PennyMac Financial Services Inc
NYSE:PFSI

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PennyMac Financial Services Inc
NYSE:PFSI
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Price: 101.66 USD 1.56% Market Closed
Market Cap: 5.2B USD
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Relative Value

The Relative Value of one PFSI stock under the Base Case scenario is 165.14 USD. Compared to the current market price of 101.66 USD, PennyMac Financial Services Inc is Undervalued by 38%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

PFSI Relative Value
Base Case
165.14 USD
Undervaluation 38%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

vs History
3
vs Industry
54
Median 3Y
1.5
Median 5Y
1.2
Industry
3.1
Forward
3
vs History
1
vs Industry
14
Median 3Y
9.3
Median 5Y
4.3
Industry
15.3
Forward
13.9
vs History
vs Industry
34
Median 3Y
0.3
Median 5Y
-0.8
Industry
10.2
vs History
1
vs Industry
45
Median 3Y
1.9
Median 5Y
1.5
Industry
12.7
vs History
4
vs Industry
34
Median 3Y
1
Median 5Y
1.1
Industry
1.3
vs History
3
vs Industry
32
Median 3Y
5.5
Median 5Y
4.1
Industry
4.8
Forward
9.9
vs History
1
vs Industry
31
Median 3Y
7.4
Median 5Y
4.4
Industry
7
vs History
1
vs Industry
17
Median 3Y
23.8
Median 5Y
10.3
Industry
14.2
Forward
23.7
vs History
1
vs Industry
12
Median 3Y
25.9
Median 5Y
10.6
Industry
14.6
Forward
34.4
vs History
vs Industry
20
Median 3Y
1
Median 5Y
-2.8
Industry
12.4
vs History
vs Industry
20
Median 3Y
1
Median 5Y
-2.8
Industry
13.5
vs History
23
vs Industry
48
Median 3Y
0.7
Median 5Y
0.7
Industry
0.9

Multiples Across Competitors

PFSI Competitors Multiples
PennyMac Financial Services Inc Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
US
PennyMac Financial Services Inc
NYSE:PFSI
5.2B USD 2.3 30.6 62.4 78.5
US
Rocket Companies Inc
NYSE:RKT
23.6B USD 5.4 -1 557 75.9 97.8
US
UWM Holdings Corp
NYSE:UWMC
9.4B USD 3.8 -435.2 16.1 16.8
US
Mr Cooper Group Inc
NASDAQ:COOP
6.1B USD 3.1 11.9 20.2 21.2
US
MGIC Investment Corp
NYSE:MTG
6.1B USD 5.1 7.9 6.3 6.4
BM
Essent Group Ltd
NYSE:ESNT
5.7B USD 4.6 7.7 6.7 6.7
US
Enact Holdings Inc
NASDAQ:ACT
5.1B USD 4.3 7.5 5.5 5.5
US
Radian Group Inc
NYSE:RDN
4.8B USD 3.7 8 7 7.4
US
New York Community Bancorp Inc
NYSE:NYCB
4.6B USD 1.4 -1.5 58.6 0
US
Axos Financial Inc
NYSE:AX
4.1B USD 3.3 8.5 157.3 0
IN
LIC Housing Finance Ltd
NSE:LICHSGFIN
320.3B INR 1.2 6.6 38.4 38.9
P/E Multiple
Earnings Growth P/E to Growth
US
PennyMac Financial Services Inc
NYSE:PFSI
Average P/E: 11.1
30.6
471%
0.1
US
Rocket Companies Inc
NYSE:RKT
Negative Multiple: -1 557 N/A N/A
US
UWM Holdings Corp
NYSE:UWMC
Negative Multiple: -435.2 N/A N/A
US
Mr Cooper Group Inc
NASDAQ:COOP
11.9
96%
0.1
US
MGIC Investment Corp
NYSE:MTG
7.9
5%
1.6
BM
Essent Group Ltd
NYSE:ESNT
7.7
12%
0.6
US
Enact Holdings Inc
NASDAQ:ACT
7.5
2%
4.3
US
Radian Group Inc
NYSE:RDN
8
-6%
N/A
US
New York Community Bancorp Inc
NYSE:NYCB
Negative Multiple: -1.5 N/A N/A
US
Axos Financial Inc
NYSE:AX
8.5
N/A N/A
IN
LIC Housing Finance Ltd
NSE:LICHSGFIN
6.6
N/A N/A

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