PennyMac Financial ServicesPFSI +0.57%71 Days Payable is 119.19 as of Mar. 2026, which is 39% below its 10-year median of 194.72. GuruFocus rates PFSI with a GF Score™ of 71/100 and a GF Value™ of $137.55 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 33 Banks companies, PennyMac Financial Services ranks better than 81.82% on this metric.
* 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.
For the Mortgage Finance subindustry, PennyMac Financial Services's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's Days Payable distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's Days Payable falls into.
PennyMac Financial Services Days Payable Calculation
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
* 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 (PFSI) has a Days Payable of 119.19 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on PennyMac Financial Services and its competitors. This is 39% below median its historical median of 194.72. Over the past decade, PennyMac Financial Services' Days Payable has ranged from 107.09 to 539.16. According to the industry distribution chart, PennyMac Financial Services ranks #6 out of 33 companies in the Banks industry, placing it in the top 18.2%.
Is PennyMac Financial Services' Days Payable too high?
PennyMac Financial Services' current Days Payable of 119.19 is 39% below median its 10-year median of 194.72. Over the past 10 years, this metric has ranged from a low of 107.09 to a high of 539.16. The Banks industry median Days Payable is 32.94. PennyMac Financial Services' value of 119.19 is 261.8% above this industry median. Based on the distribution chart, PennyMac Financial Services ranks #6 out of 33 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Days Payable compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #6 out of 33 companies for Days Payable. This places PennyMac Financial Services in the top 18% of its industry — outperforming the majority of peers. The industry median Days Payable is 32.94. PennyMac Financial Services' value of 119.19 is 261.8% above this benchmark. Historically, PennyMac Financial Services' own Days Payable has ranged from 107.09 to 539.16 over the past decade. While the company's 10-year median is 194.72 vs. the industry median of 32.94, PennyMac Financial Services has consistently been above 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 Days Payable for a Banks company?
The median Days Payable among Banks companies is 32.94, based on 33 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PennyMac Financial Services's current Days Payable of 119.19 is 261.8% above 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on PennyMac Financial Services and its competitors. For the Banks industry, the median Days Payable is 32.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current Days Payable is 119.19, which is 39% below median its own 10-year median of 194.72. 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 $137.55, compared to a current price of $83.83 — trading 39.1% below its estimated fair value. The current Days Payable is 119.19, which is 39% below median its 10-year median of 194.72 and 261.8% above the Banks industry median of 32.94. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current Days Payable is 119.19 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 $83.83 is trading 39.1% below its estimated GF Value™ of $137.55.
GuruFocus considers PennyMac Financial Services to be Possible Value Trap.
Key valuation signals for PFSI:
Days Payable: 119.19 (39% below median its 10-year median of 194.72)
GF Value™: $137.55 vs. price of $83.83 (39.1% below fair value)
Industry Position: 261.8% above the Banks median (#6 of 33)
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.
71GF Score
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