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 60.59% of US stocks.
• PFSI's strongest trending metric is Stability; it's been moving up over the last 177 days.
• PFSI ranks lowest in Sentiment; there it ranks in the 17th percentile.

PFSI Stock Summary

• For PFSI, its debt to operating expenses ratio is greater than that reported by 94.67% of US equities we're observing.
• Revenue growth over the past 12 months for PENNYMAC FINANCIAL SERVICES INC comes in at -45.04%, a number that bests merely 5.88% of the US stocks we're tracking.
• PENNYMAC FINANCIAL SERVICES INC's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is -52.18%, greater than the shareholder yield of just 10.52% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to PENNYMAC FINANCIAL SERVICES INC, a group of peers worth examining would be UNTY, KRNY, ESSA, NFBK, and FOR.
• 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/sales ratio is 2.4; this is 4.35% higher than that of the median Financial Services stock.
• Over the past 126 months, PFSI's price/sales ratio has gone up 1.6.

Below are key valuation metrics over time for PFSI.

PFSI Growth Metrics

Its 4 year revenue growth rate is now at 96.54%.
• Its 2 year price growth rate is now at 68.24%.
• Its 3 year net cashflow from operations growth rate is now at 8401.28%.

Over the past 49 months, PFSI's revenue has gone up $1,307,058,000.

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.