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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.11
PFSI's Cash-to-Debt is ranked lower than
94% of the 1639 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.05 vs. PFSI: 0.11 )
Ranked among companies with meaningful Cash-to-Debt only.
PFSI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1  Med: 0.55 Max: 1.05
Current: 0.11
0.1
1.05
Equity-to-Asset 0.06
PFSI's Equity-to-Asset is ranked lower than
91% of the 1624 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. PFSI: 0.06 )
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: 0.06
0.06
0.44
Debt-to-Equity 1.82
PFSI's Debt-to-Equity is ranked lower than
85% of the 1247 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.63 vs. PFSI: 1.82 )
Ranked among companies with meaningful Debt-to-Equity only.
PFSI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15  Med: 0.6 Max: 2.85
Current: 1.82
0.15
2.85
Debt-to-EBITDA 1.08
PFSI's Debt-to-EBITDA is ranked higher than
83% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.03 vs. PFSI: 1.08 )
Ranked among companies with meaningful Debt-to-EBITDA only.
PFSI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.25  Med: 0.63 Max: 1.23
Current: 1.08
0.25
1.23
Interest Coverage 3.08
PFSI's Interest Coverage is ranked higher than
68% of the 1562 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.72 vs. PFSI: 3.08 )
Ranked among companies with meaningful Interest Coverage only.
PFSI' s Interest Coverage Range Over the Past 10 Years
Min: 3.08  Med: 7.84 Max: 41.83
Current: 3.08
3.08
41.83
Beneish M-Score: -3.04
WACC vs ROIC
12.09%
18.54%
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 % 39.38
PFSI's Operating Margin % is ranked higher than
67% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 32.07 vs. PFSI: 39.38 )
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: 39.38
19.66
48.28
Net Margin % 6.87
PFSI's Net Margin % is ranked lower than
88% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.99 vs. PFSI: 6.87 )
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: 6.87
3.73
48.28
ROE % 19.76
PFSI's ROE % is ranked higher than
91% of the 1653 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.60 vs. PFSI: 19.76 )
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: 19.76
17.2
190.97
ROA % 1.26
PFSI's ROA % is ranked higher than
73% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. PFSI: 1.26 )
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: 1.26
1.19
21.1
3-Year Revenue Growth Rate 33.70
PFSI's 3-Year Revenue Growth Rate is ranked higher than
96% of the 1479 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 1396 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.90 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 1354 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 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 2 Warning Signs 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: 2017-11-03 Est.)


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

» Details

Guru Trades

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
Q2 2017

PFSI Guru Trades in Q2 2017

Leon Cooperman 1,619,916 sh (unchged)
Jeremy Grantham 29,750 sh (unchged)
Jim Simons 78,700 sh (-65.84%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Leon Cooperman 2016-12-31 Reduce -29.95%0.36%$15.99 - $19.05 $ 18.157%1,619,916
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Specialty Finance    NAICS: 523920    SIC: 6162
Compare:BOM:511676, NYSE:OCN, DFM:AMLAK, BOM:533344, NAS:ATAX, NAS:MRLN, NYSE:AI, LSE:MAB1, NYSE:EFC, XSWX:HBLN, ASX:PEP, TSX:AI, TSX:MKP, AMEX:IMH, NAS:MRCC, ASX:AFG, TSX:DIV, BOM:535322, XPAR:LD, TSX:FC » details
Traded in other countries:PFM.Germany,
Headquarter Location:USA
PennyMac Financial Services Inc provides mortgage loans to customers in the United States. The company's services span its main function of loan production and loan servicing which includes the recovery of loans and other related charges.

PennyMac Financial Services Inc functions in the financial services domain in the United States. It is involved in the business of mortgage loans and operates through three segments, namely loan production, loan servicing and investment management. Loan Production refers to the disbursing of loans through the correspondent and direct lending channels. It earns its income through interests and accounts for the major share of the company's revenue. Its loan servicing segment relates to the collection and remittance of loan payments.

Ratios

vs
industry
vs
history
PE Ratio 6.11
PFSI's PE Ratio is ranked higher than
91% of the 1528 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.62 vs. PFSI: 6.11 )
Ranked among companies with meaningful PE Ratio only.
PFSI' s PE Ratio Range Over the Past 10 Years
Min: 5.06  Med: 8.97 Max: 97
Current: 6.11
5.06
97
Forward PE Ratio 6.37
PFSI's Forward PE Ratio is ranked higher than
97% of the 372 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.77 vs. PFSI: 6.37 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 6.11
PFSI's PE Ratio without NRI is ranked higher than
91% of the 1531 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.75 vs. PFSI: 6.11 )
Ranked among companies with meaningful PE Ratio without NRI only.
PFSI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.06  Med: 8.97 Max: 97
Current: 6.11
5.06
97
Price-to-Owner-Earnings 23.83
PFSI's Price-to-Owner-Earnings is ranked lower than
78% of the 922 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.44 vs. PFSI: 23.83 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PFSI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.57  Med: 8.22 Max: 23.91
Current: 23.83
6.57
23.91
PB Ratio 1.12
PFSI's PB Ratio is ranked higher than
58% of the 1636 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. PFSI: 1.12 )
Ranked among companies with meaningful PB Ratio only.
PFSI' s PB Ratio Range Over the Past 10 Years
Min: 0.87  Med: 1.55 Max: 2.93
Current: 1.12
0.87
2.93
PS Ratio 1.42
PFSI's PS Ratio is ranked higher than
88% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.44 vs. PFSI: 1.42 )
Ranked among companies with meaningful PS Ratio only.
PFSI' s PS Ratio Range Over the Past 10 Years
Min: 0.68  Med: 1.51 Max: 3.64
Current: 1.42
0.68
3.64
EV-to-EBIT 5.24
PFSI's EV-to-EBIT is ranked higher than
79% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.71 vs. PFSI: 5.24 )
Ranked among companies with meaningful EV-to-EBIT only.
PFSI' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.22  Med: 8.6 Max: 10.7
Current: 5.24
5.22
10.7
EV-to-EBITDA 3.14
PFSI's EV-to-EBITDA is ranked higher than
87% of the 1254 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.38 vs. PFSI: 3.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
PFSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.1  Med: 6.45 Max: 8.9
Current: 3.14
3.1
8.9
EV-to-Revenue 2.06
PFSI's EV-to-Revenue is ranked higher than
76% of the 1293 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.22 vs. PFSI: 2.06 )
Ranked among companies with meaningful EV-to-Revenue only.
PFSI' s EV-to-Revenue Range Over the Past 10 Years
Min: 2.3  Med: 3.6 Max: 5
Current: 2.06
2.3
5

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
51% of the 1129 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.20 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 0.94
PFSI's Price-to-Median-PS-Value is ranked higher than
79% of the 1469 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.16 vs. PFSI: 0.94 )
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: 0.59  Med: 1.04 Max: 2.16
Current: 0.94
0.59
2.16
Price-to-Peter-Lynch-Fair-Value 1.04
PFSI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
59% of the 439 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.24 vs. PFSI: 1.04 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PFSI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.96  Med: 0.96 Max: 1.04
Current: 1.04
0.96
1.04
Earnings Yield (Greenblatt) % 19.15
PFSI's Earnings Yield (Greenblatt) % is ranked higher than
84% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.51 vs. PFSI: 19.15 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PFSI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 9.4  Med: 11.6 Max: 19.16
Current: 19.15
9.4
19.16
Forward Rate of Return (Yacktman) % -35.65
PFSI's Forward Rate of Return (Yacktman) % is ranked lower than
96% of the 981 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.33 vs. PFSI: -35.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PFSI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -39.5  Med: -38.25 Max: -35.65
Current: -35.65
-39.5
-35.65

More Statistics

Revenue (TTM) (Mil) $986.87
EPS (TTM) $ 2.96
Beta0.69
Short Percentage of Float6.54%
52-Week Range $15.65 - 19.35
Shares Outstanding (Mil)23.51

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.44 2.84
EPS without NRI ($) 2.44 2.84
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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