Nama's AI scorecard currently rates PennyMac Financial Services Sell (3.0 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is PFSI's P/E ratio?

PennyMac Financial Services trades at a trailing price-to-earnings ratio of 9.9.

When does PFSI report earnings?

PennyMac Financial Services's next scheduled report is on Jan 28, 2027. Analysts expect EPS of $1.05.

What is the PFSI price target?

The median analyst price target from 6 analysts is $73.50, with a range of $60.00 – $85.00.

Is PFSI Shariah compliant?

Nama's AAOIFI-style screen reads PennyMac Financial Services as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Does PFSI pay a dividend?

Yes — PennyMac Financial Services's dividend yield is 1.8%.

Nama Insights

PennyMac Financial Services (PFSI)

Financial Services · Mortgage Finance · NYSE

PennyMac Financial Services (PFSI) is a Financial Services company in the Mortgage Finance industry. It has a market capitalization of $3.41B, a trailing price-to-earnings ratio of 9.9 and a free-cash-flow yield of -48.2%. Over the most recent reported fiscal year, revenue grew 55.3%. Nama's AI scorecard rates it Sell, 3.0 out of 10. On 12-month momentum it ranks in the trailing band of its market.

AI scorecard

Sell · 3.0/10

Negative, at the mild end of Sell. As of Nov 7, 2026.

Momentum

Trailing · -51.1% over 12 months ex. last

Bottom 20% of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-59.1%

How far the last close sits under the highest price of the past five years.

Market cap	$3.41B
Trailing P/E	9.9
Price / book	0.8
Price / sales	1.9
FCF yield	-48.2%
Dividend yield	1.8%
Gross margin	59.8%
Operating margin	10.1%
Net margin	7.8%
Revenue growth (YoY)	+55.3%
Revenue growth (3-yr annual)	+23.9%
EPS growth (YoY)	+8.0%
FCF/share growth (YoY)	—
Beta	1.4
Exchange	NYSE
Sector	Financial Services
Industry	Mortgage Finance

PFSI earnings

Next report: Jan 28, 2027 (Q4 2026, EPS estimate $1.05). Beat the EPS estimate in 1 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 29, 2026	$1.05	$1.23	-14.6%	$722.90M
Q2 2026	Jul 29, 2026	$1.39	$2.15	-35.4%	$972.18M
Q1 2026	May 5, 2026	$2.19	$2.14	+2.3%	$966.74M
Q4 2025	Jan 29, 2026	$1.96	$3.23	-39.3%	$2.21B

PFSI analyst price target

Median target $73.50 from 6 analysts, ranging $60.00 – $85.00.

Mortgage Finance peers

Ticker	Company	Market cap	P/E
RKT	Rocket Companies	$42.74B	26.4
UWMC	UWM Holdings	$2.97B	—
WD	Walker & Dunlop	$1.34B	11.4

Explore live PFSI data on Nama Insights →

PFSI FAQ

Is PFSI a buy?: Nama's AI scorecard currently rates PennyMac Financial Services Sell (3.0 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is PFSI's P/E ratio?: PennyMac Financial Services trades at a trailing price-to-earnings ratio of 9.9.
When does PFSI report earnings?: PennyMac Financial Services's next scheduled report is on Jan 28, 2027. Analysts expect EPS of $1.05.
What is the PFSI price target?: The median analyst price target from 6 analysts is $73.50, with a range of $60.00 – $85.00.
Is PFSI Shariah compliant?: Nama's AAOIFI-style screen reads PennyMac Financial Services as Not Shariah Compliant. At least one of the three ratios or the industry test failed.
Does PFSI pay a dividend?: Yes — PennyMac Financial Services's dividend yield is 1.8%.