PennyMac Financial Services, Inc.
PFSIFinancial ServicesNASDAQMortgage Finance · Last scanned Sep 8, 2026
Scan Results
Daily timeframePennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. With a market capitalization of $3.81B, it sits in mid-cap territory. The company operates through two segments, Production and Servicing.
Market Cap
$3.81B
Beta
1.43
P/E (TTM)
10.08
P/E (Fwd)
6.58
EPS (TTM)
$7.27
EPS (Fwd)
$11.14
ROE
9.4%
ROA
1.5%
Cash
$416.0M
Total Debt
$23.83B
Free CF
—
52W Change
-39.3%
Annual Financials
Cash vs Debt
Where PFSI stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, PFSI finished 15.53% below its 150-day moving average ($85.45) and 26.19% below its 200-day moving average ($97.79). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is PFSI overbought or oversold?
At the September 3, 2026 close, PFSI's RSI(14) was 25.8, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $416.0M in cash, though total debt stands at $23.83B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 9.4%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $2.32B (2022) to $4.42B (2025), reflecting a 90% increase over the period.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence PennyMac Financial Services, Inc.'s trajectory.