- ISIN
- US70932M1071
- CUSIP
- 70932M107
- Sector
- Financial Services
- Industry
- Mortgage Finance
- IPO Date
- May 9, 2013
Highlights
- Market Cap
- $3.92B
- Enterprise Value
- $3.17B
- EPS (TTM)
- $9.60
- PE Ratio
- 7.85
- PEG Ratio
- 0.53
- Total Revenue (TTM)
- $3.11B
- Gross Profit (TTM)
- $2.50B
- EBITDA (TTM)
- $1.22B
- Year Range
- $71.68 - $160.36
- Target Price
- $103.50
- ROA (TTM)
- 1.73%
- ROE (TTM)
- 11.91%
- Avg. Volume (1M)
- 578K
- Avg. Volume Value (1M)
- $47.01M
Share Price Chart
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Performance
PFSI Performance Chart
PennyMac Financial Services, Inc. (PFSI) is down 42.4% since the beginning of the year. At $75 per share, PFSI is trading 53.0% below its 52-week high of $160. Investors who bought $1,000 worth of PFSI shares 5 years ago would now be looking at an investment worth $1,275.
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Returns By Period
PennyMac Financial Services, Inc. (PFSI) has returned -42.41% so far this year and -20.37% over the past 12 months. Looking at the last ten years, PFSI has achieved an annualized return of 20.63%, outperforming the S&P 500 Index benchmark, which averaged 13.26% per year.
PennyMac Financial Services, Inc.
- 1D
- -0.61%
- 1M
- -9.66%
- 6M
- -24.02%
- YTD
- -42.41%
- 1Y
- -20.37%
- 3Y*
- 1.43%
- 5Y*
- 4.98%
- 10Y*
- 20.63%
- ALL TIME*
- 12.20%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
PFSI Monthly Returns History
Based on dividend-adjusted daily data since May 9, 2013, PFSI's average daily return is +0.07%, while the average monthly return is +1.45%. At this rate, an investment would double in approximately 4.0 years.
Historically, 52% of months were positive and 48% were negative. The best month was Apr 2020 with a return of +36.5%, while the worst month was Mar 2020 at -37.3%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 5 months.
On a daily basis, PFSI closed higher 50% of trading days. The best single day was Apr 8, 2020 with a return of +18.1%, while the worst single day was Jan 30, 2026 at -33.3%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -24.21% | -7.69% | -4.93% | 3.31% | -6.78% | 3.85% | -13.42% | -42.41% | |||||
| 2025 | 2.50% | -0.70% | -3.42% | -2.67% | -1.18% | 3.79% | -6.52% | 18.56% | 12.52% | 1.56% | 7.22% | -2.03% | 30.55% |
| 2024 | -1.30% | -2.41% | 7.25% | -5.98% | 6.08% | 4.36% | 3.72% | 10.42% | 5.53% | -12.54% | 7.79% | -4.66% | 16.79% |
| 2023 | 18.99% | -10.03% | -1.42% | 4.83% | -1.99% | 15.19% | 7.00% | -4.34% | -7.20% | 0.90% | 16.08% | 13.60% | 57.84% |
| 2022 | -10.15% | -7.59% | -7.88% | -8.72% | 1.39% | -10.83% | 25.35% | -2.72% | -19.24% | 24.29% | 12.33% | -5.03% | -17.58% |
| 2021 | -11.61% | 2.41% | 12.94% | -9.96% | 4.34% | -1.42% | 1.90% | 6.14% | -8.14% | 1.52% | 2.36% | 10.18% | 7.69% |
Benchmark Metrics
PennyMac Financial Services, Inc. has an annualized alpha of 6.93%, beta of 0.92, and R2 of 0.18 versus S&P 500 Index. Calculated based on daily prices since May 09, 2013.
- This stock participated in 109.75% of S&P 500 Index downside but only 108.32% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.18 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 6.93%
- Beta
- 0.92
- R²
- 0.18
- Upside Capture
- 108.32%
- Downside Capture
- 109.75%
Return for Risk
Risk / Return Rank
PFSI ranks 29 for risk / return — above 29% of stocks peers on PortfoliosLab. Its historical combined result is below the peer median.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for PennyMac Financial Services, Inc. (PFSI) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| PFSI | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.80 | ||
| Sortino ratioReturn per unit of downside risk | -2.15 | ||
| Omega ratioGain probability vs. loss probability | 0.97 | 1.25 | -0.29 |
| Calmar ratioReturn relative to maximum drawdown | -0.35 | 2.00 | -2.35 |
| Martin ratioReturn relative to average drawdown | -0.57 | 8.49 | -9.06 |
Dividends
Dividend History
PennyMac Financial Services, Inc. provided a 1.59% dividend yield over the last twelve months, with an annual payout of $1.20 per share. The company has been increasing its dividends for 6 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.20 | $1.20 | $1.00 | $0.80 | $0.80 | $0.80 | $0.54 | $0.12 | $0.40 |
Dividend yield | 1.59% | 0.91% | 0.98% | 0.91% | 1.41% | 1.15% | 0.82% | 0.35% | 1.88% |
Monthly Dividends
The table displays the monthly dividend distributions for PennyMac Financial Services, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.60 | |||||
| 2025 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $1.20 |
| 2024 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $1.00 |
| 2023 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.80 |
| 2022 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.80 |
| 2021 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.00 | $0.80 |
Dividend Yield & Payout
Dividend Yield
PennyMac Financial Services, Inc. has a dividend yield of 1.59%, which is quite average when compared to the overall market.
Payout Ratio
PennyMac Financial Services, Inc. has a payout ratio of 12.22%, which is below the market average. This means PennyMac Financial Services, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the PennyMac Financial Services, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the PennyMac Financial Services, Inc. was 56.49%, occurring on Mar 19, 2020. Recovery took 60 trading sessions.
The current PennyMac Financial Services, Inc. drawdown is 52.39%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-56.49%Mar 2020 | 1mo 8d | 2mo 28d | 4mo 6dFeb 2020 - Jun 2020 | COVID crash2020 |
-52.39%Jul 2026 | 6mo 12d | — | 6mo 15dJan 2026 - now | — |
-51.85%Mar 2016 | 2y 9mo | 1y 9mo | 4y 7moMay 2013 - Jan 2018 | — |
-43.27%Jun 2022 | 5mo 17d | 7mo 21d | 1y 1moDec 2021 - Feb 2023 | Bear market2022 |
-23.92%Oct 2020 | 14d | 1mo 23d | 2mo 7dOct 2020 - Dec 2020 | — |
Drawdown Indicators
| PFSI | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -56.49% | -56.78% | +0.29% |
Max Drawdown (1Y)Largest decline over 1 year | -52.39% | -9.10% | -43.29% |
Max Drawdown (3Y)Largest decline over 3 years | -52.39% | -18.90% | -33.49% |
Max Drawdown (5Y)Largest decline over 5 years | -52.39% | -25.43% | -26.96% |
Max Drawdown (10Y)Largest decline over 10 years | -56.49% | -33.92% | -22.57% |
Current DrawdownCurrent decline from peak | -52.39% | -1.58% | -50.81% |
Average DrawdownAverage peak-to-trough decline | -17.53% | -10.70% | -6.83% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 31.98% | 2.14% | +29.84% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of PennyMac Financial Services, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how PennyMac Financial Services, Inc. is priced in the market compared to other companies in the Mortgage Finance industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for PFSI, comparing it with other companies in the Mortgage Finance industry. Currently, PFSI has a P/E ratio of 7.9. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for PFSI compared to other companies in the Mortgage Finance industry. PFSI currently has a PEG ratio of 0.5. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for PFSI relative to other companies in the Mortgage Finance industry. Currently, PFSI has a P/S ratio of 1.3. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for PFSI in comparison with other companies in the Mortgage Finance industry. Currently, PFSI has a P/B value of 0.9. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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