PFSI (PennyMac Financial Services) EPS (Basic): $9.78 (TTM As of Mar. 2026)


PFSI PennyMac Financial Services Inc PFSI
71 GF Score
Price $84.76
GF Value $137.55
Valuation Possible Value Trap
! 7 Warning Signs
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What is PennyMac Financial Services EPS (Basic)?

PennyMac Financial Services PFSI +1.69% 71 EPS (Basic) is $9.78 as of Mar. 2026. GuruFocus rates PFSI with a GF Score™ of 71/100 and a GF Value™ of $137.55 (Possible Value Trap). The stock has 7 warning signs investors should review.

PennyMac Financial Services's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was $1.58. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was $9.78.

PennyMac Financial Services's EPS (Diluted) for the three months ended in Mar. 2026 was $1.53. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $9.41.

PennyMac Financial Services's EPS without NRI for the three months ended in Mar. 2026 was $1.53. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was 9.41.

During the past 12 months, PennyMac Financial Services's average EPS without NRIGrowth Rate was 44.00% per year. During the past 3 years, the average EPS without NRI Growth Rate was 1.90% per year. During the past 5 years, the average EPS without NRI Growth Rate was -19.00% per year. During the past 10 years, the average EPS without NRI Growth Rate was 13.90% 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 EPS without NRI Growth Rate using EPS without NRI data.

During the past 13 years, PennyMac Financial Services's highest 3-Year average EPS without NRI Growth Rate was 264.00% per year. The lowest was -41.20% per year. And the median was 18.50% per year.

PennyMac Financial Services  (NYSE:PFSI) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

PennyMac Financial Services EPS (Basic) Related Terms

PennyMac Financial Services EPS (Basic) Historical Data

* Premium members only.

The historical data trend for PennyMac Financial Services's EPS (Basic) can be seen below:

* 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 EPS (Basic) Chart

PennyMac Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS (Basic)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.73 8.96 2.89 6.11 9.69

PennyMac Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.48 2.64 3.51 2.05 1.58
PFSI
71GF Score
PennyMac Financial Services Inc PFSI
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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PennyMac Financial Services EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

PennyMac Financial Services's Basic EPS for the fiscal year that ended in Dec. 2025 is calculated as

Basic EPS (A: Dec. 2025 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(501.077-0)/51.728
=9.69

PennyMac Financial Services's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(82.322-0)/52.132
=1.58

EPS (Basic) 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 $9.78

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of $9.78 mean?
PennyMac Financial Services (PFSI) has a EPS (Basic) of $9.78 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on PennyMac Financial Services and its competitors.
Is PennyMac Financial Services' EPS (Basic) too high?
PennyMac Financial Services' current EPS (Basic) is $9.78. 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' EPS (Basic) compare to FMCC and WD?
PennyMac Financial Services' EPS (Basic) of $9.78 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) 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 EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on PennyMac Financial Services and its competitors. PennyMac Financial Services's current EPS (Basic) is $9.78. 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 $137.55, compared to a current price of $84.76 — trading 38.4% below its estimated fair value. The current EPS (Basic) is $9.78. 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 EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current EPS (Basic) is $9.78 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 $84.76 is trading 38.4% below its estimated GF Value™ of $137.55. GuruFocus considers PennyMac Financial Services to be Possible Value Trap.

Key valuation signals for PFSI:

  • EPS (Basic): $9.78
  • GF Value™: $137.55 vs. price of $84.76 (38.4% below fair value)
  • GF Score™: 71/100 with 7 warning signs

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 Business Description

Address 3043 Townsgate Road, Suite 200, Westlake Village, CA, USA, 91361
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

Get the complete analysis for PFSI

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$84.76
Price
$137.55
GF Value