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PennyMac Financial ServicesPFSI -1.82%72 Shiller PE Ratio is 8.33 as of Aug. 15, 2026, which is 15% below its 10-year median of 9.79. GuruFocus rates PFSI with a GF Score™ of 72/100 and a GF Value™ of $133.29 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 1,242 Banks companies, PennyMac Financial Services ranks better than 81.4% on this metric.
The historical rank and industry rank for PennyMac Financial Services's Shiller PE Ratio or its related term are showing as below:
PFSI'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.01 Med: 9.79 Max: 17.68
Current: 8.33
During the past years, PennyMac Financial Services's highest Shiller PE Ratio was 17.68. The lowest was 5.01. And the median was 9.79.
PFSI's Shiller PE Ratio is ranked better than 81.4% of 1242
companies
in the Banks industry
Industry Median: 14.01
vs PFSI: 8.33
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
PennyMac Financial Services's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.410. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $9.37 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
PennyMac Financial Services (NYSE:PFSI) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
PennyMac Financial Services Shiller PE Ratio Related Terms
PennyMac Financial Services Shiller PE 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 Shiller PE Ratio Chart
PFSI vs FMCC, WD, FNMA: Shiller PE Ratio Comparison
For the Mortgage Finance subindustry, PennyMac Financial Services's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PennyMac Financial Services's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where PennyMac Financial Services's Shiller PE Ratio falls into.
PennyMac Financial Services Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
PennyMac Financial Services (PFSI) has a Shiller PE Ratio of 8.33 as of Aug. 15, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on PennyMac Financial Services and its competitors. This is 15% below median its historical median of 9.79. Over the past decade, PennyMac Financial Services' Shiller PE Ratio has ranged from 5.01 to 17.68. According to the industry distribution chart, PennyMac Financial Services ranks #231 out of 1242 companies in the Banks industry, placing it in the top 18.6%.
Is PennyMac Financial Services' Shiller PE Ratio too high?
PennyMac Financial Services' current Shiller PE Ratio of 8.33 is 15% below median its 10-year median of 9.79. Over the past 10 years, this metric has ranged from a low of 5.01 to a high of 17.68. The Banks industry median Shiller PE Ratio is 14.01. PennyMac Financial Services' value of 8.33 is 40.5% below this industry median. Based on the distribution chart, PennyMac Financial Services ranks #231 out of 1242 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 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' Shiller PE Ratio compare to FMCC and WD?
According to the Banks industry distribution chart, PennyMac Financial Services ranks #231 out of 1242 companies for Shiller PE Ratio. This places PennyMac Financial Services in the top 19% of its industry — outperforming the majority of peers. The industry median Shiller PE Ratio is 14.01. PennyMac Financial Services' value of 8.33 is 40.5% below this benchmark. Historically, PennyMac Financial Services' own Shiller PE Ratio has ranged from 5.01 to 17.68 over the past decade. While the company's 10-year median is 9.79 vs. the industry median of 14.01, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 14.01, based on 1,242 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PennyMac Financial Services's current Shiller PE Ratio of 8.33 is 40.5% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on PennyMac Financial Services and its competitors. For the Banks industry, the median Shiller PE Ratio is 14.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PennyMac Financial Services's current Shiller PE Ratio is 8.33, which is 15% below median its own 10-year median of 9.79. 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 $133.29, compared to a current price of $78.03 — trading 41.5% below its estimated fair value. The current Shiller PE Ratio is 8.33, which is 15% below median its 10-year median of 9.79 and 40.5% below the Banks industry median of 14.01. PennyMac Financial Services' overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current Shiller PE Ratio is 8.33 as of Aug. 15, 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 $78.03 is trading 41.5% below its estimated GF Value™ of $133.29.
GuruFocus considers PennyMac Financial Services to be Possible Value Trap.
Key valuation signals for PFSI:
Shiller PE Ratio: 8.33 (15% below median its 10-year median of 9.79)
GF Value™: $133.29 vs. price of $78.03 (41.5% below fair value)
Industry Position: 40.5% below the Banks median (#231 of 1242)
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.
72GF Score
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