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PFSI
$88.35-2.19 (-2.42%)
After Hours$88.35+0.00 (+0.00%)· Last close May 11
PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
PennyMac Financial Services, Inc. in the Financial Services sector is trading at $88.35. The stock is currently near its 52-week low of $82.65, remaining 21.1% below its 200-day moving average. Technical signals show neutral RSI of 44 and bearish MACD signal, explaining why PFSI maintains its current current market pressure. The Whystock Score of 50/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Neutral momentum (RSI 44) — price action in range
Long-term trend bearish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$88.35
Potential Upside
104.8%
Whystock Fair Value$180.97
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus7 analysts
Buy
Mean target$117.71+33.2%
Range$94.00 – $150.00
Fundamentals
PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is inv...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$4.69B
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
9.66
Beta
High-beta play. Expect amplified moves vs. the broad market.
1.52
Div Yield
Strong income play. Yield provides a meaningful total return floor.
133.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
8.97%
Volume
Today's trading volume
360,875
Recent News
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Why One Fund Boosted Its PennyMac Stake Despite Mortgage Market Volatility
PennyMac Financial Services runs a diversified mortgage banking platform spanning loan origination, servicing, and asset management.
PennyMac (PFSI) Q1 2026 Earnings Transcript
David Spector: Thank you, operator. As shown on Slide 3, PennyMac Financial generated net income of $82 million in the first quarter or $1.53 in earnings per diluted share or an 8% annualized return on equity.
PennyMac Financial Services, Inc. Q1 2026 Earnings Call Summary
Moby summary of PennyMac Financial Services, Inc.'s Q1 2026 earnings call
PennyMac (PMT) Q1 2026 Earnings Transcript
David Spector: Thank you, operator. PMT's first quarter net income was $14 million or $0.16 per diluted common share, representing a 4% annualized return on common equity. PMT paid a quarterly dividend of $0.40 per share and book value per share on March 31 was $14.98, down 2% from the end of the prior quarter.