PennyMac Financial Services, Inc. (PFSI) — Stock Score Summary

PennyMac Financial Services, Inc. (PFSI) has a MoatMap StockRank of 20/100 based on Quality (42/100), Value (42/100), and Momentum (21/100) factor scores. The current signal is STRONG SELL. PennyMac is a high-quality mortgage servicer, but its business model is highly cyclical and sensitive to interest rate fluctuations, lacking a structural macro tailwind.

PennyMac Financial Services, Inc. is a leading, vertically integrated mortgage platform specializing in loan production and servicing across the United States. The company leverages its proprietary technology and massive scale to operate as one of the nation's largest mortgage originators and servicers. Its substantial mortgage servicing rights (MSR) portfolio provides a natural hedge against interest rate fluctuations, ensuring stable cash flows.

Key Financial Metrics

Price$84.04
Market Cap$4.5B
P/E (TTM)9.15
P/E (Forward)6.04
Price/Book1.03
Return on Equity12.3%
Return on Invested Capital3.0%
Debt/Equity598.27
Gross Margin87.1%
Operating Margin14.6%
Revenue Growth-16.6%
Dividend Yield1.4%

PennyMac Financial Services, Inc. operates in the Mortgage Finance industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is PennyMac Financial Services, Inc.’s (PFSI) StockRank?
MoatMap’s StockRank for PennyMac Financial Services, Inc. (PFSI) is 20/100, with a Strong Sell signal. It is a composite of Quality (42), Value (42), and Momentum (21) factor ranks across MoatMap’s 19,000+ stock universe.
Does PennyMac Financial Services, Inc. have an economic moat?
PennyMac Financial Services, Inc. (PFSI) has a Quality factor score of 42/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is PennyMac Financial Services, Inc. a buy, hold, or sell?
MoatMap’s current signal for PennyMac Financial Services, Inc. (PFSI) is Strong Sell, based on a StockRank of 20/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is PennyMac Financial Services, Inc. in?
PennyMac Financial Services, Inc. (PFSI) operates in the Financial Services sector, specifically the Mortgage Finance industry (United States).
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