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The following description of our business should be read in conjunction with the information included elsewhere in this Report. References in this Report to we, our, us, and the Company refer to PennyMac Financial Services, Inc. ( PFSI ) and its consolidated subsidiaries.
$83.36
$1.93 (-2.26%)
Live · 05:19 PM
24.48% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 28.4% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
8.9x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$2.16B
▲ +28.4% YoY
Net Income (TTM)
$507M
▲ +60.9% YoY
Net Margin
23.47%
P/E
8.9x
Balance Sheet
Total Assets
$31.94B
Equity
$4.33B
Total Debt
$6.30B
Cash & Equiv.
$654M
5Y CAGR: -11.2%
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At a P/E of 8.9, Pennymac Financial Services (PFSI)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Pennymac Financial Services scores 77/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.4%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Pennymac Financial Services scores 77 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Pennymac Financial Services pays a regular dividend of about $1.17 per share per year (typically in quarterly installments), a yield of roughly 1.4% at the current price. That is a payout ratio of about 12.5% of earnings, so the dividend is amply covered by earnings. Pennymac Financial Services has grown the dividend at roughly 4.3% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For PFSI's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh PFSI's valuation and scores 77/100 on quality (solid). It also yields about 1.4%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.