PennyMac Financial ServicesPFSI +3.88%71 Dividend Payout Ratio is 0.20 as of Mar. 2026, which is 122% above its 10-year median of 0.09. 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. Among 1,169 Banks companies, PennyMac Financial Services ranks better than 90.59% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. PennyMac Financial Services's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.20.
The historical rank and industry rank for PennyMac Financial Services's Dividend Payout Ratio or its related term are showing as below:
PFSI'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.03 Med: 0.09 Max: 0.17
Current: 0.13
During the past 13 years, the highest Dividend Payout Ratio of PennyMac Financial Services was 0.17. The lowest was 0.03. And the median was 0.09.
PFSI's Dividend Payout Ratio is ranked better than 90.59% of 1169
companies
in the Banks industry
Industry Median: 0.32
vs PFSI: 0.13
During the past 13 years, the highest Trailing Annual Dividend Yield of PennyMac Financial Services was 1.95%. The lowest was 0.31%. And the median was 1.05%.
During the past 12 months, PennyMac Financial Services's average Dividends Per Share Growth Rate was 9.10% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 14.50% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 14.30% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of PennyMac Financial Services was 88.20% per year. The lowest was 7.70% per year. And the median was 14.25% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
PennyMac Financial Services (NYSE:PFSI) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
PennyMac Financial Services Dividend Payout Ratio Related Terms
PennyMac Financial Services Dividend Payout Ratio 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.
PennyMac Financial Services Dividend Payout Ratio Chart
PFSI vs FMCC, WD, UWMC: Dividend Payout Ratio Comparison
For the Mortgage Finance subindustry, PennyMac Financial Services's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's Dividend Payout Ratio falls into.
PennyMac Financial Services Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
PennyMac Financial Services's Dividend Payout 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 Dividend Payout Ratio of 0.20 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PennyMac Financial Services and its competitors. This is 122% above median its historical median of 0.09. Over the past decade, PennyMac Financial Services' Dividend Payout Ratio has ranged from 0.03 to 0.17. According to the industry distribution chart, PennyMac Financial Services ranks #110 out of 1169 companies in the Banks industry, placing it in the top 9.4%.
Is PennyMac Financial Services' Dividend Payout Ratio too high?
PennyMac Financial Services' current Dividend Payout Ratio of 0.20 is 122% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.17. The Banks industry median Dividend Payout Ratio is 0.32. PennyMac Financial Services' value of 0.20 is 37.5% below this industry median. Based on the distribution chart, PennyMac Financial Services ranks #110 out of 1169 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' Dividend Payout Ratio compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #110 out of 1169 companies for Dividend Payout Ratio. This places PennyMac Financial Services in the top 9% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. PennyMac Financial Services' value of 0.20 is 37.5% below this benchmark. Historically, PennyMac Financial Services' own Dividend Payout Ratio has ranged from 0.03 to 0.17 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.32, PennyMac Financial Services has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PennyMac Financial Services's current Dividend Payout Ratio of 0.20 is 37.5% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PennyMac Financial Services and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current Dividend Payout Ratio is 0.20, which is 122% above median its own 10-year median of 0.09. 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 $83.35 — trading 39.4% below its estimated fair value. The current Dividend Payout Ratio is 0.20, which is 122% above median its 10-year median of 0.09 and 37.5% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current Dividend Payout Ratio is 0.20 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 $83.35 is trading 39.4% below its estimated GF Value™ of $137.55.
GuruFocus considers PennyMac Financial Services to be Possible Value Trap.
Key valuation signals for PFSI:
Dividend Payout Ratio: 0.20 (122% above median its 10-year median of 0.09)
GF Value™: $137.55 vs. price of $83.35 (39.4% below fair value)
Industry Position: 37.5% below the Banks median (#110 of 1169)
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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