PennyMac Financial Services has a quick ratio of 1.71. It generally indicates good short-term financial strength.
The historical rank and industry rank for PennyMac Financial Services's Quick Ratio or its related term are showing as below:
PFSI'
s Quick Ratio Range Over the Past 10 Years
Min: 1.12 Med: 1.66 Max: 4.06
Current: 1.71
During the past 13 years, PennyMac Financial Services's highest Quick Ratio was 4.06. The lowest was 1.12. And the median was 1.66.
PFSI's Quick Ratio is ranked worse than 57.45% of 47
companies
in the Banks industry
Industry Median: 4.82
vs PFSI: 1.71
PennyMac Financial Services (NYSE:PFSI) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
PennyMac Financial Services Quick Ratio Related Terms
PennyMac Financial Services Quick 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.
For the Mortgage Finance subindustry, PennyMac Financial Services's Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's Quick Ratio distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's Quick Ratio falls into.
PennyMac Financial Services Quick Ratio Calculation
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
* 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 Quick Ratio of 1.71 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on PennyMac Financial Services and its competitors. This is near median its historical median of 1.66. Over the past decade, PennyMac Financial Services' Quick Ratio has ranged from 1.12 to 4.06. According to the industry distribution chart, PennyMac Financial Services ranks #27 out of 47 companies in the Banks industry, placing it in the top 57.4%.
Is PennyMac Financial Services' Quick Ratio too high?
PennyMac Financial Services' current Quick Ratio of 1.71 is near median its 10-year median of 1.66. Over the past 10 years, this metric has ranged from a low of 1.12 to a high of 4.06. The Banks industry median Quick Ratio is 4.82. PennyMac Financial Services' value of 1.71 is 64.5% below this industry median. Based on the distribution chart, PennyMac Financial Services ranks #27 out of 47 companies in the Banks industry, which is below the industry midpoint. 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' Quick Ratio compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #27 out of 47 companies for Quick Ratio. This places PennyMac Financial Services in the lower half of its industry. The industry median Quick Ratio is 4.82. PennyMac Financial Services' value of 1.71 is 64.5% below this benchmark. Historically, PennyMac Financial Services' own Quick Ratio has ranged from 1.12 to 4.06 over the past decade. While the company's 10-year median is 1.66 vs. the industry median of 4.82, 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 Quick Ratio for a Banks company?
The median Quick Ratio among Banks companies is 4.82, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PennyMac Financial Services's current Quick Ratio of 1.71 is 64.5% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on PennyMac Financial Services and its competitors. For the Banks industry, the median Quick Ratio is 4.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current Quick Ratio is 1.71, which is near median its own 10-year median of 1.66. 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 Quick Ratio is 1.71, which is near median its 10-year median of 1.66 and 64.5% below the Banks industry median of 4.82. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current Quick Ratio is 1.71 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:
Quick Ratio: 1.71 (near median its 10-year median of 1.66)
GF Value™: $137.55 vs. price of $83.35 (39.4% below fair value)
Industry Position: 64.5% below the Banks median (#27 of 47)
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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