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PennyMac Financial Services, Inc. (PFSI)

Financial Services | Mortgage Finance | Westlake Village, United States | NYSE
73.38 USD -0.21 (-0.285%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 73.05 -0.33 (-0.330%) ⇩ (Aug. 28, 2026, 7:54 p.m. EDT)

Short-term:★★☆☆☆Long-term:★★⯪☆☆Dividends:★★☆☆☆
Hot Take | Aug. 22, 2026, 3:06 a.m. EDT

PennyMac's recent earnings miss and crushing quarterly growth contraction highlight the fragility of its balance sheet, which carries excessive debt relative to equity. While the nine-year price history shows remarkable resilience with a massive cumulative gain, the current fundamentals—flat revenue and negative operating cash flow—suggest the rally may be pausing. The stock trades below its book value, offering a margin of safety that analysts acknowledge with a buy rating and $90 price target, yet the technicals remain weak against moving averages. The dividend provides a modest income floor, but the payout is small relative to the company's size. Investors should expect volatility as the market weighs the value of a distressed mortgage lender against the risk of further earnings deterioration.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.036006
AutoETS0.056501
AutoARIMA0.056510
MSTL0.059504

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 55%
H-stat 1.62
Ljung-Box p 0.000
Jarque-Bera p 0.171
Excess Kurtosis -1.31
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-16
Last Dividend Date 2026-08-16
Debt to Equity Ratio 549.403
Revenue per Share 64.135
Market Cap 3,810,247,168
Trailing P/E 10.12
Forward P/E 6.59
Beta 1.44
Profit Margins 11.78%
Website https://pfsi.pennymac.com

As of Aug. 22, 2026, 3:06 a.m. EDT: Speculators are hedging downside risk around the $85-$90 range for the near term via significant put option ownership, while placing bullish bets for the medium term at the $85 strike. Implied volatility remains elevated across expirations, indicating uncertainty about the path forward.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.39% 1.31% 1.17% 1.23%
Dividend History
Date Dividend Yield %
2026-08-17 0.30 0.393133
2026-05-18 0.30 0.346941
2026-02-13 0.30 0.326052
2025-11-17 0.30 0.241022
2025-08-13 0.30 0.276932
2025-05-14 0.30 0.303705
2025-02-13 0.30 0.296942
2024-11-18 0.30 0.292740
2024-08-13 0.30 0.306560
2024-05-13 0.20 0.221141
2024-02-12 0.20 0.217179
2023-11-10 0.20 0.277894
2023-08-14 0.20 0.273187
2023-05-15 0.20 0.328677
2023-02-13 0.20 0.302709
2022-11-10 0.20 0.355682
2022-08-15 0.20 0.338009
2022-05-16 0.20 0.439078
2022-02-14 0.20 0.330033
2021-11-12 0.20 0.306890
2021-08-13 0.20 0.297442
2021-05-14 0.20 0.331950
2021-02-11 0.20 0.310270
2020-11-13 0.15 0.267953
2020-08-14 0.15 0.303030
2020-05-15 0.12 0.415945
2020-02-13 0.12 0.338409
2019-11-14 0.12 0.376294
2018-08-10 0.40 1.877934
Additional Data
dividendRate 1.2
dividendYield 1.63
exDividendDate 2026-08-17
trailingAnnualDividendRate 1.2
trailingAnnualDividendYield 0.016306564
lastDividendValue 0.3
lastDividendDate 2026-08-17
dividendDate 2026-08-27

Info Dump

Attribute Value
52 Week Change -0.328821
Address1 3,043 Townsgate Road
Address2 Suite 200
All Time High 160.36
All Time Low 10.48
Ask 76.99
Ask Size 200
Audit Risk 4
Average Analyst Rating 2.1 - Buy
Average Daily Volume10 Day 399,850
Average Daily Volume3 Month 576,455
Average Volume 576,455
Average Volume10Days 399,850
Beta 1.442
Bid 73.0
Bid Size 200
Board Risk 4
Book Value 83.492
City Westlake Village
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 73.38
Current Ratio 0.932
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 74.445
Day Low 73.28
Debt To Equity 549.403
Display Name PennyMac Financial Services
Dividend Date 1,787,788,800
Dividend Rate 1.2
Dividend Yield 1.63
Earnings Call Timestamp End 1,785,358,800
Earnings Call Timestamp Start 1,785,358,800
Earnings Growth -0.839
Earnings Quarterly Growth -0.841
Earnings Timestamp 1,785,355,200
Earnings Timestamp End 1,792,526,400
Earnings Timestamp Start 1,792,526,400
Ebitda Margins 0.0
Enterprise To Revenue 8.171
Enterprise Value 27,223,248,896
Eps Current Year 7.14819
Eps Forward 11.13975
Eps Trailing Twelve Months 7.25
Esg Populated 0
Ex Dividend Date 1,786,924,800
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 80.302
Fifty Day Average Change -6.9220047
Fifty Day Average Change Percent -0.086199656
Fifty Two Week Change Percent -32.8821
Fifty Two Week High 160.36
Fifty Two Week High Change -86.98
Fifty Two Week High Change Percent -0.5424046
Fifty Two Week Low 71.68
Fifty Two Week Low Change 1.699997
Fifty Two Week Low Change Percent 0.023716476
Fifty Two Week Range 71.68 - 160.36
Financial Currency USD
First Trade Date Milliseconds 1,368,106,200,000
Five Year Avg Dividend Yield 1.18
Float Shares 27,399,259
Forward Eps 11.13975
Forward P E 6.5872216
Full Exchange Name NYSE
Full Time Employees 5,543
Fullday Change -0.209999
Fullday Change Percent -0.285364
Fullday Price 73.05
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.86019
Gross Profits 2,866,011,904
Has Pre Post Market Data 1
Held Percent Insiders 0.34561002
Held Percent Institutions 0.66691
Implied Shares Outstanding 51,924,875
Industry Mortgage Finance
Industry Disp Mortgage Finance
Industry Key mortgage-finance
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,786,924,800
Last Dividend Value 0.3
Last Fiscal Year End 1,767,139,200
Long Business Summary 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 involved in the origination, acquisition, and sale of loans. This segment also sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs, and supervising foreclosures and property dispositions. The company was founded in 2008 and is headquartered in Westlake Village, California.
Long Name PennyMac Financial Services, Inc.
Market us_market
Market Cap 3,810,247,168
Market State CLOSED
Max Age 86,400
Message Board Id finmb_228140094
Most Recent Quarter 1,782,777,600
Net Income To Common 392,382,016
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 3,823,116,183
Number Of Analyst Opinions 7
Open 74.32
Operating Cashflow -1,785,528,960
Operating Margins 0.04483
Overall Risk 3
Payout Ratio 0.16510001
Phone 818 224 7442
Post Market Change -0.3299942
Post Market Change Percent -0.44970593
Post Market Price 73.05
Post Market Time 1,787,961,256
Previous Close 73.59
Price Eps Current Year 10.265535
Price Hint 2
Price To Book 0.8788866
Price To Sales Trailing12 Months 1.1435919
Profit Margins 0.11777
Quick Ratio 0.467
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.125
Region US
Regular Market Change -0.209999
Regular Market Change Percent -0.285364
Regular Market Day High 74.445
Regular Market Day Low 73.28
Regular Market Day Range 73.28 - 74.445
Regular Market Open 74.32
Regular Market Previous Close 73.59
Regular Market Price 73.38
Regular Market Time 1,787,947,203
Regular Market Volume 394,324
Return On Assets 0.01451
Return On Equity 0.09377
Revenue Growth 0.018
Revenue Per Share 64.135
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 51,924,875
Shares Percent Shares Out 0.0544
Shares Short 2,827,480
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 2,406,730
Short Name PennyMac Financial Services, In
Short Percent Of Float 0.0962
Short Ratio 4.28
Source Interval 15
State CA
Symbol PFSI
Target High Price 100.0
Target Low Price 78.0
Target Mean Price 90.57143
Target Median Price 90.0
Total Cash 415,953,984
Total Cash Per Share 8.007
Total Debt 23,826,997,248
Total Revenue 3,331,824,128
Tradeable 0
Trailing Annual Dividend Rate 1.2
Trailing Annual Dividend Yield 0.016306564
Trailing Eps 7.25
Trailing P E 10.121379
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 99.36785
Two Hundred Day Average Change -25.987854
Two Hundred Day Average Change Percent -0.2615318
Type Disp Equity
Volume 394,324
Website https://pfsi.pennymac.com
Zip 91,361