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PennyMac Financial ServicesPFSI +1.80%71 EV-to-EBITDA is 47.58 as of Jul. 16, 2026, which is 167% above its 10-year median of 17.85. GuruFocus rates PFSI with a GF Score™ of 71/100 and a GF Value™ of $130.73 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 35 Banks companies, PennyMac Financial Services ranks worse than 88.57% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, PennyMac Financial Services's enterprise value is $29,564 Mil.
PennyMac Financial Services's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $621 Mil. Therefore, PennyMac Financial Services's EV-to-EBITDA for today is 47.58.
The historical rank and industry rank for PennyMac Financial Services's EV-to-EBITDA or its related term are showing as below:
PFSI'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.52 Med: 17.85 Max: 54.54
Current: 47.58
During the past 13 years, the highest EV-to-EBITDA of PennyMac Financial Services was 54.54. The lowest was 7.52. And the median was 17.85.
PFSI's EV-to-EBITDA is ranked worse than 88.57% of 35
companies
in the Banks industry
Industry Median: 16.79
vs PFSI: 47.58
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PennyMac Financial Services's PE Ratio (TTM) for today is calculated as:
PennyMac Financial Services's share price for today is $86.51.
PennyMac Financial Services's Earnings per Share (Diluted) 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 $9.410.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's EV-to-EBITDA falls into.
PennyMac Financial Services's current Enterprise Value is $29,564 Mil.
PennyMac Financial Services's EBITDA 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 $621 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 (PFSI) has a EV-to-EBITDA of 47.58 as of Jul. 16, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PennyMac Financial Services. This is 167% above median its historical median of 17.85. Over the past decade, PennyMac Financial Services' EV-to-EBITDA has ranged from 7.52 to 54.54. According to the industry distribution chart, PennyMac Financial Services ranks #31 out of 35 companies in the Banks industry, placing it in the top 88.6%.
Is PennyMac Financial Services' EV-to-EBITDA too high?
PennyMac Financial Services' current EV-to-EBITDA of 47.58 is 167% above median its 10-year median of 17.85. Over the past 10 years, this metric has ranged from a low of 7.52 to a high of 54.54. The Banks industry median EV-to-EBITDA is 16.79. PennyMac Financial Services' value of 47.58 is 183.4% above this industry median. Based on the distribution chart, PennyMac Financial Services ranks #31 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 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' EV-to-EBITDA compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #31 out of 35 companies for EV-to-EBITDA. This places PennyMac Financial Services in the lower half of its industry. The industry median EV-to-EBITDA is 16.79. PennyMac Financial Services' value of 47.58 is 183.4% above this benchmark. Historically, PennyMac Financial Services' own EV-to-EBITDA has ranged from 7.52 to 54.54 over the past decade. While the company's 10-year median is 17.85 vs. the industry median of 16.79, 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-EBITDA for a Banks company?
The median EV-to-EBITDA among Banks companies is 16.79, based on 35 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PennyMac Financial Services's current EV-to-EBITDA of 47.58 is 183.4% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PennyMac Financial Services. For the Banks industry, the median EV-to-EBITDA is 16.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current EV-to-EBITDA is 47.58, which is 167% above median its own 10-year median of 17.85. 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 $130.73, compared to a current price of $86.51 — trading 33.8% below its estimated fair value. The current EV-to-EBITDA is 47.58, which is 167% above median its 10-year median of 17.85 and 183.4% above the Banks industry median of 16.79. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current EV-to-EBITDA is 47.58 as of Jul. 16, 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 $86.51 is trading 33.8% below its estimated GF Value™ of $130.73.
GuruFocus considers PennyMac Financial Services to be Possible Value Trap.
Key valuation signals for PFSI:
EV-to-EBITDA: 47.58 (167% above median its 10-year median of 17.85)
GF Value™: $130.73 vs. price of $86.51 (33.8% below fair value)
Industry Position: 183.4% above the Banks median (#31 of 35)
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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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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