/PFSI
PFSI Stock - PennyMac Financial Services, Inc.
Financial Services|Financial - MortgagesNYSE
$134.62+1.67%
+$2.21 (+1.67%) • Dec 19
65
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.88
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).61
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.57
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+5.4%upside
Target: $141.89
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ENTRY ZONE$133.27 – $135.97
TARGET (TP)$141.83
STOP LOSS$123.85
RISK/REWARD1:0.7
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.58
52W High$137.53
52W Low$85.74
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $1.59B | $2.04B | $2.32B | $3.56B | $3.95B |
| Gross Profit | $1.56B | $847.47M | $1.31B | $2.13B | $2.77B |
| Gross Margin | 97.6% | 41.6% | 56.3% | 59.9% | 70.0% |
| Operating Income | $901.03M | $354.04M | $688.69M | $1.36B | $2.24B |
| Net Income | $311.42M | $144.66M | $475.51M | $1.00B | $1.65B |
| Net Margin | 19.5% | 7.1% | 20.5% | 28.2% | 41.7% |
| EPS | $6.11 | $2.89 | $8.96 | $15.73 | $21.91 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
7
78%
Hold / Neutral
2
22%
Sell / Underperform
0%
Analyst Consensus🟢 Bullish
7 Bullish2 Neutral/Bearish
Price Targets
$98
Average Target
↓ 27.5% Downside
Now
$58
Low
$98
Average
$160
High
Based on 14 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 19th 2025 | Jefferies | Initiation | Buy | $160 |
| October 7th 2025 | Keefe Bruyette | Downgrade | Market Perform | $129 |
| August 25th 2025 | Wells Fargo | Resumed | Overweight | $115 |
| April 8th 2025 | Keefe Bruyette | Upgrade | Outperform | $114 |
| July 22nd 2024 | Keefe Bruyette | Downgrade | Market Perform | $102 |
| April 9th 2024 | Keefe Bruyette | Upgrade | Outperform | $105← $100 |
| January 10th 2024 | Deutsche Bank | Initiation | Buy | $115 |
| January 10th 2024 | Keefe Bruyette | Downgrade | Market Perform | - |
| December 6th 2023 | UBS | Initiation | Neutral | $85 |
| November 15th 2023 | Barclays | Initiation | Overweight | $82 |
| October 2nd 2023 | Keefe Bruyette | Upgrade | Outperform | $81← $77 |
| July 17th 2023 | Jefferies | Initiation | Buy | $85 |
| January 18th 2023 | JMP Securities | Downgrade | Market Perform | - |
| January 6th 2023 | Barclays | Downgrade | Equal Weight | $58← $55 |
| December 6th 2022 | Wells Fargo | Upgrade | Overweight | $75← $54 |
Earnings History & Surprises
PFSIBeat Rate
56%
Last 18 quarters
Avg Surprise
+6.0%
EPS vs Estimate
Beats / Misses
10/8
Last 12 quarters
Latest EPS
$3.37
Q4 2025
EPS Surprise History
Q1 24
+74.3%
$1.76vs$1.01
Q2 24
+6.0%
$2.48vs$2.34
Q3 24
+0.8%
$2.67vs$2.65
Q4 24
+19.5%
$3.49vs$2.92
Q1 25
-6.8%
$2.88vs$3.09
Q2 25
-52.5%
$1.42vs$2.99
Q3 25
-66.1%
$1.02vs$3.01
Q4 25
+10.5%
$3.37vs$3.05
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 29, 2026 | $3.25 | — | — | — |
Q4 2025 | Oct 21, 2025 | $3.05 | $3.37 | +10.5% | ✓ BEAT |
Q3 2025 | Jul 22, 2025 | $3.01 | $1.02 | -66.1% | ✗ MISS |
Q2 2025 | Apr 22, 2025 | $2.99 | $1.42 | -52.5% | ✗ MISS |
Q1 2025 | Jan 30, 2025 | $3.09 | $2.88 | -6.8% | ✗ MISS |
Q4 2024 | Oct 22, 2024 | $2.92 | $3.49 | +19.5% | ✓ BEAT |
Q3 2024 | Jul 23, 2024 | $2.65 | $2.67 | +0.8% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $2.34 | $2.48 | +6.0% | ✓ BEAT |
Q1 2024 | Feb 1, 2024 | $1.01 | $1.76 | +74.3% | ✓ BEAT |
Q4 2023 | Oct 26, 2023 | $1.69 | $1.77 | +4.7% | ✓ BEAT |
Q3 2023 | Jul 27, 2023 | $1.49 | $1.11 | -25.5% | ✗ MISS |
Q2 2023 | Apr 27, 2023 | $1.06 | $0.57 | -46.2% | ✗ MISS |
Q1 2023 | Feb 2, 2023 | $1.06 | $0.71 | -33.0% | ✗ MISS |
Q4 2022 | Oct 27, 2022 | $1.13 | $2.46 | +117.7% | ✓ BEAT |
Q3 2022 | Aug 2, 2022 | $1.10 | $2.28 | +107.3% | ✓ BEAT |
Q2 2022 | May 5, 2022 | $2.45 | $2.94 | +20.0% | ✓ BEAT |
Q1 2022 | Feb 3, 2022 | $3.57 | $2.79 | -21.8% | ✗ MISS |
Q4 2021 | Nov 4, 2021 | $3.50 | $3.80 | +8.6% | ✓ BEAT |
Q3 2021 | Aug 5, 2021 | $3.21 | $2.94 | -8.4% | ✗ MISS |
Latest News
Jefferies Initiates Coverage On PennyMac Financial Servs with Buy Rating, Announces Price Target of $160
📈 PositiveBenzinga•Dec 19, 2025, 12:34 PM•Also:
Keefe, Bruyette & Woods Maintains Market Perform on PennyMac Financial Servs, Raises Price Target to $143
📈 PositiveBenzinga•Dec 18, 2025, 02:04 PM
Keefe, Bruyette & Woods Maintains Market Perform on PennyMac Financial Servs, Raises Price Target to $138
📈 PositiveBenzinga•Oct 24, 2025, 03:49 PM•Also:
UBS Maintains Neutral on PennyMac Financial Servs, Raises Price Target to $145
➖ NeutralBenzinga•Oct 24, 2025, 02:52 PM•Also:
Barclays Maintains Overweight on PennyMac Financial Servs, Raises Price Target to $139
📈 PositiveBenzinga•Oct 22, 2025, 04:56 PM•Also:
BTIG Reiterates Buy on PennyMac Financial Servs, Maintains $135 Price Target
📈 PositiveBenzinga•Oct 22, 2025, 04:15 PM
Piper Sandler Maintains Overweight on PennyMac Financial Servs, Raises Price Target to $140
📈 PositiveBenzinga•Oct 22, 2025, 03:18 PM
PennyMac Financial Services shares are trading higher after the company reported better-than-expected Q3 financial results. Also, Wells Fargo raised its price target on the stock from $115 to $135.
📈 PositiveBenzinga•Oct 22, 2025, 02:36 PM
Wells Fargo Maintains Overweight on PennyMac Financial Servs, Raises Price Target to $135
📈 PositiveBenzinga•Oct 22, 2025, 01:23 PM
PennyMac Financial Servs Q3 EPS $3.37 Beats $2.92 Estimate, Sales $632.898M Beat $586.224M Estimate
📈 PositiveBenzinga•Oct 21, 2025, 08:17 PM
UBS Maintains Neutral on PennyMac Financial Servs, Raises Price Target to $135
➖ NeutralBenzinga•Oct 10, 2025, 03:09 PM
Piper Sandler Maintains Overweight on PennyMac Financial Servs, Raises Price Target to $136
📈 PositiveBenzinga•Oct 8, 2025, 12:57 PM
Barclays Maintains Overweight on PennyMac Financial Servs, Raises Price Target to $136
📈 PositiveBenzinga•Oct 6, 2025, 01:22 PM•Also:
Annaly Capital Management To Acquire Portfolio Of Mortgage Servicing Rights From PennyMac Financial Services Under Signed Master Purchase Agreement
📈 PositiveBenzinga•Oct 1, 2025, 08:19 PM•Also:
Keefe, Bruyette & Woods Maintains Outperform on PennyMac Financial Servs, Raises Price Target to $121
📈 PositiveBenzinga•Sep 3, 2025, 02:19 PM
Frequently Asked Questions about PFSI
What is PFSI's current stock price?
PennyMac Financial Services, Inc. (PFSI) is currently trading at $134.62 per share. The stock has moved +1.67% today.
What is the analyst price target for PFSI?
The average analyst price target for PFSI is $141.83, based on 1 analyst.
What sector is PennyMac Financial Services, Inc. in?
PennyMac Financial Services, Inc. operates in the Financial Services sector, specifically within the Financial - Mortgages industry. The company is traded on the NYSE exchange.
What is PFSI's market cap?
PennyMac Financial Services, Inc. has a market capitalization of $6.94 billion, making it a mid-cap company.
Does PFSI pay dividends?
No, PennyMac Financial Services, Inc. does not currently pay a dividend to shareholders.
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