NYSE:PFSI (USA) Also trade in: Germany

PennyMac Financial Services Inc

$ 22.02 -0.05 (-0.23%)
Volume: 473,757 Avg Vol (1m): 259,114
Market Cap $: 1.72 Bil Enterprise Value $: 3.28 Bil
P/E (TTM): 8.89 P/B: 1.05
Earnings Power Value -51.54
Net Current Asset Value 0
Tangible Book -15.76
Projected FCF -99.3
Median P/S Value 20.21
Graham Number 0
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.08
Cash-To-Debt ranked lower than
92.89% of 1617 companies
in the Specialty Finance industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
PFSI: 0.08
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.03, Med: 0.3, Max: 1.05
Current: 0.08
0.03
1.05
Equity-to-Asset 0.22
Equity-to-Asset ranked higher than
92.87% of 1627 companies
in the Specialty Finance industry.
Industry Max: 1, Med: 0.11, Min: -11.05
PFSI: 0.22
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.06, Med: 0.08, Max: 0.44
Current: 0.22
0.06
0.44
Debt-to-Equity 1.09
Debt-to-Equity ranked lower than
93.40% of 1393 companies
in the Specialty Finance industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
PFSI: 1.09
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.15, Med: 1.06, Max: 5.33
Current: 1.09
0.15
5.33
Debt-to-EBITDA 1.40
Debt-to-EBITDA ranked higher than
54.45% of 1416 companies
in the Specialty Finance industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
PFSI: 1.4
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0, Med: 0, Max: 1.4
Current: 1.4
0
1.4
Beneish M-Score -3.13
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 5.64%

Profitability & Growth : 5/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 8.89
Net Margin ranked lower than
88.83% of 1639 companies
in the Specialty Finance industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
PFSI: 8.89
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 3.46, Med: 7.18, Max: 48.28
Current: 8.89
3.46
48.28
ROE % 11.89
ROE ranked higher than
67.03% of 1638 companies
in the Specialty Finance industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
PFSI: 11.89
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 8.26, Med: 20.43, Max: 190.97
Current: 11.89
8.26
190.97
ROA % 1.63
ROA ranked higher than
62.67% of 1645 companies
in the Specialty Finance industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
PFSI: 1.63
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 1.18, Med: 1.59, Max: 21.1
Current: 1.63
1.18
21.1
3-Year Total Revenue Growth Rate 12.00
3-Year Revenue Growth Rate ranked higher than
99.34% of 1513 companies
in the Specialty Finance industry.
Industry Max: 672.4, Med: 4.3, Min: -100
PFSI: 44.6
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -11.5, Med: 27.45, Max: 94.1
Current: 44.6
-11.5
94.1
3-Year EPS w/o NRI Growth Rate 6.10
3-Year EPS w/o NRI Growth Rate ranked higher than
87.86% of 1359 companies
in the Specialty Finance industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
PFSI: 6.1
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 3.05, Max: 53.1
Current: 6.1
0
53.1

» PFSI's 30-Y Financials

Financials (Next Earnings Date: 2019-08-02)

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Business Description

Industry Banks » Specialty Finance    NAICS : 523920    SIC : 6162
Compare NYSE:WD NSE:PNBHOUSING HKSE:00056 LSE:PAG OTCPK:FMCC XKLS:1171 TSX:FN BOM:541988 NYSE:HTGC TSX:EQB TSX:HCG NAS:COOP CAS:CDM OTCPK:FNMA BOM:511072 TSE:7198 BOM:511196 NZSE:HGH NYSE:EFC NAS:ATAX
Traded in other countries 1AC.Germany
Address 3043 Townsgate Road, Westlake Village, CA, USA, 91361
PennyMac Financial Services Inc is a United States-based financial services company. The company operates through three segments: loan production, which conducts mortgage loan origination, acquisition, and sale activities; loan servicing, which conducts servicing of mortgage loans and execution and management of EBOs; and investment management, which refers to the investment manager's activities, including sourcing, performing diligence, and bidding and closing investment asset acquisitions. The company generates the majority of its total revenue from mortgage banking activities, including the loan production segment and the loan servicing segment.

Ratios

Current vs industry vs history
PE Ratio (TTM) 8.89
PE Ratio ranked higher than
90.75% of 1557 companies
in the Specialty Finance industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
PFSI: 8.89
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 4.27, Med: 7.99, Max: 97
Current: 8.89
4.27
97
Forward PE Ratio 6.31
Forward P/E ranked higher than
74.74% of 487 companies
in the Specialty Finance industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
PFSI: 6.31
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 8.89
PE without NRI ranked higher than
90.93% of 1532 companies
in the Specialty Finance industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
PFSI: 8.89
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 4.27, Med: 7.99, Max: 97
Current: 8.89
4.27
97
Price-to-Owner-Earnings 12.21
Price-to-Owner-Earnings ranked lower than
100.00% of 989 companies
in the Specialty Finance industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
PFSI: 12.21
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 4.33, Med: 11.1, Max: 36.91
Current: 12.21
4.33
36.91
PB Ratio 1.05
PB Ratio ranked higher than
52.33% of 1651 companies
in the Specialty Finance industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
PFSI: 1.05
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.87, Med: 1.15, Max: 2.93
Current: 1.05
0.87
2.93
PS Ratio 1.32
PS Ratio ranked higher than
90.78% of 1649 companies
in the Specialty Finance industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
PFSI: 1.32
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.72, Med: 1.21, Max: 3.38
Current: 1.32
0.72
3.38
EV-to-Revenue 2.49
EV-to-Revenue ranked lower than
52.91% of 1325 companies
in the Specialty Finance industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
PFSI: 2.49
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 1.9, Med: 3.5, Max: 4.8
Current: 2.49
1.9
4.8

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate -52.20
3-Year Share Buyback Rate ranked lower than
54.35% of 1137 companies
in the Specialty Finance industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
PFSI: -52.2
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -52.2, Med: -8.05, Max: -2.5
Current: -52.2
-52.2
-2.5

Valuation & Return

Current vs industry vs history
Price-to-Median-PS-Value 1.09
Price-to-Median-PS-Value ranked higher than
75.66% of 1524 companies
in the Specialty Finance industry.
Industry Max: 186, Med: 1.02, Min: 0.03
PFSI: 1.09
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.62, Med: 1, Max: 2.52
Current: 1.09
0.62
2.52

More Statistics

Revenue (TTM) (Mil) $ 1,318.41
EPS (TTM) $ 2.48
Beta 0.21
Volatility % 21.35
52-Week Range $ 18.77 - 24.5
Shares Outstanding (Mil) 78.33

Analyst Estimate

Piotroski F-Score Details