EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
PennyMac Financial Services EBITDA Margin % Related Terms
PennyMac Financial Services EBITDA Margin % Historical Data
* 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.
FRA:1AC vs FMCC, WD, UWMC: EBITDA Margin % Comparison
For the Mortgage Finance subindustry, PennyMac Financial Services's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's EBITDA Margin % falls into.
* 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 (FRA:1AC) has a EBITDA Margin % of 12.66% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on PennyMac Financial Services and its competitors. This is 61% below median its historical median of 32.43. Over the past decade, PennyMac Financial Services' EBITDA Margin % has ranged from 12.44 to 67.97. According to the industry distribution chart, PennyMac Financial Services ranks #29 out of 48 companies in the Banks industry, placing it in the top 60.4%.
Is PennyMac Financial Services' EBITDA Margin % too high?
PennyMac Financial Services' current EBITDA Margin % of 12.66% is 61% below median its 10-year median of 32.43. Over the past 10 years, this metric has ranged from a low of 12.44 to a high of 67.97. The Banks industry median EBITDA Margin % is 20.82. PennyMac Financial Services' value of 12.66% is 39.2% below this industry median. Based on the distribution chart, PennyMac Financial Services ranks #29 out of 48 companies in the Banks industry, which is below the industry midpoint. Overall, PennyMac Financial Services has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' EBITDA Margin % compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #29 out of 48 companies for EBITDA Margin %. This places PennyMac Financial Services in the lower half of its industry. The industry median EBITDA Margin % is 20.82. PennyMac Financial Services' value of 12.66% is 39.2% below this benchmark. Historically, PennyMac Financial Services' own EBITDA Margin % has ranged from 12.44 to 67.97 over the past decade. While the company's 10-year median is 32.43 vs. the industry median of 20.82, 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 EBITDA Margin % for a Banks company?
The median EBITDA Margin % among Banks companies is 20.82, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PennyMac Financial Services's current EBITDA Margin % of 12.66% is 39.2% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on PennyMac Financial Services and its competitors. For the Banks industry, the median EBITDA Margin % is 20.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current EBITDA Margin % is 12.66%, which is 61% below median its own 10-year median of 32.43. 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 EBITDA Margin % of 12.66%. The stock's GF Value™ is €114.69, compared to a current price of €69.50 — trading 39.4% below its estimated fair value. The current EBITDA Margin % is 12.66%, which is 61% below median its 10-year median of 32.43 and 39.2% below the Banks industry median of 20.82. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For PennyMac Financial Services (FRA:1AC), the current EBITDA Margin % is 12.66% 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 €69.50 is trading 39.4% below its estimated GF Value™ of €114.69.
Key valuation signals for FRA:1AC:
EBITDA Margin %: 12.66% (61% below median its 10-year median of 32.43)
GF Value™: €114.69 vs. price of €69.50 (39.4% below fair value)
Industry Position: 39.2% below the Banks median (#29 of 48)
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 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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