Stock PFSI PENNYMAC FINANCIAL SERVICES, INC.
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Financials PennyMac Financial Services, Inc.

Equities

PFSI

US70932M1071

Banks

Market Closed - Nyse
Other stock markets
 21:00:02 26/04/2024 BST 		5-day change 1st Jan Change
87 USD +0.93% Intraday chart for PennyMac Financial Services, Inc. -1.09% -1.55%
04-26 UBS Lowers PennyMac Financial Services' Price Target to $100 From $105, Maintains Neutral Rating MT
04-26 Keefe Bruyette & Woods Adjusts PennyMac Financial Services Price Target to $100 From $105, Maintains Outperform Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 2,670 4,754 4,119 2,838 4,412 4,430 - -
Enterprise Value (EV) 1 2,670 4,754 4,119 2,838 4,412 4,430 4,430 4,430
P/E ratio 6.96 x 3.14 x 4.69 x 6.67 x 32.3 x 9.8 x 6.97 x 5.93 x
Yield 0.71% 0.82% 1.43% 1.41% 0.91% 0.92% 0.92% 0.92%
Capitalization / Revenue 1.81 x 1.28 x 1.3 x 1.43 x 3.15 x 2.44 x 2.08 x 1.77 x
EV / Revenue 1.81 x 1.28 x 1.3 x 1.43 x 3.15 x 2.44 x 2.08 x 1.77 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.3 x 1.37 x 1.16 x 0.82 x 1.25 x 1.11 x 0.95 x 0.83 x
Nbr of stocks (in thousands) 78,449 72,444 59,029 50,081 49,926 50,920 - -
Reference price 2 34.04 65.62 69.78 56.66 88.37 87.00 87.00 87.00
Announcement Date 06/02/20 04/02/21 03/02/22 02/02/23 01/02/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 1,477 3,706 3,167 1,986 1,402 1,814 2,133 2,498
EBITDA - - - - - - - -
EBIT 529.4 2,241 - 419.1 - - - -
Operating Margin 35.84% 60.47% - 21.1% - - - -
Earnings before Tax (EBT) 1 529.4 2,241 1,359 665.2 183.6 620.5 877.1 1,036
Net income 1 393 1,647 1,003 475.5 144.7 472.5 652.2 766
Net margin 26.6% 44.44% 31.68% 23.95% 10.32% 26.05% 30.57% 30.66%
EPS 2 4.890 20.92 14.87 8.500 2.740 8.879 12.48 14.67
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.2400 0.5400 1.000 0.8000 0.8000 0.8000 0.8000 0.8000
Announcement Date 06/02/20 04/02/21 03/02/22 02/02/23 01/02/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 786.6 693.8 657.5 511.5 476.3 340.4 302.9 336.5 400.3 361.9 305.7 475.9 493.6 483.2 481.9
EBITDA - - - - - - - - - - - - - - -
EBIT - - 311.8 248.7 268.4 58.01 169.9 72.92 - - - - - - -
Operating Margin - - 47.43% 48.61% 56.36% 17.04% 56.1% 21.67% - - - - - - -
Earnings before Tax (EBT) 1 339.5 234.1 234.5 177.5 185.5 67.73 38.15 72.92 126.8 -54.23 43.88 187.3 193.2 191.6 201.4
Net income 1 249.3 173.1 173.6 129.2 135.1 37.62 30.38 58.25 92.87 -36.84 39.31 141.9 146.4 143.7 145.7
Net margin 31.69% 24.95% 26.4% 25.25% 28.37% 11.05% 10.03% 17.31% 23.2% -10.18% 12.86% 29.81% 29.66% 29.73% 30.23%
EPS 2 3.800 2.790 2.940 2.280 2.460 0.7100 0.5700 1.110 1.770 -0.7400 0.7400 2.650 2.762 2.734 2.718
Dividend per Share 2 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000 0.2000
Announcement Date 04/11/21 03/02/22 05/05/22 02/08/22 27/10/22 02/02/23 27/04/23 27/07/23 26/10/23 01/02/24 24/04/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 21.2% 60.4% 29.5% 13.8% 4.13% 14.5% 15.1% 16.3%
ROA (Net income/ Total Assets) 4.44% 7.88% 5.58% 2.67% 0.81% 2.45% 2.99% -
Assets 1 8,841 20,901 17,981 17,803 17,835 19,285 21,813 -
Book Value Per Share 2 26.30 47.80 60.10 69.40 70.50 78.30 91.10 105.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 06/02/20 04/02/21 03/02/22 02/02/23 01/02/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for PennyMac Financial Services, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
10
Last Close Price
87 USD
Average target price
106.6 USD
Spread / Average Target
+22.48%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Retail & Mortgage Banks
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