PennyMac Financial Services, Inc. (PFSI)
Mortgage Bankers & Loan Correspondents · Financial Services · $4.3B
Intrinsic Value (Consensus)
$114.48
Current Price
$83.60
Margin of Safety
+36.9%
36.9% Below Intrinsic Value
Value: $114
Price: $84
Valuation Model Estimates
Current Price: $83.60
DCF (Discounted Cash Flow)
Not applicable
—
Graham Number
$81.64
Earnings Power Value
$90.29
Relative Value (P/E)
$186.00
Dividend Discount Model
$100.00
Consensus Value
$114.48
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
59
Profitability
25/25
Strength
2/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Very high debt — Debt/Equity ratio is 377% (above 200% is risky)
Negative free cash flow — company is burning cash
Declining revenue — top line is shrinking
Strong profitability — ROE of 30% (above 20% is excellent)
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $9.30
- EPS (Forward)
- $11.16
- Book Value
- $31.85
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 30.3%
- Debt/Equity
- 377%
- Revenue Growth
- -25.2%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.2%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance