PennyMac Financial Servs Stock (NYSE: PFSI)

PennyMac Financial Servs (NYSE:PFSI) Stock

PENNYMAC FINANCIAL SERVICES

PennyMac Financial Servs

PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.

PennyMac Financial Services, Inc. Common Stock

PennyMac Financial Services Inc

Wells Fargo analyst Michael Kaye maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and lowers the price target from $125 to $120.

News

Price Target

Analyst Ratings

PFSI

Wells Fargo Maintains Overweight on PennyMac Financial Servs, Lowers Price Target to $120

Across the recent three months, 4 analysts have shared their insights on PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>), expressing a variety of opinions spanning from bullish to bearish.
The following table summarizes their recent ratings, shedding light on the changing sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $120.5, a high estimate of $130.00, and a low estimate of $110.00. A 1.83% drop is evident in the current average compared to the previous average price target of $122.75. 
<img src="https://www.benzinga.com/files/images/story/2025/1745445666_0.png" alt="price target chart" />
<h2>Investigating Analyst Ratings: An Elaborate Study</h2>
The standing of PennyMac Financial Servs among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
&#x7C; Analyst &#x7C; Analyst Firm &#x7C; Action Taken &#x7C; Rating &#x7C;Current Price Target&#x7C; Prior Price Target &#x7C; 
&#x7C;--------------------&#x7C;-----------------------&#x7C;---------------&#x7C;---------------&#x7C;--------------------&#x7C;--------------------&#x7C; 
&#x7C;Crispin Love &#x7C;Piper Sandler &#x7C;Lowers &#x7C;Overweight &#x7C; $128.00&#x7C;$130.00 &#x7C; 
&#x7C;Douglas Harter &#x7C;UBS &#x7C;Lowers &#x7C;Neutral &#x7C; $110.00&#x7C;$115.00 &#x7C; 
&#x7C;George Bose &#x7C;Keefe, Bruyette &amp; Woods&#x7C;Maintains &#x7C;Outperform &#x7C; $114.00&#x7C;$114.00 &#x7C; 
&#x7C;Crispin Love &#x7C;Piper Sandler &#x7C;Lowers &#x7C;Overweight &#x7C; $130.00&#x7C;$132.00 &#x7C;
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to PennyMac Financial Servs. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of PennyMac Financial Servs compared to the broader market.</li>
<li>Price Targets: Delving into movements, analysts provide estimates for the future value of PennyMac Financial Servs's stock. This analysis reveals shifts in analysts' expectations over time.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of PennyMac Financial Servs's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/PFSI/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on PennyMac Financial Servs analyst ratings.</a>
<h2>Delving into PennyMac Financial Servs's Background</h2>
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.
<h3>PennyMac Financial Servs: Delving into Financials</h3>
Market Capitalization Analysis: Above industry benchmarks, the company's market capitalization emphasizes a noteworthy size, indicative of a strong market presence.
Positive Revenue Trend: Examining PennyMac Financial Servs's financials over 3M reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 31.21% as of 31 December, 2024, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: PennyMac Financial Servs's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 14.96%, the company may face hurdles in effective cost management.
Return on Equity (ROE): PennyMac Financial Servs's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 2.76% ROE, the company effectively utilizes shareholder equity capital.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.43%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: PennyMac Financial Servs's debt-to-equity ratio is below the industry average. With a ratio of 5.37, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
<h2>The Significance of Analyst Ratings Explained</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.
Breaking: Wall Street's Next Big Mover
Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. <a href="https://www.benzinga.com/premium/ideas/turning-point-trader-checkout-2/?t=Tu1tu3arja3be22tu36&amp;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantag">Click here for urgent details</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Assessing PennyMac Financial Servs: Insights From 4 Financial Analysts

Piper Sandler analyst Crispin Love maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and lowers the price target from $130 to $128.

Piper Sandler Maintains Overweight on PennyMac Financial Servs, Lowers Price Target to $128

PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) reported quarterly earnings of $1.42 per share which missed the analyst consensus estimate of $2.67 by 46.82 percent. The company reported quarterly sales of $430.903 million which missed the analyst consensus estimate of $534.654 million by 19.41 percent. This is a 40.97 percent increase over sales of $305.660 million the same period last year.

Earnings

Earnings Misses

PennyMac Financial Servs Q1 2025 GAAP EPS $1.42 Misses $2.67 Estimate, Sales $430.903M Miss $534.654M Estimate

<h3>Companies Reporting Before The Bell</h3>
• Valmont Industries (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VMI#NYSE">VMI</a>) is estimated to report quarterly earnings at $4.36 per share on revenue of $976.14 million. 
• Herc Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HRI#NYSE">HRI</a>) is expected to report quarterly earnings at $2.21 per share on revenue of $847.18 million. 
• Peoples Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEBO#NASDAQ">PEBO</a>) is expected to report quarterly earnings at $0.73 per share on revenue of $113.55 million. 
• Mercantile Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MBWM#NASDAQ">MBWM</a>) is likely to report quarterly earnings at $1.19 per share on revenue of $57.70 million. 
• Lockheed Martin (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LMT#NYSE">LMT</a>) is expected to report quarterly earnings at $6.34 per share on revenue of $17.79 billion. 
• Northern Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NTRS#NASDAQ">NTRS</a>) is likely to report quarterly earnings at $1.85 per share on revenue of $1.95 billion. 
• RTX (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RTX#NYSE">RTX</a>) is projected to report quarterly earnings at $1.35 per share on revenue of $19.79 billion. 
• Verizon Communications (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VZ#NYSE">VZ</a>) is estimated to report quarterly earnings at $1.15 per share on revenue of $33.23 billion. 
• Moodys (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MCO#NYSE">MCO</a>) is estimated to report quarterly earnings at $3.54 per share on revenue of $1.88 billion. 
• Kimberly-Clark (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KMB#NYSE">KMB</a>) is estimated to report quarterly earnings at $1.89 per share on revenue of $4.88 billion. 
• Genuine Parts (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GPC#NYSE">GPC</a>) is estimated to report quarterly earnings at $1.68 per share on revenue of $5.83 billion. 
• Pentair (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PNR#NYSE">PNR</a>) is estimated to report quarterly earnings at $1.01 per share on revenue of $988.89 million. 
• Quest Diagnostics (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DGX#NYSE">DGX</a>) is expected to report quarterly earnings at $2.15 per share on revenue of $2.63 billion. 
• Halliburton (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HAL#NYSE">HAL</a>) is estimated to report quarterly earnings at $0.60 per share on revenue of $5.28 billion. 
• MSCI (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MSCI#NYSE">MSCI</a>) is projected to report quarterly earnings at $3.91 per share on revenue of $744.21 million. 
• Northrop Grumman (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NOC#NYSE">NOC</a>) is projected to report quarterly earnings at $6.26 per share on revenue of $9.93 billion. 
• 3M (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MMM#NYSE">MMM</a>) is expected to report quarterly earnings at $1.77 per share on revenue of $5.75 billion. 
• Equifax (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EFX#NYSE">EFX</a>) is projected to report quarterly earnings at $1.40 per share on revenue of $1.42 billion. 
• PulteGroup (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PHM#NYSE">PHM</a>) is expected to report quarterly earnings at $2.42 per share on revenue of $3.82 billion. 
• GE Aerospace (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GE#NYSE">GE</a>) is estimated to report quarterly earnings at $1.26 per share on revenue of $9.00 billion. 
• Elevance Health (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ELV#NYSE">ELV</a>) is projected to report quarterly earnings at $11.38 per share on revenue of $46.29 billion. 
• Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) is estimated to report quarterly earnings at $1.67 per share on revenue of $4.56 billion. 
• Danaher (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DHR#NYSE">DHR</a>) is expected to report quarterly earnings at $1.64 per share on revenue of $5.58 billion. 
• Lotus Technology (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LOT#NASDAQ">LOT</a>) is estimated to report earnings for its fourth quarter. 
• United Community Banks (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UCB#NYSE">UCB</a>) is projected to report quarterly earnings at $0.56 per share on revenue of $247.09 million. 
• Invesco (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IVZ#NYSE">IVZ</a>) is likely to report quarterly earnings at $0.38 per share on revenue of $1.11 billion. 
• Iridium Communications (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/IRDM#NASDAQ">IRDM</a>) is estimated to report quarterly earnings at $0.28 per share on revenue of $211.78 million. 
• Hope Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOPE#NASDAQ">HOPE</a>) is expected to report quarterly earnings at $0.19 per share on revenue of $114.97 million. 
• Dime Community Bancshares (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DCOM#NASDAQ">DCOM</a>) is expected to report quarterly earnings at $0.58 per share on revenue of $105.70 million. 
• Old National (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ONB#NASDAQ">ONB</a>) is estimated to report quarterly earnings at $0.43 per share on revenue of $478.24 million. 
<h3>Companies Reporting After The Bell</h3>
• SAP (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SAP#NYSE">SAP</a>) is expected to report quarterly earnings at $1.42 per share on revenue of $9.07 billion. 
• Capital One Finl (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>) is projected to report quarterly earnings at $3.75 per share on revenue of $10.06 billion. 
• Chubb (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CB#NYSE">CB</a>) is estimated to report quarterly earnings at $3.22 per share on revenue of $11.22 billion. 
• Orrstown Financial Servs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ORRF#NASDAQ">ORRF</a>) is estimated to report quarterly earnings at $0.93 per share on revenue of $54.62 million. 
• Pathward Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CASH#NASDAQ">CASH</a>) is expected to report quarterly earnings at $2.78 per share on revenue of $259.27 million. 
• First Bank (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FRBA#NASDAQ">FRBA</a>) is expected to report quarterly earnings at $0.39 per share on revenue of $32.78 million. 
• Renasant (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RNST#NYSE">RNST</a>) is expected to report quarterly earnings at $0.61 per share on revenue of $170.28 million. 
• Steel Dynamics (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STLD#NASDAQ">STLD</a>) is estimated to report quarterly earnings at $1.85 per share on revenue of $4.24 billion. 
• Intuitive Surgical (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ISRG#NASDAQ">ISRG</a>) is estimated to report quarterly earnings at $1.73 per share on revenue of $2.19 billion. 
• EQT (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EQT#NYSE">EQT</a>) is likely to report quarterly earnings at $0.91 per share on revenue of $2.00 billion. 
• Packaging Corp of America (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PKG#NYSE">PKG</a>) is estimated to report quarterly earnings at $2.22 per share on revenue of $2.12 billion. 
• PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) is expected to report quarterly earnings at $2.82 per share on revenue of $517.92 million. 
• PennyMac Mortgage IT (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PMT#NYSE">PMT</a>) is expected to report quarterly earnings at $0.39 per share on revenue of $92.33 million. 
• QCR Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QCRH#NASDAQ">QCRH</a>) is expected to report quarterly earnings at $1.51 per share on revenue of $94.26 million. 
• Hanmi Financial (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HAFC#NASDAQ">HAFC</a>) is expected to report quarterly earnings at $0.57 per share on revenue of $63.43 million. 
• Monarch Casino &amp; Resort (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MCRI#NASDAQ">MCRI</a>) is likely to report quarterly earnings at $1.03 per share on revenue of $123.82 million. 
• Pegasystems (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEGA#NASDAQ">PEGA</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $357.20 million. 
• Baker Hughes (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BKR#NASDAQ">BKR</a>) is likely to report quarterly earnings at $0.48 per share on revenue of $6.52 billion. 
• Zurn Elkay Water Solns (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ZWS#NYSE">ZWS</a>) is estimated to report quarterly earnings at $0.29 per share on revenue of $383.55 million. 
• Usana Health Sciences (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/USNA#NYSE">USNA</a>) is expected to report quarterly earnings at $0.74 per share on revenue of $243.08 million. 
• Veritex Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VBTX#NASDAQ">VBTX</a>) is expected to report quarterly earnings at $0.51 per share on revenue of $110.68 million. 
• Enphase Energy (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ENPH#NASDAQ">ENPH</a>) is expected to report quarterly earnings at $0.76 per share on revenue of $361.15 million. 
• First Busey (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BUSE#NASDAQ">BUSE</a>) is expected to report quarterly earnings at $0.50 per share on revenue of $117.56 million. 
• West Fraser Timber (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFG#NYSE">WFG</a>) is expected to report quarterly earnings at $0.56 per share on revenue of $1.53 billion. 
• Weatherford International (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WFRD#NASDAQ">WFRD</a>) is likely to report quarterly earnings at $0.89 per share on revenue of $1.21 billion. 
• Range Resources (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RRC#NYSE">RRC</a>) is projected to report quarterly earnings at $0.89 per share on revenue of $803.02 million. 
• Agree Realty (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ADC#NYSE">ADC</a>) is expected to report quarterly earnings at $1.05 per share on revenue of $166.00 million. 
• National Bank Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NBHC#NYSE">NBHC</a>) is likely to report quarterly earnings at $0.75 per share on revenue of $107.47 million. 
• Brandywine Realty Tr (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BDN#NYSE">BDN</a>) is projected to report quarterly earnings at $0.16 per share on revenue of $119.45 million. 
• MIND Technology (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MIND#NASDAQ">MIND</a>) is expected to report quarterly earnings at $0.18 per share on revenue of $12.20 million. 
• Manhattan Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MANH#NASDAQ">MANH</a>) is estimated to report quarterly earnings at $1.13 per share on revenue of $273.47 million. 
• Trustmark (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TRMK#NASDAQ">TRMK</a>) is estimated to report quarterly earnings at $0.82 per share on revenue of $195.35 million. 
• Tesla (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TSLA#NASDAQ">TSLA</a>) is estimated to report quarterly earnings at $0.46 per share on revenue of $22.46 billion. 
• East West Bancorp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EWBC#NASDAQ">EWBC</a>) is expected to report quarterly earnings at $2.06 per share on revenue of $652.47 million. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

BUSE

CASH

DCOM

streetTRACKS Dow Jones U.S. Large Cap Value Index Fund

ENPH

EWBC

FRBA

HAFC

HOPE

IRDM

ISRG

MANH

MBWM

MCRI

MIND

MSCI

NBHC

NTRS

ORRF

PEBO

PEGA

QCRH

RNST

STLD

TRMK

TSLA

USNA

VBTX

WFRD

Earnings Scheduled For April 22, 2025

PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) is gearing up to announce its quarterly earnings on Tuesday, 2025-04-22. Here's a quick overview of what investors should know before the release.
Analysts are estimating that PennyMac Financial Servs will report an earnings per share (EPS) of $2.82.
The market awaits PennyMac Financial Servs's announcement, with hopes high for news of surpassing estimates and providing upbeat guidance for the next quarter.
It's important for new investors to understand that guidance can be a significant driver of stock prices.
<h3>Past Earnings Performance</h3>
In the previous earnings release, the company missed EPS by $0.14, leading to a 8.82% drop in the share price the following trading session.
Here's a look at PennyMac Financial Servs's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q4 2024</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>3.02</td>
<td>2.90</td>
<td>2.58</td>
<td>2.31</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>2.88</td>
<td>3.49</td>
<td>2.67</td>
<td>2.48</td>
</tr>
<tr>
<td>Price Change %</td>
<td>-9.0%</td>
<td>-3.0%</td>
<td>-4.0%</td>
<td>-6.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2025/1745254880_0.png" alt="eps graph" />
<h3>Stock Performance</h3>
Shares of PennyMac Financial Servs were trading at $97.06 as of April 18. Over the last 52-week period, shares are up 1.54%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. 
<h3>Analyst Observations about PennyMac Financial Servs</h3>
For investors, grasping market sentiments and expectations in the industry is vital. This analysis explores the latest insights regarding PennyMac Financial Servs.
Analysts have provided PennyMac Financial Servs with 3 ratings, resulting in a consensus rating of Outperform. The average one-year price target stands at $118.0, suggesting a potential 21.57% upside.
<h3>Peer Ratings Comparison</h3>
The following analysis focuses on the analyst ratings and average 1-year price targets of Mr. Cooper Gr and Walker &amp; Dunlop, three prominent industry players, providing insights into their relative performance expectations and market positioning.
<ul>
<li>Analysts currently favor an Outperform trajectory for Mr. Cooper Gr, with an average 1-year price target of $132.56, suggesting a potential 36.58% upside.</li>
<li>Analysts currently favor an Outperform trajectory for Walker &amp; Dunlop, with an average 1-year price target of $101.67, suggesting a potential 4.75% upside.</li>
</ul>
<h3>Summary of Peers Analysis</h3>
In the peer analysis summary, key metrics for Mr. Cooper Gr and Walker &amp; Dunlop are highlighted, providing an understanding of their respective standings within the industry and offering insights into their market positions and comparative performance.

<table>
<thead>
<tr>
<th>Company</th>
<th>Consensus</th>
<th>Revenue Growth</th>
<th>Gross Profit</th>
<th>Return on Equity</th>
</tr>
</thead>
<tbody>
<tr>
<td>PennyMac Financial Servs</td>
<td>Outperform</td>
<td>31.21%</td>
<td>$281.12M</td>
<td>2.76%</td>
</tr>
<tr>
<td>Mr. Cooper Gr</td>
<td>Outperform</td>
<td>54.53%</td>
<td>$464M</td>
<td>4.32%</td>
</tr>
<tr>
<td>Walker &amp; Dunlop</td>
<td>Outperform</td>
<td>24.46%</td>
<td>$156.35M</td>
<td>2.45%</td>
</tr>
</tbody>
</table>

Key Takeaway:
PennyMac Financial Servs ranks highest in gross profit among its peers. It is in the middle for consensus rating and revenue growth. However, it has the lowest return on equity compared to its peers.
<h3>Delving into PennyMac Financial Servs's Background</h3>
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.
<h3>A Deep Dive into PennyMac Financial Servs's Financials</h3>
Market Capitalization: Surpassing industry standards, the company's market capitalization asserts its dominance in terms of size, suggesting a robust market position.
Revenue Growth: PennyMac Financial Servs displayed positive results in 3 months. As of 31 December, 2024, the company achieved a solid revenue growth rate of approximately 31.21%. This indicates a notable increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: PennyMac Financial Servs's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 14.96%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): PennyMac Financial Servs's ROE excels beyond industry benchmarks, reaching 2.76%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): PennyMac Financial Servs's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.43%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 5.37.
<a href="https://www.benzinga.com/quote/PFSI/earnings">To track all earnings releases for PennyMac Financial Servs visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Earnings Preview For PennyMac Financial Servs

UBS analyst Douglas Harter maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Neutral and lowers the price target from $115 to $110.

UBS Maintains Neutral on PennyMac Financial Servs, Lowers Price Target to $110

Keefe, Bruyette &amp; Woods analyst George Bose upgrades PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) from Market Perform to Outperform and maintains the price target from $114 to $114.

Upgrades

Keefe, Bruyette & Woods Upgrades PennyMac Financial Servs to Outperform, Maintains Price Target to $114

Reported Earlier, PennyMac Mortgage Investment Trust Prices $150M Public Offering Of 9.00% Senior Notes Due 2030

PennyMac Financial Services Announced $650M Senior Notes Due 2033 Offering, Guaranteed By Domestic Subsidiaries, For Debt Repayment And Corporate Purposes

WIIM

PennyMac Financial shares are trading lower after Piper Sandler cut its price target on the stock from $132 to $130.

Piper Sandler analyst Crispin Love maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and lowers the price target from $132 to $130.

Piper Sandler Maintains Overweight on PennyMac Financial Servs, Lowers Price Target to $130

The Q4 earnings report for PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) was released on Thursday, January 30, 2025 at 04:15 PM.
Here's what investors need to know about the latest announcement.
<h3>Earnings</h3>
PennyMac Financial Servs missed estimated earnings by -5.0%, reporting an EPS of $2.88 versus an estimate of $3.02.
Revenue was up $108.17 million from the same period last year.
<h3>Earnings History Overview</h3>
During the previous quarter, the company beat on EPS by $0.59, leading to a 3.0% drop share price change the next day.
Here's a look at PennyMac Financial Servs's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>2.90</td>
<td>2.58</td>
<td>2.31</td>
<td>1.49</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>3.49</td>
<td>2.67</td>
<td>2.48</td>
<td>2.63</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>511.41M</td>
<td>466.57M</td>
<td>432.42M</td>
<td>411.45M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>411.83M</td>
<td>406.13M</td>
<td>305.66M</td>
<td>361.94M</td>
</tr>
</tbody>
</table>

To track all earnings releases for PennyMac Financial Servs <a href="https://www.benzinga.com/quote/PFSI/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

PennyMac Financial Servs: Q4 Earnings Insights

PennyMac Financial Servs Q4 2024 GAAP EPS $1.95 May Not Compare To $3.12 Estimate

AAPL

ABCB

ALGM

APPF

Adtalem Global Education Inc. Common Stock

ATGE

BAFN

BBVA

BHLB

BOOT

CACC

CHKP

CIVB

CMCSA

CNOB

COUR

CSWI

CVCO

DECK

FBIZ

FCFS

FFWM

FINW

FISI

FLWS

FRME

GSIT

INTC

KLAC

KRNY

LPLA

MBLY

MBUU

NTCT

ONEW

REAL

SCSC

SHEL

SILC

SIRI

SKYW

STBA

STEL

Earnings Scheduled For January 30, 2025

Keefe, Bruyette &amp; Woods analyst George Bose maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Market Perform and lowers the price target from $112 to $111.

Keefe, Bruyette & Woods Maintains Market Perform on PennyMac Financial Servs, Lowers Price Target to $111

PennyMac Financial Servs's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) short percent of float has fallen 10.58% since its last report. The company recently reported that it has 1.17 million shares sold short, which is 4.14% of all regular shares that are available for trading. Based on its trading volume, it would take traders 3.69 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock/">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest">List of the most shorted stocks</a>
<h3>PennyMac Financial Servs Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1733317222_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for PennyMac Financial Servs has declined since its last report. This does not mean that the stock is going to rise in the near-term but traders should be aware that less shares are being shorted.
<h3>Comparing PennyMac Financial Servs's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://pro.benzinga.com/">Benzinga Pro</a>, PennyMac Financial Servs's peer group average for short interest as a percentage of float is 4.27%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze/">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

Trading Ideas

(PFSI) - Analyzing PennyMac Financial Servs's Short Interest

Wells Fargo analyst Michael Kaye maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and raises the price target from $110 to $125.

Wells Fargo Maintains Overweight on PennyMac Financial Servs, Raises Price Target to $125

Wedbush analyst Jay McCanless reiterates PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Outperform and maintains $130 price target.

Reiteration

Wedbush Reiterates Outperform on PennyMac Financial Servs, Maintains $130 Price Target

Piper Sandler analyst Crispin Love maintains PennyMac Financial Servs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFSI#NYSE">PFSI</a>) with a Overweight and raises the price target from $125 to $132.

Piper Sandler Maintains Overweight on PennyMac Financial Servs, Raises Price Target to $132

Press Releases

PennyMac Mortgage Investment Trust Declares First Quarter 2025 Dividend for Its Common Shares

Pennymac Hires Isaac Boltansky as Managing Director, Head of Public Policy

PennyMac Mortgage Investment Trust Announces Date for Release of First Quarter 2025 Results

PennyMac Financial Services, Inc. Announces Date for Release of First Quarter 2025 Results

PennyMac Mortgage Investment Trust Reports First Quarter 2025 Results

PennyMac Financial Services, Inc. Reports First Quarter 2025 Results

4 Mortgage Stocks Primed to Surge as the Market Rebounds

PennyMac Financial Services, Inc. Announces Proposed Private Offering of $650 Million of Senior Notes

PennyMac Financial Services, Inc. Announces Upsizing and Pricing of Private Offering of $850 Million of Senior Notes

PennyMac Mortgage Investment Trust Declares Second Quarter 2025 Dividends for Its Preferred Shares

PAPL

UWMC

Enact Holdings

Federal Agricultural Mortgage Corporation Common Stock

Federal Agricultural

Better Home & Finance Holding Company - Class A Common Stock

Better Home & Finance

Mr. Cooper Gr

Essent Group

Finance of America Companies Inc. Class A Common Stock

Finance of America

Greystone Housing Impact Investors LP Beneficial Unit Certificates representing assignments of limited partnership interests

Comments

PennyMac Financial Servs

Notizie

PARTENAIRE / CONTRIBUTEUR

BENZINGA MONDIAL