PennyMac Financial Services stock
PFSINYSEPennyMac Financial Services, Inc., Financial ServicesISIN US70932M1071
51Score 51 out of 100, Neutral
Price and trend
40 / 100
Price history
−53% in one yearThe chart shows daily closes over 14 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 25% below it.
Since March 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 43).
The price is 62% below its 52-week high. Largest decline in 14 years: 64% (January 2026 to October 2026).
Chart figures for advanced users
- SMA 50$64.39
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$80.55
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)43
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$57.75
- The lowest closing price of the last twelve months.
- Resistance$159.46
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- PennyMac Financial Services, Inc. belongs to the Financial (Mortgages) industry (United States) and, with a market value of $3.16B, is number 3 of 6 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $2.05B (down 28.1% year on year) and earnings of $501.08M (up 60.9%).
- For fiscal 2026, analysts expect on average revenue of $2.01B (down 1.8%) and adjusted earnings per share of $3.72 (down 52.2%).
Show more
- MEQIRI Score 51 out of 100 (Neutral): rank 849 of 976 in Financial Services, median 68.
- The P/E is 6.3 (Financial Services sector median 12.6, own median of recent years 6.6).
- Our model puts fair value at $124.84, with the price 50% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 31% since 2020.
- Analysts expect strong earnings growthUp 36.6% a year through 2028 (estimates from 3 analysts).
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 82
Weaknesses
- Revenue shrinkingRevenue down 11.2% a year since 2020.Growth 5
- Share price fell sharplyDown 53% over the last 12 months.Momentum 26
- Earnings per share fallingDown 15.1% a year since 2020.Growth 5
Its standout strengths are valuation and fundamentals, while momentum and growth hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 52 to 51.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price far below its 52-week high
What lowers it
- low growth grade (crashed less often in the backtest)
- price not overheated over the past year
- solid fundamentals
Valuation
Valuation signal
Possible value trapClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $89.17 and expensive above $208.07 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $127.98 (excess return model) and $121.71 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $114.18, at 7.8% it would be $140.84.
Possible value trap: looks cheap, but weak growth.
Valuation metrics
Half from the excess return model, half from earnings times the sector P/E (12.6).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
Up to 2024 the bars include businesses that were later spun off or sold. On a comparable basis, as restated in the SEC annual reports, revenue shrank 11.2% a year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 27%, net 24%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 4 Feb 2027in 84 days
- Last reported
- 29 Oct 2026EPS reported $1.05 (expected $1.27)below expectations
Analyst estimates
Analysts have cut their 2027 earnings estimate by 24.7% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $3.72−22.6%
- Revenue
- $2.01B−6.6%
- Earnings per share
- $7.51−24.7%
- Revenue
- $2.06B−15.6%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook lowered
Share price after the results: −3.3%Return on equity guidance for the second half lowered from mid to high teens to low to mid teens, partly because of lower origination demand.
“As just mentioned, we have lowered our ROE guidance from the mid- to high teens to low to mid-teens in the second half of the year due to 2 main factors.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 May 2026 (fiscal Q1 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 2 insiders sold, $685,570 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at PennyMac Financial Services
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 51
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Mortgages)
The next larger and next smaller companies by market value
- Rocket CompaniesRKT $40.78B40
- Bajaj Housing FinanceBAJAJHFL.NS $7.34B67
- UWM HoldingsUWMC $2.06B36
- Walker & DunlopWD $1.36B34
- Velocity FinancialVEL $644.23M71
ETFs that hold PennyMac Financial Services
Held by 13 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.07% | 0.30% | €185.82M |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.07% | 0.30% | €2.17B |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.06% | 0.39% | €1.47B |
Show 5 more
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.06% | 0.30% | €4.22B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.05% | 0.43% | €2.48B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.05% | 0.30% | €944.34M |
| iShares MSCI World Small Cap UCITS ETFIUSN | 0.02% | 0.35% | €8.19B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.01% | 0.35% | €434.1M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 6 Nov 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.