PennyMac Financial Services (FRA:1AC) Cyclically Adjusted Revenue per Share: €39.26 (As of Mar. 2026)

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FRA:1AC PennyMac Financial Services Inc FRA:1AC
66 GF Score
Price €74.50
GF Value €111.92
! 7 Warning Signs
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What is PennyMac Financial Services Cyclically Adjusted Revenue per Share?

PennyMac Financial Services FRA:1AC +4.20% 66 Cyclically Adjusted Revenue per Share is €39.26 as of Mar. 2026. GuruFocus rates FRA:1AC with a GF Score™ of 66/100 and a GF Value™ of €111.92. The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

PennyMac Financial Services's adjusted revenue per share for the three months ended in Mar. 2026 was €15.526. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is €39.26 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PennyMac Financial Services's average Cyclically Adjusted Revenue Growth Rate was 24.60% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 21.00% 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 Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of PennyMac Financial Services was 21.00% per year. The lowest was 15.10% per year. And the median was 18.05% per year.

As of today (2026-07-17), PennyMac Financial Services's current stock price is €74.50. PennyMac Financial Services's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was €39.26. PennyMac Financial Services's Cyclically Adjusted PS Ratio of today is 1.90.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of PennyMac Financial Services was 3.62. The lowest was 1.69. And the median was 2.66.


PennyMac Financial Services  (FRA:1AC) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

PennyMac Financial Services's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=74.50/39.26
=1.90

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of PennyMac Financial Services was 3.62. The lowest was 1.69. And the median was 2.66.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


PennyMac Financial Services Cyclically Adjusted Revenue per Share Related Terms


PennyMac Financial Services Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for PennyMac Financial Services's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PennyMac Financial Services Cyclically Adjusted Revenue per Share Chart

PennyMac Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.05 23.18 26.54 32.06 37.41

PennyMac Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 34.01 32.40 33.61 37.41 39.26

FRA:1AC vs FMCC, WD, FNMA: Cyclically Adjusted Revenue per Share Comparison

For the Mortgage Finance subindustry, PennyMac Financial Services's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PennyMac Financial Services's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where PennyMac Financial Services's Cyclically Adjusted PS Ratio falls into.


FRA:1AC
66GF Score
PennyMac Financial Services Inc FRA:1AC
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PennyMac Financial Services Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PennyMac Financial Services's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=15.526/330.2130*330.2130
=15.526

Current CPI (Mar. 2026) = 330.2130.

PennyMac Financial Services Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 2.722 241.018 3.729
201609 3.721 241.428 5.089
201612 3.636 241.432 4.973
201703 2.836 243.801 3.841
201706 2.735 244.955 3.687
201709 3.136 246.819 4.196
201712 11.307 246.524 15.145
201803 2.804 249.554 3.710
201806 3.006 251.989 3.939
201809 3.145 252.439 4.114
201812 3.360 251.233 4.416
201903 3.182 254.202 4.133
201906 3.970 256.143 5.118
201909 10.184 256.759 13.097
201912 -5.257 256.974 -6.755
202003 8.654 258.115 11.071
202006 9.654 257.797 12.366
202009 14.580 260.280 18.497
202012 -2.586 260.474 -3.278
202103 12.086 264.877 15.067
202106 10.101 271.696 12.277
202109 11.360 274.310 13.675
202112 11.228 278.802 13.298
202203 8.014 287.504 9.204
202206 7.862 296.311 8.762
202209 10.278 296.808 11.435
202212 7.906 296.797 8.796
202303 11.748 301.836 12.852
202306 10.072 305.109 10.901
202309 9.934 307.789 10.658
202312 19.788 306.746 21.302
202403 8.663 312.332 9.159
202406 12.491 314.175 13.129
202409 10.600 315.301 11.101
202412 20.162 315.605 21.095
202503 18.453 319.799 19.054
202506 15.059 322.561 15.416
202509 13.960 324.800 14.193
202512 34.807 324.054 35.469
202603 15.526 330.213 15.526

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of €39.26 mean?
PennyMac Financial Services (FRA:1AC) has a Cyclically Adjusted Revenue per Share of €39.26 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on PennyMac Financial Services and its competitors.
Is PennyMac Financial Services' Cyclically Adjusted Revenue per Share too high?
PennyMac Financial Services' current Cyclically Adjusted Revenue per Share is €39.26. Overall, PennyMac Financial Services has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' Cyclically Adjusted Revenue per Share compare to FMCC and WD?
PennyMac Financial Services' Cyclically Adjusted Revenue per Share of €39.26 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on PennyMac Financial Services and its competitors. PennyMac Financial Services's current Cyclically Adjusted Revenue per Share is €39.26. 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?
PennyMac Financial Services (FRA:1AC) has a current Cyclically Adjusted Revenue per Share of €39.26. The stock's GF Value™ is €111.92, compared to a current price of €74.50 — trading 33.4% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is €39.26. PennyMac Financial Services' overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For PennyMac Financial Services (FRA:1AC), the current Cyclically Adjusted Revenue per Share is €39.26 as of Mar. 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 (FRA:1AC) Overvalued in 2026?

Based on GuruFocus' analysis, PennyMac Financial Services stock appears to be undervalued. The current stock price of €74.50 is trading 33.4% below its estimated GF Value™ of €111.92.

Key valuation signals for FRA:1AC:

  • Cyclically Adjusted Revenue per Share: €39.26
  • GF Value™: €111.92 vs. price of €74.50 (33.4% below fair value)
  • GF Score™: 66/100 with 7 warning signs

No single metric tells the full story. See the FRA:1AC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PennyMac Financial Services Business Description

Other Exchanges PFSI:USA
Address 3043 Townsgate Road, Suite 200, Westlake Village, CA, USA, 91361
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.
66GF Score

Get the complete analysis for FRA:1AC

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€74.50
Price
€111.92
GF Value