PFSI (PennyMac Financial Services) Cyclically Adjusted Revenue per Share: $46.37 (As of Mar. 2026)


PFSI PennyMac Financial Services Inc PFSI
71 GF Score
Price $83.47
GF Value $135.46
Valuation Possible Value Trap
! 7 Warning Signs
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What is PennyMac Financial Services Cyclically Adjusted Revenue per Share?

PennyMac Financial Services PFSI -1.60% 71 Cyclically Adjusted Revenue per Share is $46.37 as of Mar. 2026. GuruFocus rates PFSI with a GF Score™ of 71/100 and a GF Value™ of $135.46 (Possible Value Trap). 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 $17.949. 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 $46.37 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 (2026-07-02), PennyMac Financial Services's current stock price is $83.47. PennyMac Financial Services's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $46.37. PennyMac Financial Services's Cyclically Adjusted PS Ratio of today is 1.80.

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 2.67.


PennyMac Financial Services  (NYSE:PFSI) 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
=83.47/46.37
=1.80

* 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 2.67.


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 22.94 24.85 29.50 35.02 44.04

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 37.21 38.89 40.42 44.04 46.37

PFSI 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.


PFSI
71GF Score
PennyMac Financial Services Inc PFSI
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)
=17.949/330.2130*330.2130
=17.949

Current CPI (Mar. 2026) = 330.2130.

PennyMac Financial Services Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 3.058 241.018 4.190
201609 4.177 241.428 5.713
201612 3.836 241.432 5.247
201703 3.033 243.801 4.108
201706 3.073 244.955 4.143
201709 3.738 246.819 5.001
201712 13.380 246.524 17.922
201803 3.458 249.554 4.576
201806 3.512 251.989 4.602
201809 3.670 252.439 4.801
201812 3.823 251.233 5.025
201903 3.595 254.202 4.670
201906 4.486 256.143 5.783
201909 11.216 256.759 14.425
201912 -5.841 256.974 -7.506
202003 9.562 258.115 12.233
202006 10.871 257.797 13.925
202009 17.173 260.280 21.787
202012 -3.146 260.474 -3.988
202103 14.388 264.877 17.937
202106 12.169 271.696 14.790
202109 13.364 274.310 16.088
202112 12.687 278.802 15.026
202203 8.826 287.504 10.137
202206 8.311 296.311 9.262
202209 10.176 296.808 11.321
202212 8.375 296.797 9.318
202303 12.578 301.836 13.761
202306 10.912 305.109 11.810
202309 10.601 307.789 11.373
202312 21.579 306.746 23.230
202403 9.416 312.332 9.955
202406 13.445 314.175 14.131
202409 11.765 315.301 12.321
202412 21.112 315.605 22.089
202503 19.949 319.799 20.599
202506 17.369 322.561 17.781
202509 16.385 324.800 16.658
202512 40.758 324.054 41.533
202603 17.949 330.213 17.949

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 $46.37 mean?
PennyMac Financial Services (PFSI) has a Cyclically Adjusted Revenue per Share of $46.37 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 $46.37. Overall, PennyMac Financial Services has a GF Score™ of 71/100 and is considered Possible Value Trap, 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 $46.37 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 $46.37. 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 $135.46, compared to a current price of $83.47 — trading 38.4% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is $46.37. PennyMac Financial Services' overall GF Score™ is 71/100 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 (PFSI), the current Cyclically Adjusted Revenue per Share is $46.37 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 (PFSI) Overvalued in 2026?

Based on GuruFocus' analysis, PennyMac Financial Services stock appears to be undervalued. The current stock price of $83.47 is trading 38.4% below its estimated GF Value™ of $135.46. GuruFocus considers PennyMac Financial Services to be Possible Value Trap.

Key valuation signals for PFSI:

  • Cyclically Adjusted Revenue per Share: $46.37
  • GF Value™: $135.46 vs. price of $83.47 (38.4% below fair value)
  • GF Score™: 71/100 with 7 warning signs

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 Business Description

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.
71GF Score

Get the complete analysis for PFSI

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

$83.47
Price
$135.46
GF Value