PennyMac Financial Services Inc risk profile
27 Normal where most of the sector sits
Measured 22 September 2026 from PFSI's filed statements. Recomputed nightly.
27 (Normal), driven by Market expectation at 68, over 3 weighted categories on the BANK_INSURER profile.
What is measured
| Mechanism | Reading | Band | Direction | Driver |
|---|---|---|---|---|
| Market expectation | 68 | Stretched | Volatile | Drawdown from the 52-week high — 58.4% |
| Operating pressure | Reads cost_of_revenue, operating_expense, operating_income and revenue. No reading is stored for this company. | |||
| Cash conversion | Reads operating_cashflow, capital_expenditure, free_cashflow, net_income and revenue. No reading is stored for this company. | |||
| Leverage and coverage | Reads total_debt, cash_and_cash_equivalents, ebitda, interest_expense, total_current_assets, total_current_liabilities and a disclosed CET1 ratio, for a bank or insurer. No reading is stored for this company. | |||
| Competitive position | 9 | Contained | Stable | Revenue-growth gap against peers — +34.5 percentage points |
| Concentration | 14 | Contained | Stable | Customer concentration — 81 HHI |
These are descriptive readings of disclosed mechanisms, not investment advice, and not a prediction. A band says where a measured input sits, never what to do about it or what happens next.
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Financials, valuation and price history for PennyMac Financial Services Inc