PennyMac Financial Services, Inc.
PFSIFinancial ServicesNASDAQMortgage Finance
Scan Results
Daily timeframePennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The $3.31B market capitalization puts PFSI squarely in mid-cap range for its industry. The company operates through two segments, Production and Servicing.
Market Cap
$3.31B
Beta
1.45
P/E (TTM)
8.76
P/E (Fwd)
6.18
EPS (TTM)
$7.27
EPS (Fwd)
$10.30
ROE
9.4%
ROA
1.5%
Cash
$416.0M
Total Debt
$23.83B
Free CF
—
52W Change
-52.1%
Annual Financials
Cash vs Debt
Where PFSI stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, PFSI finished 25.54% below its 150-day moving average ($79.51) and 32.29% below its 200-day moving average ($87.43). 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 October 20, 2026 close, PFSI's RSI(14) was 35.8, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, PFSI has $416.0M in cash with $23.83B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 9.4% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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. No single metric tells the full story. Reviewing PFSI's risk profile alongside its fundamentals and technical indicators provides a more complete picture.