PennyMac Financial Services, Inc. (PFSI) Stock Price & Analysis
PennyMac Financial Services, Inc. (PFSI) closed at USD 63.36 on Thursday, October 22, 2026, up 6.43% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 63.36; the Oct 22, 2026 session ranged USD 59.83–63.65 on volume of 944,822 shares. Market capitalization is —, with a 52-week range of USD 57.52–160.36 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 10:01 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PFSI.md
Key facts (PFSI)
- Last four reported quarters (through Jun 30, 2026): revenue $2.21B, net income $392M (17.7% margin) (SEC filings).
- Insider open-market sales, last ~7 months: 5 Form 4 filings, $2.5M; 0 not under a Rule 10b5-1 plan ($0K); 2 by opportunistic insiders (0 outside 10b5-1 plans), 3 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Total return with dividends: 1Y -50.1% vs S&P 500 +14.9%; 5Y +1.3% vs S&P 500 +80.3%.
- Next earnings: 2026-10-29, EPS estimate USD 1.23, revenue estimate $537M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PFSI)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $3.17B | $1.99B | $1.40B | $1.59B | $2.05B | $2.21B |
| Net income | $1.00B | $476M | $145M | $311M | $501M | $392M |
| EPS (diluted) | $14.87 | $8.50 | $2.74 | $5.84 | $9.30 | — |
| Free cash flow | $2.56B | $6.03B | -$1.58B | -$4.53B | -$1.66B | -$1.80B |
| Net margin | 31.7% | 23.9% | 10.3% | 19.5% | 24.5% | 17.7% |
| Revenue growth | -14.5% | -37.3% | -29.4% | +13.7% | +28.4% | — |
| Cash + short-term investments | $347M | $1.34B | $949M | $659M | $712M | — |
| Total debt | $3.10B | $3.75B | $4.43B | $5.25B | $6.23B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (PFSI)
P/E at fiscal year-ends: Dec 2025 14.2x, Dec 2024 17.5x, Dec 2023 32.2x.
Insider sales (SEC Form 4, open-market, last ~7 months) (PFSI)
5 of 5 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-07-01 | Hendry Gregory L | MD, Chief Accounting Officer | 2,177 | $189K | 4.3% | Yes (adopted March 20, 2026) | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-06-22 | Hendry Gregory L | MD, Chief Accounting Officer | 2,943 | $240K | 5.7% | Yes (adopted March 20, 2026) | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-05-15 | Perotti Daniel Stanley | Chief Financial Officer | 2,925 | $256K | 1.3% | Yes (adopted June 2, 2025) | Routine (sold in Nov each year 2023–2025; this trade is outside those months) |
| 2026-05-12 | Spector David | Chairman & CEO | 10,000 | $880K | 1.7% | Yes (adopted August 8, 2025) | Routine (sold in Feb & Mar & Apr & May & Jun & Jul & Aug & Sep & Oct & Nov & Dec each year 2023–2025) |
| 2026-04-14 | Spector David | Chairman & CEO | 10,000 | $928K | 1.6% | Yes (adopted August 8, 2025) | Routine (sold in Feb & Mar & Apr & May & Jun & Jul & Aug & Sep & Oct & Nov & Dec each year 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (PFSI)
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-12 | BTIG | Target lowered | Buy | $90 → $80 |
| 2026-10-09 | Piper Sandler | Target lowered | Neutral | $86 → $71 |
| 2026-10-05 | Barclays | Target lowered | Equal-Weight | $85 → $71 |
| 2026-07-31 | Keefe, Bruyette & Woods | Target lowered | Outperform | $108 → $100 |
| 2026-07-30 | Stephens & Co. | Target lowered | Equal-Weight | $91 → $78 |
| 2026-07-30 | Wells Fargo | Target lowered | Overweight | $100 → $95 |
| 2026-07-30 | Barclays | Target lowered | Equal-Weight | $93 → $85 |
| 2026-07-30 | Piper Sandler | Downgrade | Overweight → Neutral | $106 → $86 |
| 2026-07-30 | BTIG | Target lowered | Buy | $105 → $90 |
| 2026-07-07 | Barclays | Downgrade | Overweight → Equal-Weight | $107 → $93 |
| 2026-07-02 | Piper Sandler | Target lowered | Overweight | $112 → $106 |
Total return (dividends reinvested) (PFSI)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -50.1% | +1.3% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -50.2% | +0.3% |
| Volatility (annualized) | 52.3% | 37.0% |
| Max drawdown | -63.4% (Jan 2026→Oct 2026) | -62.0% (Jan 2026→Oct 2026) |
Companies that name PFSI in their SEC reports
| Relationship to PFSI | Company | Filing | Sentence |
|---|---|---|---|
| partner | PennyMac Mortgage Investment Trust (PMT) | 10-K Feb 18, 2026 | “PFSI has a corporate philanthropy program that is governed by a philosophy of giving that prioritizes the support of causes and issues of importance in our local communities, and drives a culture of employee engagement and collaboration throughout our and PFSI's organization.” |
PFSI customer concentration
In the period ended Jun 30, 2026, a single direct customer accounted for 10% of revenue, per the company's 10-Q filed Aug 4, 2026. The company does not name it.
PFSI analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $1.23 | $2.57 | -52.0% | $537.4M | 6 |
| Next quarter (ends Dec 2026) | $1.68 | $2.91 | -42.2% | $554.3M | 6 |
| Current fiscal year (ends Dec 2026) | $6.48 | $9.70 | -33.2% | $2.16B | 6 |
| Next fiscal year (ends Dec 2027) | $10.30 | $13.05 | -21.1% | $2.44B | 5 |
Key Statistics (as of October 23, 2026 at 10:01 UTC)
| Price | USD 63.36 |
|---|---|
| Change | ▲ 6.43% (up) |
| Previous Close | USD 63.36 |
| Open | USD 63.36 |
| Day Range | USD 59.83 – 63.65 |
| 52-Week Range | USD 57.52 – 160.36 |
| Volume | 944,822 shares |
| Market Cap | — |
| Exchange | NYQ |
Technical Analysis (PFSI)
Nexqual's technical model rates PFSI "SELL" based on 2 bullish and 4 bearish signals across 127 daily candles, as of October 23, 2026 at 10:01 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 48.95 (neutral) |
| vs SMA50 | Below (USD 67.56) |
| MACD | -2 (negative) |
Earnings (PFSI)
| Next Earnings Date | 2026-10-29 |
|---|---|
| EPS Estimate | USD 1.23 |
| Revenue Estimate | $537.40M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.39 vs est 2.15 ▼ miss |
| 2026-03-31 | USD 2.19 vs est 2.14 ▲ beat |
| 2025-12-31 | USD 1.96 vs est 3.23 ▼ miss |
| 2025-09-30 | USD 3.43 vs est 2.98 ▲ beat |
Source: Nexqual, October 23, 2026 at 10:01 UTC.
Financials & Fundamentals (PFSI)
| Total Revenue | $3.33B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +1.80% |
| Gross Margin | +86.02% |
| Operating Margin | +4.48% |
| Profit Margin | +11.78% |
| ROE | +9.38% |
| Debt / Equity | 5.49 |
| Current Ratio | 0.93 |
| Total Cash | $415.95M |
| Total Debt | $23.83B |
Source: Nexqual, October 23, 2026 at 10:01 UTC.
Ownership (PFSI)
| Insider Ownership | +34.56% |
|---|---|
| Institutional Ownership | +66.57% |
| Shares Outstanding | 51.95M |
| Float | 27.40M |
| Short % of Float | +11.27% |
Source: Nexqual, October 23, 2026 at 10:01 UTC.
From PennyMac Financial Services, Inc.'s Latest SEC 10-K Filing (filed 2026-02-20)
Key Strengths & Strategy (as disclosed to the SEC)
- Our other intellectual property includes proprietary know-how and technological innovations, such as our proprietary workflow-driven cloud-based servicing system, as well as proprietary pricing engines, loan-level analytics systems and other trade secrets that we have developed to maintain our competitive position.
- We believe that our national call center model and our technology will enable us to drive origination process efficiencies and best-in-class customer service.
- We believe that our operating capabilities, specialized expertise, access to long-term investment capital, and experience across all aspects of the mortgage business will allow us to profitably grow these activities over time and capitalize on other related opportunities as they arise.
Partnerships
- We also compete for capital with both traditional and alternative investment managers.
Legal & Regulatory Risks (Item 1A, quoted)
- Regulatory agencies and consumer advocacy groups have brought fair lending, fair housing and other related claims that the practices of lenders and loan servicers can result in a disparate impact on protected classes.
- The failure of our correspondent sellers to comply with any applicable laws, regulations and rules may also result in these adverse consequences.
- Current or future federal or state administrations may enact significant policy changes that could impact our business and our ability to adequately comply with regulatory and enforcement oversight.
- The publication and adoption of new and amended laws, regulations and informal guidance could have a substantial impact on our business operations.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| UWMC | UWM Holdings Corporation | USD 1.15 | ▲ 3.6% |
| WD | Walker & Dunlop, Inc | USD 34.68 | ▲ 5.44% |
| VEL | Velocity Financial, Inc. | USD 15.21 | ▲ 2.42% |
| RKT | Rocket Companies, Inc. | USD 11.74 | ▲ 5.67% |
| BETR | Better Home & Finance Holding C | USD 16.58 | ▲ 6.42% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 10:01 UTC. This page is informational and not investment advice.
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