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PennyMac Financial ServicesPFSI +2.11%71 Equity-to-Asset is 0.14 as of Mar. 2026, which is 18% below its 10-year median of 0.17. GuruFocus rates PFSI with a GF Score™ of 71/100 and a GF Value™ of $128.29 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 1,521 Banks companies, PennyMac Financial Services ranks better than 83.23% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
PennyMac Financial Services Equity-to-Asset Related Terms
PennyMac Financial Services Equity-to-Asset 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.
PFSI vs FMCC, WD, FNMA: Equity-to-Asset Comparison
For the Mortgage Finance subindustry, PennyMac Financial Services's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
PennyMac Financial Services's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.14 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PennyMac Financial Services and its competitors. This is 18% below median its historical median of 0.17. Over the past decade, PennyMac Financial Services' Equity-to-Asset has ranged from 0.06 to 0.24. According to the industry distribution chart, PennyMac Financial Services ranks #255 out of 1521 companies in the Banks industry, placing it in the top 16.8%.
Is PennyMac Financial Services' Equity-to-Asset too high?
PennyMac Financial Services' current Equity-to-Asset of 0.14 is 18% below median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.24. The Banks industry median Equity-to-Asset is 0.10. PennyMac Financial Services' value of 0.14 is 40% above this industry median. Based on the distribution chart, PennyMac Financial Services ranks #255 out of 1521 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 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' Equity-to-Asset compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #255 out of 1521 companies for Equity-to-Asset. This places PennyMac Financial Services in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. PennyMac Financial Services' value of 0.14 is 40% above this benchmark. Historically, PennyMac Financial Services' own Equity-to-Asset has ranged from 0.06 to 0.24 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PennyMac Financial Services's current Equity-to-Asset of 0.14 is 40% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PennyMac Financial Services and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current Equity-to-Asset is 0.14, which is 18% below median its own 10-year median of 0.17. 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 $128.29, compared to a current price of $84.35 — trading 34.3% below its estimated fair value. The current Equity-to-Asset is 0.14, which is 18% below median its 10-year median of 0.17 and 40% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current Equity-to-Asset is 0.14 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 $84.35 is trading 34.3% below its estimated GF Value™ of $128.29.
GuruFocus considers PennyMac Financial Services to be Possible Value Trap.
Key valuation signals for PFSI:
Equity-to-Asset: 0.14 (18% below median its 10-year median of 0.17)
GF Value™: $128.29 vs. price of $84.35 (34.3% below fair value)
Industry Position: 40% above the Banks median (#255 of 1521)
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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