PennyMac Financial Services Inc
NYSE:PFSI

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PennyMac Financial Services Inc
NYSE:PFSI
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Price: 102.11 USD -0.39% Market Closed
Market Cap: 5.3B USD

PennyMac Financial Services Inc
Net Income (Common)

Last Value
3-Years 3-Y CAGR
5-Years 5-Y CAGR
10-Years 10-Y CAGR
Quarterly
Annual
TTM
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PennyMac Financial Services Inc
Net Income (Common) Peer Comparison

Competitors Analysis
Latest Figures & CAGR of Competitors

Company Net Income (Common) CAGR 3Y CAGR 5Y CAGR 10Y
PennyMac Financial Services Inc
NYSE:PFSI
Net Income (Common)
$311.4m
CAGR 3-Years
-32%
CAGR 5-Years
-5%
CAGR 10-Years
24%
MGIC Investment Corp
NYSE:MTG
Net Income (Common)
$763m
CAGR 3-Years
6%
CAGR 5-Years
3%
CAGR 10-Years
12%
UWM Holdings Corp
NYSE:UWMC
Net Income (Common)
$14.4m
CAGR 3-Years
-47%
CAGR 5-Years
-49%
CAGR 10-Years
N/A
Rocket Companies Inc
NYSE:RKT
Net Income (Common)
$29.4m
CAGR 3-Years
-54%
CAGR 5-Years
N/A
CAGR 10-Years
N/A
Enact Holdings Inc
NASDAQ:ACT
Net Income (Common)
$688.1m
CAGR 3-Years
8%
CAGR 5-Years
0%
CAGR 10-Years
N/A
Mr Cooper Group Inc
NASDAQ:COOP
Net Income (Common)
$669m
CAGR 3-Years
-22%
CAGR 5-Years
20%
CAGR 10-Years
N/A

PennyMac Financial Services Inc
Glance View

Market Cap
5.2B USD
Industry
Financial Services

PennyMac Financial Services Inc., founded in 2008 amidst the turbulence of the global financial crisis, carved its path by capitalizing on the growing demand for mortgage-related services. Initially conceived as a counter-cyclical play, the company focused on investments in distressed mortgage assets as traditional lending tightened. Over time, it transformed into a comprehensive mortgage services firm, offering a spectrum of solutions across the home loan lifecycle. PennyMac operates through three segments: Production, Servicing, and Investment Management. The Production segment is the linchpin, engaging in the origination, acquisition, and sale of mortgage loans. It thrives on its ability to leverage sophisticated technology platforms and robust relationships with a network of brokers and consumers to capture market share in both thrift originations and correspondent lending. As PennyMac's mortgage portfolio swells, its Servicing segment kicks into high gear, generating recurring revenue by managing payments, delinquencies, and refinancings. This segment benefits from economies of scale and efficiency, stabilizing revenues even in fluctuating interest rate environments. Investment Management, albeit a smaller contributor, plays a strategic role, managing mortgage-related assets on behalf of institutional investors, thereby garnering fees and enhancing the firm's competitiveness. By intertwining these segments, PennyMac Financial Services has created a synergistic business model that not only drives profits but also propels growth and stability amidst an ever-evolving mortgage market landscape.

PFSI Intrinsic Value
188.09 USD
Undervaluation 46%
Intrinsic Value
Price

See Also

What is PennyMac Financial Services Inc's Net Income (Common)?
Net Income (Common)
311.4m USD

Based on the financial report for Dec 31, 2024, PennyMac Financial Services Inc's Net Income (Common) amounts to 311.4m USD.

What is PennyMac Financial Services Inc's Net Income (Common) growth rate?
Net Income (Common) CAGR 10Y
24%

Over the last year, the Net Income (Common) growth was 115%. The average annual Net Income (Common) growth rates for PennyMac Financial Services Inc have been -32% over the past three years , -5% over the past five years , and 24% over the past ten years .

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