PFSI (PennyMac Financial Services) Growth Rank: 8 (As of Jul. 18, 2026) — Near Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PFSI PennyMac Financial Services Inc PFSI
66 GF Score
Price $85.29
GF Value $130.12
Valuation Possible Value Trap
! 7 Warning Signs
View Full Analysis

What is PennyMac Financial Services Growth Rank?

PennyMac Financial Services PFSI -1.76% 66 Growth Rank is 8 as of Jul. 18, 2026, which is at its 10-year median of 8.00. GuruFocus rates PFSI with a GF Score™ of 66/100 and a GF Value™ of $130.12 (Possible Value Trap). The stock has 7 warning signs investors should review.

PennyMac Financial Services has the Growth Rank of 8.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

PennyMac Financial Services Growth Rank Related Terms

PFSI vs FMCC, WD, FNMA: Growth Rank Comparison

For the Mortgage Finance subindustry, PennyMac Financial Services's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, PennyMac Financial Services's Growth Rank distribution charts can be found below:

* The bar in red indicates where PennyMac Financial Services's Growth Rank falls into.


PFSI
66GF Score
PennyMac Financial Services Inc PFSI
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 8 mean?
PennyMac Financial Services (PFSI) has a Growth Rank of 8 as of Jul. 18, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on PennyMac Financial Services and its competitors. This is near median its historical median of 8.00. Over the past decade, PennyMac Financial Services' Growth Rank has ranged from 2.00 to 10.00.
Is PennyMac Financial Services' Growth Rank too high?
PennyMac Financial Services' current Growth Rank of 8 is near median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 10.00. 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' Growth Rank compare to FMCC and WD?
PennyMac Financial Services' Growth Rank of 8 can be compared against companies in the Banks industry. Historically, PennyMac Financial Services' own Growth Rank has ranged from 2.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on PennyMac Financial Services and its competitors. PennyMac Financial Services's current Growth Rank is 8, which is near median its own 10-year median of 8.00. 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 $130.12, compared to a current price of $85.29 — trading 34.5% below its estimated fair value. The current Growth Rank is 8, which is near median its 10-year median of 8.00. 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 Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current Growth Rank is 8 as of Jul. 18, 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 $85.29 is trading 34.5% below its estimated GF Value™ of $130.12. GuruFocus considers PennyMac Financial Services to be Possible Value Trap.

Key valuation signals for PFSI:

  • Growth Rank: 8 (near median its 10-year median of 8.00)
  • GF Value™: $130.12 vs. price of $85.29 (34.5% below fair value)
  • GF Score™: 66/100 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.
66GF Score

Get the complete analysis for PFSI

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$85.29
Price
$130.12
GF Value