PennyMac Financial Services Inc is a United States-based financial services company primarily engaged in mortgage lending. The company operates through three segments: production, servicing, and investment management. The company's production and servicing segment together form the mortgage banking business that includes mortgage loan origination, acquisition, and sale activities; while the investment management segment includes investment manager's activities, such as performing diligence, and managing acquired assets. The company generates the majority of revenue from its mortgage banking business.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.06
Equity-to-Asset	0.18
Debt-to-Equity	4.12
Debt-to-EBITDA	34.38
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.83	Distress Grey Safe
Beneish M-Score	-2.44	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-8.3
	3-Year EBITDA Growth Rate	-34.7
	3-Year EPS without NRI Growth Rate	-36.8
	3-Year FCF Growth Rate	27.3
	3-Year Book Growth Rate	13.8
	Future 3-5Y Total Revenue Growth Rate	7.01

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	68.26
	9-Day RSI	59.77
	14-Day RSI	56.39
	6-1 Month Momentum %	21.76
	12-1 Month Momentum %	49.7

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.65
	Quick Ratio	1.65
	Cash Ratio	0.13
	Days Sales Outstanding	23.72
	Days Payable	125.92

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.88
	Dividend Payout Ratio	0.16
	3-Year Dividend Growth Rate	14
	Forward Dividend Yield %	0.88
	5-Year Yield-on-Cost %	0.88
	3-Year Average Share Buyback Ratio	10.9
	Shareholder Yield %	-40.52

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	42.93
	Operating Margin %	16.56
	Net Margin %	7.11
	FCF Margin %	34.94
	ROE %	4.36
	ROA %	0.8
	ROIC %	1.77
	ROC (Joel Greenblatt) %	476.52
	ROCE %	2.75
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	31.54
	Forward PE Ratio	8.53
	PE Ratio without NRI	17.98
	Shiller PE Ratio	11.94
	Price-to-Owner-Earnings	60.92
	PEG Ratio	3.67
	PS Ratio	2.16
	PB Ratio	1.3
	Price-to-Free-Cash-Flow	5.95
	Price-to-Operating-Cash-Flow	5.74
	EV-to-EBIT	51.03
	EV-to-EBITDA	42.69
	EV-to-Revenue	8.45
	EV-to-Forward-Revenue	9.77
	EV-to-FCF	24.18
	Price-to-Median-PS-Value	1.38
	Price-to-Peter-Lynch-Fair-Value	2.58
	Earnings Yield (Greenblatt) %	1.96
	FCF Yield %	16.31
	Forward Rate of Return (Yacktman) %	2.48

GF Value: $65.37

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