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PFSI
$87.48-2.41 (-2.68%)
Pre-Market$87.00-0.48 (-0.55%)· Last close May 5
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 $87.48. The stock is currently near its 52-week low of $82.65, remaining 22.0% below its 200-day moving average. Technical signals show neutral RSI of 39 and bearish MACD signal, explaining why PFSI maintains its current current market pressure. The Whystock Score of 60/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Neutral momentum (RSI 39) — 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$87.48
Potential Upside
104.8%
Whystock Fair Value$179.19
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$123.29+40.9%
Range$100.00 – $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
1.02M
Recent News
PennyMac Financial Services (PFSI) Reports Q1: Everything You Need To Know Ahead Of Earnings
Mortgage banking company PennyMac Financial Services (NYSE:PFSI) will be announcing earnings results this Tuesday after market hours. Here’s what you need to know.
UWM Holdings Corporation (UWMC) Reports Next Week: Wall Street Expects Earnings Growth
UWM (UWMC) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Seacoast Banking (SBCF) Q1 Earnings Top Estimates
Seacoast Banking (SBCF) delivered earnings and revenue surprises of +6.44% and -0.80%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?
What PennyMac Mortgage Investment Trust (PMT)'s New Team USA Athlete Mortgage Program Means For Shareholders
In April 2026, PennyMac Financial Services, Inc. and PennyMac Mortgage Investment Trust launched the “Welcome Home: Athlete Mortgage Program” with the U.S. Olympic and Paralympic Committee to offer Team USA athletes dedicated lending support, exclusive mortgage benefits, and tailored homeownership education. This initiative expands their existing Team USA partnership into a targeted mortgage ecosystem for a distinct, high-profile borrower group with unique income and financing needs. We’ll...
Better Home & Finance Holding Company (BETR) Soars 15.2%: Is Further Upside Left in the Stock?
Better Home & Finance Holding Company (BETR) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions could translate into further price increase in the near term.