PennyMac Financial Services, Inc. (PFSI) Stock Score, Valuation & Financial Research
PennyMac Financial Services, Inc. is in the Financial Services sector and Financial - Mortgages industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 59/100.
Quick answer for PFSI
PennyMac Financial Services, Inc. currently has a Wall Street Score of 59/100. The stored market price is $70.36. Its financial score is 6/100. Its valuation score is 100/100. These figures are a research snapshot, not a buy or sell recommendation.
What PennyMac Financial Services, Inc. does
PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States. The company's operations are structured into three primary divisions: Production, Servicing, and Investment Management. The Production segment focuses on the creation, acquisition, and subsequent sale of loans. Its primary involvement is with first-lien residential mortgage loans, encompassing both conventional products and those insured or guaranteed by the government. The Servicing segment is responsible for the administration of newly originated loans, in addition to managing early buyout transactions and providing servicing for other loan portfolios. This involves a broad range of activities, such as general loan administration, payment collection, and managing defaults. Specific duties include processing lo
PFSI financial snapshot
- Wall Street Score:
- 59/100
- Current price:
- $70.36
- Market capitalization:
- $3.65B
- Revenue:
- $3.54B
- Net income:
- $507.1M
- Free cash flow:
- $-1.41B
- Cash:
- $219.5M
- Total debt:
- $17.20B
- EPS:
- 9.69
- P/E ratio:
- 7.3x
- Financial score:
- 6/100
- Valuation score:
- 100/100
- Revenue score:
- 46/100
What stands out
- Reported year-over-year revenue growth is -0.2%.
- Free cash flow is $-1.41B, showing cash burn in the current stored period.
- The balance sheet shows $219.5M of cash versus $17.20B of total debt, so leverage deserves attention.
- The current research record carries a high debt stress warning, which should be reviewed alongside the score.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 6/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research PFSI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.