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PennyMac Financial ServicesPFSI -0.86%72 3-Year Book Growth Rate is 6.00% as of Jun. 2026, which is 73% below its 10-year median of 22.25. GuruFocus rates PFSI with a GF Scoreâ„¢ of 72/100 and a GF Valueâ„¢ of $136.87 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 1,495 Banks companies, PennyMac Financial Services ranks worse than 67.76% on this metric.
During the past 12 months, PennyMac Financial Services's average Book Value per Share Growth Rate was 7.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 6.00% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 10.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 23.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of PennyMac Financial Services was 58.70% per year. The lowest was -19.40% per year. And the median was 22.25% per year.
PennyMac Financial Services (NYSE:PFSI) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
PennyMac Financial Services 3-Year Book Growth Rate Related Terms
PFSI vs FMCC, WD, FNMA: 3-Year Book Growth Rate Comparison
For the Mortgage Finance subindustry, PennyMac Financial Services's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PennyMac Financial Services 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's 3-Year Book Growth Rate falls into.
PennyMac Financial Services 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 6.00% mean?
PennyMac Financial Services (PFSI) has a 3-Year Book Growth Rate of 6.00% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for PennyMac Financial Services and its competitors. This is 73% below median its historical median of 22.25. According to the industry distribution chart, PennyMac Financial Services ranks #1013 out of 1495 companies in the Banks industry, placing it in the top 67.8%.
Is PennyMac Financial Services' 3-Year Book Growth Rate too high?
PennyMac Financial Services' current 3-Year Book Growth Rate of 6.00% is 73% below median its 10-year median of 22.25. The Banks industry median 3-Year Book Growth Rate is 8.80. PennyMac Financial Services' value of 6.00% is 31.8% below this industry median. Based on the distribution chart, PennyMac Financial Services ranks #1013 out of 1495 companies in the Banks industry, which is below the industry midpoint. Overall, PennyMac Financial Services has a GF Scoreâ„¢ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' 3-Year Book Growth Rate compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #1013 out of 1495 companies for 3-Year Book Growth Rate. This places PennyMac Financial Services in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. PennyMac Financial Services' value of 6.00% is 31.8% below this benchmark. While the company's 10-year median is 22.25 vs. the industry median of 8.80, PennyMac Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PennyMac Financial Services's current 3-Year Book Growth Rate of 6.00% is 31.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for PennyMac Financial Services and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current 3-Year Book Growth Rate is 6.00%, which is 73% below median its own 10-year median of 22.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PennyMac Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PennyMac Financial Services (PFSI) is currently considered Possible Value Trap. The stock's GF Value™ is $136.87, compared to a current price of $75.09 — trading 45.1% below its estimated fair value. The current 3-Year Book Growth Rate is 6.00%, which is 73% below median its 10-year median of 22.25 and 31.8% below the Banks industry median of 8.80. PennyMac Financial Services' overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current 3-Year Book Growth Rate is 6.00% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PennyMac Financial Services (PFSI) Overvalued in 2026?
Based on GuruFocus' analysis, PennyMac Financial Services stock appears to be undervalued.
The current stock price of $75.09 is trading 45.1% below its estimated GF Value™ of $136.87.
GuruFocus considers PennyMac Financial Services to be Possible Value Trap.
Key valuation signals for PFSI:
3-Year Book Growth Rate: 6.00% (73% below median its 10-year median of 22.25)
GF Value™: $136.87 vs. price of $75.09 (45.1% below fair value)
Industry Position: 31.8% below the Banks median (#1013 of 1495)
No single metric tells the full story. See the PFSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
72GF Score
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