US · PFSI
PennyMac Financial Services, Inc.
- Sector
- Financial Services · Financial - Mortgages
- Headquarters
- Westlake Village, CA 91361
- Website
- ir.pennymacfinancial.com
Price · as of 2025-12-31
$92.13
Market cap 4.8B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $527.16 | +472.19% |
| Intrinsic Value(DCF) | $218,974.81 | +237,580.25% |
| Graham-Dodd Method(GD) | $113.60 | +23.3% |
| Graham Formula(GF) | $1,689.12 | +1,733.41% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | $55.41 | $2,694.20 | |||
| 2013 | $16.29 | $135.63 | $147.04 | $13.83 | $45.43 |
| 2014 | $16.43 | $61.09 | $0.57 | $18.74 | $63.52 |
| 2015 | $10.21 | $109.03 | $692.13 | $23.30 | $116.49 |
| 2016 | $15.97 | $746.87 | $487.55 | $30.58 | $110.95 |
| 2017 | $22.08 | $113.99 | $32.03 | $41.95 | $62.73 |
| 2018 | $20.58 | $154.37 | $0.00 | $57.39 | $33.97 |
| 2019 | $34.81 | $103.25 | $22.47 | $49.62 | $269.63 |
| 2020 | $61.79 | $270.91 | $0.00 | $148.48 | $3,015.96 |
| 2021 | $52.76 | $309.52 | $0.00 | $119.79 | $0.00 |
| 2022 | $55.89 | $321.59 | $0.00 | $94.78 | $0.00 |
| 2023 | $84.92 | $202.43 | $6.25 | $72.84 | $0.00 |
| 2024 | $100.55 | $294.19 | $57.22 | $90.30 | $0.00 |
| 2025 | $90.38 | $527.16 | $8,085.09 | $113.60 | $1,689.12 |
AI valuation
Our deep-learning model estimates PennyMac Financial Services, Inc.'s (PFSI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $527.16
- Current price
- $92.13
- AI upside
- +472.19%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$218,974.81
+237,580.25% upside
Graham-Dodd
$113.60
+23.3% upside
Graham Formula
$1,689.12
+1,733.41% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PFSI | PennyMac Financial Servic… | $92.13 | 4.8B | +472% | +237,580% | +23% | +1,733% | 9.33 | 1.08 | 1.07 | 17.87 | 15.75 | -0.88 | 91.42% | 34.65% | 11.48% | 12.31% | 5.45% | 1.81% | 5.35 | 1.57 | 0.04 | 0.04 | 15.05 | 5925.00% | 17381.00% | -6440.00% | -34.69% | -0.10 | -6.44% | 1.34% | 12.50% | 1.44% | 17.87 | -16.66 | 6.19 | 0.00 |
| BOKF | BOK Financial Corporation | $125.72 | 7.95B | -22% | -8% | -28% | -46% | 13.54 | 1.32 | 2.35 | 6.82 | 106.00 | 1.62 | 63.74% | 21.39% | 17.38% | 10.08% | -147.87% | 1.13% | 0.78 | 0.59 | 0.17 | 0.16 | 3.75 | 1278.00% | -107.00% | -5976.00% | 7.35% | 0.01 | -147.27% | 1.88% | 25.50% | 7.72% | 7.61 | 9.40 | 1.63 | -0.65 |
| CADE | Cadence Bank | $42.11 | 7.85B | -28% | +264% | -49% | +166% | 10.26 | 0.96 | 1.85 | -4.12 | — | 1.30 | 59.29% | 23.29% | 18.03% | 9.75% | -16.97% | 1.09% | 0.01 | 0.61 | 0.22 | 0.22 | -1.93 | -514.00% | 3237.00% | 6693.00% | 14.45% | 0.02 | -25.17% | 3.58% | 36.70% | 38.75% | -5.35 | -4.66 | -1.25 | -0.53 |
| FAF | First American Financial … | $70.11 | 7.14B | +32% | +81% | -52% | +147% | 11.68 | 1.32 | 0.98 | 6.49 | 3.10 | 2.03 | 95.61% | 11.10% | 8.35% | 11.95% | 10.83% | 3.99% | 0.35 | 5.26 | — | — | 0.43 | 37619.00% | 2164.00% | 1226.00% | 10.50% | — | 13.21% | 3.07% | 35.90% | 6.11% | 9.42 | 10.20 | 1.04 | 1.48 |
| JHG | Janus Henderson Group plc | $52.10 | 8.03B | +86% | +872% | +17% | +225% | 9.92 | 1.50 | 2.56 | 11.86 | 9.51 | 7.03 | 71.84% | 31.54% | 25.77% | 16.18% | 21.79% | 10.47% | 0.07 | 40.36 | 53.82 | 69.46 | -1.52 | 10430.00% | 2523.00% | -10000.00% | 0.00% | 13.85 | 0.00% | 0.00% | 0.00% | 1.39% | 6.86 | — | 2.16 | 3.13 |
| MARA | Marathon Digital Holdings… | $8.94 | 3.38B | +252% | -50% | — | — | -714.27 | — | 3.70 | 4.34 | — | -30.78 | -47.73% | -90.64% | -144.58% | -0.23% | -25.38% | -0.07% | — | -16.99 | 0.00 | 0.00 | 0.00 | -31453.00% | 3820.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 62.03% | -4.08 | — | 3.70 | — |
| OBDC | Blue Owl Capital Corporat… | $11.29 | 5.77B | +184% | -59% | — | +542% | 7.29 | 0.79 | 3.48 | 12.20 | — | 0.79 | 75.32% | 73.23% | 37.37% | 11.99% | 8.09% | 5.15% | 1.26 | 2.06 | — | — | 7.49 | -1895.00% | 5255.00% | 98699.00% | 29.84% | — | 11.74% | 12.90% | 94.00% | 15.44% | 12.30 | 8.69 | 9.01 | 0.73 |
| PB | Prosperity Bancshares, In… | $70.37 | 6.86B | -39% | +3% | +3% | -35% | 12.35 | 0.88 | 3.86 | -2.16 | 93.07 | 1.65 | 71.88% | 39.90% | 31.23% | 7.21% | -36.05% | 1.39% | 0.28 | 1.42 | 0.81 | 5.02 | 2.17 | 1327.00% | -23.00% | 2169.00% | 8.20% | 0.26 | -36.49% | 0.00% | 0.00% | 0.00% | -2.65 | -3.34 | -1.06 | 0.36 |
| PNFP | Pinnacle Financial Partne… | $90.76 | 6.98B | -38% | +1% | -18% | +56% | 16.94 | 1.25 | 2.82 | 2.43 | — | 1.76 | 49.08% | 20.37% | 16.65% | 7.62% | 39.84% | 0.94% | 0.39 | 0.44 | 0.21 | 0.21 | -1.19 | -1653.00% | 1532.00% | 10175.00% | 10.03% | 0.02 | 67.70% | 1.05% | 17.70% | 19.13% | 2.85 | 2.05 | 0.58 | -0.50 |
| UWMC | UWM Holdings Corporation | $4.41 | 685.96M | +794% | +7,737% | — | +109% | 3.75 | 4.59 | 0.29 | 21.72 | — | -0.24 | 85.62% | 57.99% | 0.87% | 135.18% | 11.95% | 1.50% | 88.97 | 3.45 | 0.35 | 0.35 | 20.74 | -769.00% | 6583.00% | -5785.00% | -289.23% | -0.82 | -17.74% | 8.59% | 32.20% | 8.59% | 9.86 | -6.82 | 5.71 | 0.45 |
| VOYA | Voya Financial, Inc. | $66.88 | 6.36B | +7% | -45% | -23% | -83% | 9.99 | 1.32 | 0.87 | 28.39 | 410.94 | -2.85 | 51.84% | 3.48% | 8.72% | 14.60% | -3.73% | 0.38% | 0.42 | 2.23 | 20.38 | 20.38 | 3.36 | 243.00% | -688.00% | 4138.00% | 19.71% | 2.20 | -21.01% | 3.35% | 33.50% | 24.98% | 28.39 | 5.75 | 0.99 | 0.16 |
About PennyMac Financial Services, Inc.
PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. It operates through three segments: Production, Servicing, and Investment Management. The Production segment is involved in the origination, acquisition, and sale of loans. It sources first-lien residential conventional and government-insured or guaranteed mortgage loans. The Servicing segment engages in the servicing of newly originated loans, and execution and management of early buyout transactions and servicing of loans. It performs loan administration, collection, and default management activities, including the collection and remittance of loan payments, response to customer inquiries, accounting for principal and interest, holding custodial funds for the payment of property taxes and insurance premiums, counseling delinquent borrowers, and supervising foreclosures and property dispositions, as well as administers loss mitigation activities, such as modification and forbearance programs. The Investment Management segment is involved in sourcing, performing diligence, bidding, and closing investment asset acquisitions; managing correspondent production activities for PennyMac Mortgage Investment Trust; and managing acquired assets. PennyMac Financial Services, Inc. was founded in 2008 and is headquartered in Westlake Village, California.
- CEO
- David A. Spector
- Employees
- 4.46K
- Beta
- 1.54
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($218,974.81 ÷ $92.13) − 1 = +237,580.25% (DCF, example).