PennyMac Financial Services Inc
Research PennyMac Financial Services Inc (PFSI) on Bullrun: valuation model: 42.3% undervalued, market cap USD 3.85B, P/E 10.2, dividend yield 1.6%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerPFSI
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryMortgage Finance
- CurrencyUSD
- Valuation signal42.3% undervalued
- Market capUSD 3.85B
- P/E10.2
- Dividend yield1.6%
- Financial periodQ2 2026
- RevenueUSD 972.18M
- Net incomeUSD 21.73M
- Free cash flowUSD 2.13B
- Gross margin43.5%
Valuation Snapshot
Bullrun's latest valuation model marks PennyMac Financial Services Inc as 42.3% undervalued; latest market cap is USD 3.85B; P/E is 10.2; dividend yield is 1.6%.
Peer valuation comparison
Latest P/E is 10.19x versus a Financial Services sector median of 13.84x (26.3% below).
Latest dividend yield is 1.63% versus a Financial Services sector median of 3.86% (57.7% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 20.11M | USD 501.00M | -USD 1.66B | 16398.2% | 9.3 | USD 301.68M | USD 6.23B | USD 4.31B |
| FY2024 | USD 26.87M | USD 311.00M | -USD 4.53B | 3970.6% | 5.84 | USD 238.48M | USD 5.26B | USD 3.83B |
| FY2023 | USD 13.40M | USD 145.00M | -USD 1.58B | 8499.4% | 2.74 | USD 938.37M | USD 4.43B | USD 3.54B |
| FY2022 | USD 12.39M | USD 476.00M | USD 6.03B | n/a | 8.5 | USD 1.33B | USD 3.75B | USD 3.47B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 3.85B | 10.2 | 1.6% | 1.2 |
| 2025 | 2025-12-31 | USD 6.86B | 14.2 | 0.9% | 1.2 |
| 2024 | 2024-12-31 | USD 5.25B | 17.5 | 1.0% | 1 |
| 2023 | 2023-12-29 | USD 4.41B | 21.2 | 0.9% | 0.8 |
| 2022 | 2022-12-30 | USD 2.84B | 5.4 | 1.4% | 0.8 |
| 2021 | 2021-12-31 | USD 3.97B | 4.8 | 1.1% | 0.8 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.2 USD, yield 1.6%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.2 USD |
| FY2024 | 1 USD |
| FY2023 | 0.8 USD |
| FY2022 | 0.8 USD |
About PennyMac Financial Services Inc
PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment also sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending.
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Frequently asked questions
Is PennyMac Financial Services Inc overvalued or undervalued?
Bullrun's valuation model currently marks PennyMac Financial Services Inc as 42.3% undervalued.
What is PennyMac Financial Services Inc's market cap?
PennyMac Financial Services Inc's market capitalization is USD 3.85B.
What is PennyMac Financial Services Inc's P/E ratio?
PennyMac Financial Services Inc's price-to-earnings (P/E) ratio is 10.2.
Does PennyMac Financial Services Inc pay a dividend?
PennyMac Financial Services Inc has a dividend yield of 1.6%.
What does PennyMac Financial Services Inc do?
PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment also sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending.