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This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
PennyMac Financial Services's Enterprise Value for the quarter that ended in Mar. 2026 was €25,529 Mil.
PennyMac Financial Services's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €432 Mil.
* 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 EV-to-EBIT Related Terms
PennyMac Financial Services EV-to-EBIT 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.
For the Mortgage Finance subindustry, PennyMac Financial Services's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's EV-to-EBIT falls into.
PennyMac Financial Services's current Enterprise Value is €23,304 Mil.
PennyMac Financial Services's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €432 Mil.
* 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 EV-to-EBIT of 53.93 as of Aug. 03, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on PennyMac Financial Services and its competitors. This is 171% above median its historical median of 19.92. Over the past decade, PennyMac Financial Services' EV-to-EBIT has ranged from 9.84 to 63.97. According to the industry distribution chart, PennyMac Financial Services ranks #29 out of 35 companies in the Banks industry, placing it in the top 82.9%.
Is PennyMac Financial Services' EV-to-EBIT too high?
PennyMac Financial Services' current EV-to-EBIT of 53.93 is 171% above median its 10-year median of 19.92. Over the past 10 years, this metric has ranged from a low of 9.84 to a high of 63.97. The Banks industry median EV-to-EBIT is 26.46. PennyMac Financial Services' value of 53.93 is 103.8% above this industry median. Based on the distribution chart, PennyMac Financial Services ranks #29 out of 35 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PennyMac Financial Services has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' EV-to-EBIT compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #29 out of 35 companies for EV-to-EBIT. This places PennyMac Financial Services in the lower half of its industry. The industry median EV-to-EBIT is 26.46. PennyMac Financial Services' value of 53.93 is 103.8% above this benchmark. Historically, PennyMac Financial Services' own EV-to-EBIT has ranged from 9.84 to 63.97 over the past decade. While the company's 10-year median is 19.92 vs. the industry median of 26.46, 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 EV-to-EBIT for a Banks company?
The median EV-to-EBIT among Banks companies is 26.46, based on 35 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PennyMac Financial Services's current EV-to-EBIT of 53.93 is 103.8% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on PennyMac Financial Services and its competitors. For the Banks industry, the median EV-to-EBIT is 26.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current EV-to-EBIT is 53.93, which is 171% above median its own 10-year median of 19.92. 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 EV-to-EBIT of 53.93. The stock's GF Value™ is €105.95, compared to a current price of €64.00 — trading 39.6% below its estimated fair value. The current EV-to-EBIT is 53.93, which is 171% above median its 10-year median of 19.92 and 103.8% above the Banks industry median of 26.46. PennyMac Financial Services' overall GF Score™ is 72/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For PennyMac Financial Services (FRA:1AC), the current EV-to-EBIT is 53.93 as of Aug. 03, 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 €64.00 is trading 39.6% below its estimated GF Value™ of €105.95.
Key valuation signals for FRA:1AC:
EV-to-EBIT: 53.93 (171% above median its 10-year median of 19.92)
GF Value™: €105.95 vs. price of €64.00 (39.6% below fair value)
Industry Position: 103.8% above the Banks median (#29 of 35)
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.
72GF Score
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