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The historical rank and industry rank for PennyMac Financial Services's EV-to-OCF or its related term are showing as below:
PFSI'
s EV-to-OCF Range Over the Past 10 Years
Min: -68.79 Med: -6.77 Max: 38.62
Current: -7.24
During the past 13 years, the highest EV-to-OCF of PennyMac Financial Services was 38.62. The lowest was -68.79. And the median was -6.77.
PFSI's EV-to-OCF is ranked better than 86.51% of 1497
companies
in the Banks industry
Industry Median: 3.75
vs PFSI: -7.24
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $83.58.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PennyMac Financial Services EV-to-OCF Related Terms
PennyMac Financial Services EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's EV-to-OCF falls into.
PennyMac Financial Services's current Enterprise Value is $29,412 Mil.
PennyMac Financial Services's Cash Flow from Operations 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 $-4,060 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-OCF of -7.24 as of Jul. 21, 2026. According to the industry distribution chart, PennyMac Financial Services ranks #202 out of 1497 companies in the Banks industry, placing it in the top 13.5%.
Is PennyMac Financial Services' EV-to-OCF too high?
PennyMac Financial Services' current EV-to-OCF is -7.24. Based on the distribution chart, PennyMac Financial Services ranks #202 out of 1497 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 66/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' EV-to-OCF compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #202 out of 1497 companies for EV-to-OCF. This places PennyMac Financial Services in the top 14% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 3.75. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.75, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current EV-to-OCF is -7.24. 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 $129.21, compared to a current price of $83.58 — trading 35.3% below its estimated fair value. The current EV-to-OCF is -7.24. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current EV-to-OCF is -7.24 as of Jul. 21, 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 $83.58 is trading 35.3% below its estimated GF Value™ of $129.21.
GuruFocus considers PennyMac Financial Services to be Possible Value Trap.
Key valuation signals for PFSI:
EV-to-OCF: -7.24
GF Value™: $129.21 vs. price of $83.58 (35.3% 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
Get the complete analysis for PFSI
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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