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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.10
PFSI's Cash-to-Debt is ranked lower than
93% of the 1592 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.23 vs. PFSI: 0.10 )
Ranked among companies with meaningful Cash-to-Debt only.
PFSI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.61 Max: N/A
Current: 0.1
Equity-to-Asset 0.07
PFSI's Equity-to-Asset is ranked lower than
85% of the 1591 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: 0.06  Med: 0.08 Max: 0.44
Current: 0.07
0.06
0.44
Interest Coverage 3.62
PFSI's Interest Coverage is ranked higher than
71% of the 1515 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.69 vs. PFSI: 3.62 )
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: 3.62
3.61
41.83
Beneish M-Score: -3.18
WACC vs ROIC
12.21%
21.98%
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 % 41.79
PFSI's Operating Margin % is ranked higher than
72% of the 1606 Companies
in the Global Specialty Finance industry.

( Industry Median: 31.37 vs. PFSI: 41.79 )
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: 41.79
19.66
48.28
Net Margin % 7.23
PFSI's Net Margin % is ranked lower than
87% of the 1605 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.70 vs. PFSI: 7.23 )
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: 7.23
3.73
48.28
ROE % 22.32
PFSI's ROE % is ranked higher than
92% of the 1603 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.58 vs. PFSI: 22.32 )
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: 22.32
17.2
190.97
ROA % 1.46
PFSI's ROA % is ranked higher than
77% of the 1612 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. PFSI: 1.46 )
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: 1.46
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 1354 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.20 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 1256 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.40 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 1226 Companies
in the Global Specialty Finance industry.

( Industry Median: 7.40 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 1 Warning Sign 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 30-Y Financials

Financials (Next Earnings Date: 2017-08-03 Est.)


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

» Details

Guru Trades

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
Q1 2017

PFSI Guru Trades in Q1 2017

Leon Cooperman 1,619,916 sh (unchged)
Jeremy Grantham 29,750 sh (-3.31%)
Jim Simons 230,407 sh (-51.77%)
» 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:NAS:ATAX, NYSE:AI, OTCPK:HMCBF, NYSE:OCN, AMEX:IMH, NAS:MRLN, NAS:MRCC, OTCPK:MAMTF, OTCPK:FCMGF, OTCPK:BEVFF, NYSE:EFC, NYSE:SGM, OTCPK:EQGPF, OTCPK:FCBK, NAS:MMAC, OTCPK:CXSNF, NYSE:WAC, NYSE:PHH, OTCPK:IOUFF, OTCPK:STXMF » details
Traded in other countries:PFM.Germany,
Headquarter Location:USA
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 market.

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 5.21
PFSI's PE Ratio is ranked higher than
91% of the 1510 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.59 vs. PFSI: 5.21 )
Ranked among companies with meaningful PE Ratio only.
PFSI' s PE Ratio Range Over the Past 10 Years
Min: 5.12  Med: 9.45 Max: 97
Current: 5.21
5.12
97
Forward PE Ratio 5.54
PFSI's Forward PE Ratio is ranked higher than
98% of the 839 Companies
in the Global Specialty Finance industry.

( Industry Median: 13.93 vs. PFSI: 5.54 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 5.21
PFSI's PE Ratio without NRI is ranked higher than
91% of the 1477 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.63 vs. PFSI: 5.21 )
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: 9.45 Max: 97
Current: 5.21
5.12
97
Price-to-Owner-Earnings 2.41
PFSI's Price-to-Owner-Earnings is ranked higher than
75% of the 882 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.21 vs. PFSI: 2.41 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PFSI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.4  Med: 7.34 Max: 9.91
Current: 2.41
2.4
9.91
PB Ratio 0.98
PFSI's PB Ratio is ranked higher than
56% of the 1611 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.20 vs. PFSI: 0.98 )
Ranked among companies with meaningful PB Ratio only.
PFSI' s PB Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.63 Max: 2.93
Current: 0.98
0.87
2.93
PS Ratio 0.83
PFSI's PS Ratio is ranked higher than
87% of the 1586 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.40 vs. PFSI: 0.83 )
Ranked among companies with meaningful PS Ratio only.
PFSI' s PS Ratio Range Over the Past 10 Years
Min: 0.68  Med: 1.58 Max: 3.64
Current: 0.83
0.68
3.64
EV-to-EBIT 4.78
PFSI's EV-to-EBIT is ranked higher than
76% of the 1668 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.52 vs. PFSI: 4.78 )
Ranked among companies with meaningful EV-to-EBIT only.
PFSI' s EV-to-EBIT Range Over the Past 10 Years
Min: 4.7  Med: 8.8 Max: 10.7
Current: 4.78
4.7
10.7
EV-to-EBITDA 2.93
PFSI's EV-to-EBITDA is ranked higher than
87% of the 1685 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.29 vs. PFSI: 2.93 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.9  Med: 6.6 Max: 8.9
Current: 2.93
2.9
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
54% of the 1042 Companies
in the Global Specialty Finance industry.

( Industry Median: -1.80 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 0.54
PFSI's Price-to-Median-PS-Value is ranked higher than
82% of the 1462 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.14 vs. PFSI: 0.54 )
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  Med: 1.02 Max: 2.03
Current: 0.54
0
2.03
Earnings Yield (Greenblatt) % 20.82
PFSI's Earnings Yield (Greenblatt) % is ranked higher than
81% of the 2207 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.95 vs. PFSI: 20.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PFSI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 9.4  Med: 11.3 Max: 21.1
Current: 20.82
9.4
21.1

More Statistics

Revenue (TTM) (Mil) $993.0
EPS (TTM) $ 2.93
Beta0.66
Short Percentage of Float3.22%
52-Week Range $11.47 - 19.35
Shares Outstanding (Mil)23.39

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 999 1,031
EPS ($) 2.97 3.21
EPS without NRI ($) 2.97 3.21
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for PFSI

Headlines

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Weekly 3-Year Low Highlights: AVP, STAY, RAX, LDR, PFSI Mar 31 2014 

More From Other Websites
Edited Transcript of PFSI earnings conference call or presentation 4-May-17 10:59am GMT May 10 2017
PennyMac misses 1Q profit forecasts May 05 2017
PennyMac Financial Services, Inc. Reports First Quarter 2017 Results May 04 2017
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PennyMac Financial Services, Inc. Announces Date for Release of First Quarter 2017 Results Apr 26 2017
PennyMac Financial Services, Inc. Announces Date for 2017 Annual Meeting of Stockholders Apr 13 2017
PennyMac Mortgage Investment Trust Declares First Quarter 2017 Dividend Mar 27 2017
PennyMac Announces Its Selection as a Secondary Market Investor by ABA Community Bank Mortgage LLC Mar 27 2017
PennyMac Financial Services, Inc. breached its 50 day moving average in a Bearish Manner : PFSI-US :... Mar 15 2017
PennyMac Mortgage Investment Trust Prices Public Offering of 8.125 Percent Series A... Mar 02 2017
PennyMac Financial Services, Inc. Announces Pricing of Term Notes Secured by Ginnie Mae MSRs and ESS Feb 15 2017
Is PennyMac a Great Stock for Value Investors? Feb 09 2017
PennyMac Financial Services, Inc. :PFSI-US: Earnings Analysis: 2016 By the Numbers : February 8,... Feb 08 2017
Edited Transcript of PFSI earnings conference call or presentation 2-Feb-17 9:30pm GMT Feb 02 2017
PennyMac beats 4Q profit forecasts Feb 02 2017
PennyMac Financial Services, Inc. Reports Fourth Quarter and Full-Year 2016 Results Feb 02 2017
PennyMac Financial Services, Inc. breached its 50 day moving average in a Bullish Manner : PFSI-US :... Jan 30 2017
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Dodd-Frank Repeal Could Be Boon For Small, Regional Financials Jan 09 2017

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