PennyMac Financial Services, Inc. (PFSI): Price and Financial Metrics

PFSI POWR Grades

• PFSI scores best on the Momentum dimension, with a Momentum rank ahead of 67.45% of US stocks.
• PFSI's strongest trending metric is Quality; it's been moving down over the last 179 days.
• PFSI's current lowest rank is in the Growth metric (where it is better than 0.51% of US stocks).

PFSI Stock Summary

• The price/operating cash flow metric for PENNYMAC FINANCIAL SERVICES INC is higher than just 2.8% of stocks in our set with a positive cash flow.
• As for revenue growth, note that PFSI's revenue has grown -33.47% over the past 12 months; that beats the revenue growth of merely 5.87% of US companies in our set.
• PENNYMAC FINANCIAL SERVICES INC's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 116.83%, greater than the shareholder yield of 98.39% of stocks in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to PENNYMAC FINANCIAL SERVICES INC are TOL, MHO, UNTY, TMHC, and FFNW.
• PFSI's SEC filings can be seen here. And to visit PENNYMAC FINANCIAL SERVICES INC's official web site, go to ir.pennymacfinancial.com.

PFSI Valuation Summary

• PFSI's price/earnings ratio is 5.4; this is 52.63% lower than that of the median Financial Services stock.
• Over the past 118 months, PFSI's EV/EBIT ratio has gone up 10.1.

Below are key valuation metrics over time for PFSI.

PFSI Growth Metrics

Its year over year net income to common stockholders growth rate is now at -53.41%.
• Its year over year cash and equivalents growth rate is now at 10.85%.
• Its 2 year revenue growth rate is now at 47.59%.

PFSI's revenue has moved down $1,509,956,000 over the prior 15 months.

The table below shows PFSI's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	2,339.12	5,336.804	610.973
2022-06-30	2,649.442	7,362.979	725.149
2022-03-31	2,880.179	8,238.441	800.215
2021-12-31	3,167.361	2,563.061	1,003.49
2021-09-30	3,515.696	494.676	1,283.211
2021-06-30	3,849.076	-5,232.937	1,569.061

PFSI's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• PFSI has a Quality Grade of C, ranking ahead of 59.08% of graded US stocks.
• PFSI's asset turnover comes in at 0.131 -- ranking 41st of 430 Banking stocks.
• UVSP, WFC, and MRLN are the stocks whose asset turnover ratios are most correlated with PFSI.

The table below shows PFSI's key quality metrics over time.