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During the past 12 months, PennyMac Financial Services's average EBITDA Per Share Growth Rate was 15.90% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was -4.50% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was -19.70% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 2.00% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of PennyMac Financial Services was 91.80% per year. The lowest was -35.10% per year. And the median was 5.40% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
PennyMac Financial Services 3-Year EBITDA Growth Rate Related Terms
PFSI vs FMCC, WD, FNMA: 3-Year EBITDA Growth Rate Comparison
For the Mortgage Finance subindustry, PennyMac Financial Services's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of -4.50% mean?
PennyMac Financial Services (PFSI) has a 3-Year EBITDA Growth Rate of -4.50% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for PennyMac Financial Services and its competitors. According to the industry distribution chart, PennyMac Financial Services ranks #31 out of 43 companies in the Banks industry, placing it in the top 72.1%.
Is PennyMac Financial Services' 3-Year EBITDA Growth Rate too high?
PennyMac Financial Services' current 3-Year EBITDA Growth Rate is -4.50%. Based on the distribution chart, PennyMac Financial Services ranks #31 out of 43 companies in the Banks industry, which is below the industry midpoint. Overall, PennyMac Financial Services has a GF Score™ of 66/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' 3-Year EBITDA Growth Rate compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #31 out of 43 companies for 3-Year EBITDA Growth Rate. This places PennyMac Financial Services in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 8.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Banks company?
The median 3-Year EBITDA Growth Rate among Banks companies is 8.50, based on 43 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for PennyMac Financial Services and its competitors. For the Banks industry, the median 3-Year EBITDA Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current 3-Year EBITDA Growth Rate is -4.50%. 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 $128.60, compared to a current price of $82.73 — trading 35.7% below its estimated fair value. The current 3-Year EBITDA Growth Rate is -4.50%. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current 3-Year EBITDA Growth Rate is -4.50% 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 $82.73 is trading 35.7% below its estimated GF Value™ of $128.60.
GuruFocus considers PennyMac Financial Services to be Possible Value Trap.
Key valuation signals for PFSI:
3-Year EBITDA Growth Rate: -4.50%
GF Value™: $128.60 vs. price of $82.73 (35.7% below fair value)
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.
66GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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