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PennyMac Financial Services, Inc. (PFSI) Stock Forecast 2025 - AI Price Prediction & Analysis

PennyMac Financial Services, Inc. (PFSI) AI Stock Price Forecast & Investment Analysis

PennyMac Financial Services, Inc. Stock Price Chart and Technical Analysis

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PennyMac Financial Services, Inc. (PFSI) - Comprehensive Stock Analysis & Investment Research

Company Overview & Business Profile

PennyMac Financial Services, Inc. (Stock Symbol: PFSI) is a leading company in the Finance sector , specifically operating within the Mortgage Bankers & Loan Correspondents industry. The organization employs approximately 2918 professionals worldwide . The company has established itself as a growing mid-cap opportunity with strong fundamentals.

Financial Performance & Key Metrics Analysis

Annual Revenue: $3024 million generating a 68,7% net profit margin .

Market Capitalization: $5210 million - Classified as a mid-cap growth stock with balanced risk-reward profile.

Return on Equity (ROE): 23,2% - Exceptional shareholder return efficiency, indicating strong management effectiveness.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for PennyMac Financial Services, Inc. stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

PennyMac Financial Services, Inc. strategically competes in the highly dynamic Mortgage Bankers & Loan Correspondents marketplace, establishing itself as a promising mid-cap growth opportunity with strong fundamentals and expanding market share . The company demonstrates robust operational efficiency through strong free cash flow generation of $8172 million annually The company maintains a healthy 45,9% gross margin, indicating strong pricing power and operational efficiency.

PennyMac Financial Services, Inc. (PFSI) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for PennyMac Financial Services, Inc. stock analysis.

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Deep dive into PennyMac Financial Services, Inc.'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if PennyMac Financial Services, Inc. stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For PennyMac Financial Services, Inc.: With a P/E ratio of 26,53, the market highly values future growth prospects.

P/E Ratio 26,53x
P/B Ratio 10,02x
Market Cap $5210M
Dividend Yield 1,10%
EPS $7,52
Book Value/Share $10,55
Revenue/Share $0,54
FCF/Share $-56,81
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently PennyMac Financial Services, Inc. converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For PennyMac Financial Services, Inc.: An ROE of 23,2% demonstrates excellent shareholder value creation.

ROE 23,2%
ROA 3,5%
ROIC 3,7%
Gross Margin 45,9%
Operating Margin 33,6%
Net Margin 68,7%
EBT Margin 33,6%
Tax Rate 26,4%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess PennyMac Financial Services, Inc.'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For PennyMac Financial Services, Inc.: A current ratio of 7,10 indicates strong liquidity.

Current Ratio 7,10x
Quick Ratio 6,53x
D/E Ratio 2,83x
Financial Leverage 4,25x
Interest Coverage 16,0x
Working Capital $26488M
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal PennyMac Financial Services, Inc.'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For PennyMac Financial Services, Inc.: Free cash flow of $8172M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $8238M
Free Cash Flow $8172M
Capital Spending $-66M
FCF/Sales 252,1%
CapEx/Sales 2,0%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively PennyMac Financial Services, Inc. uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For PennyMac Financial Services, Inc.: An asset turnover of 0,14x suggests room for improvement in asset utilization.

Asset Turnover 0,14x
Receivables Turnover 33,0x
Fixed Assets Turnover 28,8x
Days Sales Outstanding 11 days
Payables Period 109 days
Understanding Financial Statement Data

What these metrics mean: Key figures from PennyMac Financial Services, Inc.'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For PennyMac Financial Services, Inc.: With annual revenue of $3024M, PennyMac Financial Services, Inc. operates at significant scale.

Income Statement ($ Millions)
Total Revenue $3024M
Operating Income $1088M
SG&A Expense $6M
Cost of Goods Sold $54M
Balance Sheet Highlights ($ Millions)
Total Current Assets $63M
Cash & Short-term Investments $4M
Total Liabilities $76M
Accounts Receivable $55M
Dividend & Shareholder Information
Dividends Per Share $1,20
Payout Ratio 0,2%
Shares Outstanding 52M
Growth Metrics (YoY)
EPS Growth 3,0%

Latest PennyMac Financial Services, Inc. Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting PennyMac Financial Services, Inc. (PFSI) stock price and investment outlook.

PennyMac Financial Services, Inc. Competitors & Peer Analysis - Finance Sector

Comparative analysis of PennyMac Financial Services, Inc. against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
BLNE Unlock Forecast $13M x 0,3x
FOA Unlock Forecast $174M 12,3x -7,2x
GHLD Unlock Forecast $1232M 47,7x 1,0x
ONIT Unlock Forecast $293M 13,0x 0,7x
PFSI Unlock Forecast $5210M 26,5x 10,0x
RKT Unlock Forecast $2739M 186300,9x 0,4x
UWMC Unlock Forecast $0M 18,8x 0,0x

Frequently Asked Questions - PennyMac Financial Services, Inc. Stock Forecast

How accurate are PennyMac Financial Services, Inc. stock predictions?

Our AI model demonstrates 46% historical accuracy for PFSI predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

What factors influence PennyMac Financial Services, Inc. stock price forecasts?

Our analysis considers PennyMac Financial Services, Inc.'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is PennyMac Financial Services, Inc. a good investment in 2025?

Based on our AI analysis, PennyMac Financial Services, Inc. shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are PennyMac Financial Services, Inc. forecasts updated?

PennyMac Financial Services, Inc. stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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