.61 | |||||
Price-to-Median-PS-Value | 0.52 | |||||
Earnings Yield (Greenblatt) % | 1.88 | |||||
FCF Yield % | -104.25 | |||||
Forward Rate of Return (Yacktman) % | -27.23 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
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Annualized Return % Â
Total Annual Return % Â
PennyMac Financial Services Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 4,042.668 | ||
| EPS (TTM) (€) | 6.232 | ||
| Beta | 0.6875 | ||
| 3-Year Sharpe Ratio | 0.2 | ||
| 3-Year Sortino Ratio | 0.29 | ||
| Volatility % | 34.74 | ||
| 14-Day RSI | 36.86 | ||
| 14-Day ATR (€) | 1.886958 | ||
| 20-Day SMA (€) | 70.2 | ||
| 12-1 Month Momentum % | -11.73 | ||
| 52-Week Range (€) | 62.5 - 134 | ||
| Shares Outstanding (Mil) | 51.92 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
PennyMac Financial Services Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
PennyMac Financial Services Inc Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Fourth quarter earnings conference call for 2026 | 2027-01-29 17:00 | In 179 days | ||
| Fourth quarter earnings results for 2026 | 2027-01-29 | In 178 days | ||
| Third quarter earnings conference call for 2026 | 2026-10-21 17:00 | In 79 days | ||
| Third quarter earnings results for 2026 | 2026-10-21 | In 78 days | ||
| USD 0.300000 Cash Dividend | 2026-08-17 | In 13 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-29 17:00 | 73.00 (+0.00%) | ||
| Second quarter earnings results for 2026 | 2026-07-29 | 73.00 (+0.00%) | ||
| General meeting for 2026 | 2026-06-03 11:00 | 68.50 (-1.44%) | ||
| USD 0.300000 Cash Dividend | 2026-05-18 | 72.50 (-1.36%) | ||
| First quarter earnings conference call for 2026 | 2026-05-05 17:00 | 76.00 (-1.30%) |
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PennyMac Financial Services Inc Frequently Asked Questions
What is PennyMac Financial Services Inc(FRA:1AC)'s stock price today?
The current price of FRA:1AC is €64.50. The 52 week high of FRA:1AC is €134.00 and 52 week low is €62.50.
When is next earnings date of PennyMac Financial Services Inc(FRA:1AC)?
The next earnings date of PennyMac Financial Services Inc(FRA:1AC) is 2026-10-21 Est..
Does PennyMac Financial Services Inc(FRA:1AC) pay dividends? If so, how much?
The Dividend Yield %  of PennyMac Financial Services Inc(FRA:1AC) is 1.61% (As of Today), Highest Dividend Payout Ratio of PennyMac Financial Services Inc(FRA:1AC) was 0.17. The lowest was 0.03. And the median was 0.09. The  Forward Dividend Yield % of PennyMac Financial Services Inc(FRA:1AC) is 1.65%. For more information regarding to dividend, please check our Dividend Page.
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