PennyMac Financial Services Inc. Common Stock (PFSI)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

PennyMac is a mortgage banker and servicer, a business I understand as cyclical and capital-intensive rather than a wide-moat franchise. The numbers show why. FairStock's price data at the 2026-10-13 close of $59.29 put it at 8.16 times earnings and only 0.71 times book. That looks statistically cheap. Return on equity is 9.38%, acceptable but not exceptional, and return on capital employed is just 1.45%, which tells me the leverage is doing much of the work. Debt-to-equity of 5.49 confirms a highly borrowed balance sheet, common for mortgage finance but unforgiving when credit or rates turn.

In plain English: PennyMac makes and services home loans. Its profits have been uneven and have fallen a lot recently, and the company uses a lot of borrowed money, which makes it riskier. The stock looks cheap compared with its accounting value and past profits, but that may be because the mortgage business is so up and down.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer