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 80.04% of US stocks.
• PFSI's strongest trending metric is Stability; it's been moving up over the last 169 days.
• PFSI ranks lowest in Growth; there it ranks in the 0th percentile.

PFSI Stock Summary

• PFSI's current price/earnings ratio is 2.82, which is higher than only 2.17% of US stocks with positive earnings.
• The ratio of debt to operating expenses for PennyMac Financial Services Inc is higher than it is for about 89.93% of US stocks.
• With a year-over-year growth in debt of -44.39%, PennyMac Financial Services Inc's debt growth rate surpasses only 10.79% of about US stocks.
• Stocks that are quantitatively similar to PFSI, based on their financial statements, market capitalization, and price volatility, are TWNK, AMRC, VRTS, GFF, and NXST.
• Visit PFSI's SEC page to see the company's official filings. To visit the company's web site, go to ir.pennymacfinancial.com.

PFSI Valuation Summary

• PFSI's price/earnings ratio is 2.6; this is 76.36% lower than that of the median Financial Services stock.
• Over the past 101 months, PFSI's price/sales ratio has gone up 0.3.
• PFSI's price/sales ratio has moved up 0.3 over the prior 101 months.

Below are key valuation metrics over time for PFSI.

PFSI Growth Metrics

Its 2 year net income to common stockholders growth rate is now at 513.23%.
• The year over year net income to common stockholders growth rate now stands at 162.99%.
• Its 4 year cash and equivalents growth rate is now at 653.97%.

Over the past 33 months, PFSI's revenue has gone up $2,531,067,000.

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
2021-09-30	3,515.696	494.676	1,283.211
2021-06-30	3,849.076	-5,232.937	1,569.061
2021-03-31	3,928.458	-6,716.67	1,717.509
2020-12-31	3,705.597	-6,198.938	1,646.884
2020-09-30	3,153.826	-4,478.513	1,346.741
2020-06-30	2,470.181	-997.581	933.054

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.