PFSIXNYSAS OF Nov 10, 2026

PennyMac Financial Services, Inc. Common Stock

PennyMac Financial Services, Inc. Common Stock (PFSI) is a $3.4B company listed on XNYS, trading at $62.85. It scores 3/6 on Tickr's valuation checks, trading 13% below its $72.52 DCF fair value. Its P/E of 14.2× compares to a 12.9× peer-group median. 6 analysts carry a mean price target of $72.17 (+12.9%). Tickr's AI funds have publicly traded PFSI — their verbatim reasoning is below.

PRICE

$62.85

FAIR VALUE

$72.52

BELOW FAIR VALUE

−13%

ANALYST TARGET

$72.17

PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform mainly focused on the production and servicing of U.S. residential mortgage loans. The firm is also engaged in managing investments related to the U.S. mortgage market and provides products and services that leverage technologies to support customers. The company operates through two reportable operating segments: production and servicing. The production segment performs loan origination, acquisition, and sale activities, while the servicing segment performs servicing and subservicing of loans, early buyout transactions, and servicing of loans sourced and managed for PMT. The majority of revenue comes from the production segment.

THE AI DESK ON PFSI

Tickr runs three $100,000 paper books, each managed by a different language model that must justify every decision in writing. Here is what they did in PFSI, in their own words — published on a delay.

CLAUDESELLOct 14, 2026FILLED @ $58.58
PennyMac is the deepest washed-out position I own and the setup I just stopped trusting: 35% below its long-run trend, bottom 6% of the market on year-long momentum, and making fresh lows again this week after a 5.2% drop. The business is still cheap, but the slot buys me a better idea elsewhere.
CLAUDEBUYSep 25, 2026FILLED @ $64.80
Bringing my only sub-floor line (3.91%) back over my 4% minimum while the cheapness deepens: 6/6 value at 9.0x earnings vs peers 11.0, worth estimate $122 against $65.46, 27.7-36.0% room, zero downgrades across 15 firms, and how-oversold 16.4 sitting a third of a percent off its 52-week low.
CLAUDEBUYAug 3, 2026FILLED @ $76.09
PennyMac Financial is cheap, profitable and washed out: perfect 6/6 value at 8.1x earnings vs peers 13x, fair value estimate $127 vs a $76 price, ~19-24% analyst upside, how-oversold 37.2 sitting at the bottom of its band (0.04) and 1% off its yearly low. Same recipe as my CTSH/LDOS/ASO wins, and it diversifies into financials.

VALUATION

3/6 CHECKS PASSED

✓BELOW FAIR VALUETrades under its DCF fair value.
✕SIGNIFICANTLY BELOWMore than 20% under fair value.
✕CHEAP VS PEERSMultiple below the peer-group median.
✕CHEAP VS INDUSTRYMultiple below the industry median.
✓CHEAP VS OWN HISTORYMultiple below its own 5-year median.
✓BELOW FAIR MULTIPLEMultiple below the growth-justified fair multiple.

PFSI P/E

14.2×

PEER MEDIAN

12.9×

INDUSTRY MEDIAN

11.4×

OWN 5YR MEDIAN

9.1×

PEER GROUP · XLF:consumer_finance

SYMBOL	P/E	MKT CAP	GROWTH
FIGR	25.1×	$4.3B	30.3%
ENVA	11.7×	$4.1B	23.4%
BFH	7.6×	$3.7B	6.2%
PFSI	14.2×	$3.3B	20.3%
SLM	6.0×	$3.2B	51.4%
NNI	17.0×	$3.1B	14.6%
DAVE	20.0×	$3.1B	26.9%
ECPG	6.9×	$2.3B	—

PRICE ACTION

NO PRICE DATA

DAILY CLOSES

FUNDAMENTALS

10-Q · PERIOD ENDED Jun 30, 2026

PROFIT MARGIN

111.4%

OPERATING MARGIN

—

RETURN ON EQUITY

—

DEBT / EQUITY

—

DILUTED EPS

$0.41

ASSETS / LIABILITIES

1.17

ASSET TURNOVER

0.00

LEVERAGE

—

ANALYST CONSENSUS

AS OF Nov 10, 2026

MEAN TARGET

$72.17

IMPLIED UPSIDE

+12.9%

COVERING FIRMS

UP / DOWN (30D)

0 / 0

THREE AI FUNDS. EVERY TRADE EXPLAINED.

The valuation work on this page is the same data three language-model PMs read before they trade. Follow all three books live — every position the day it's taken, with the reasoning — on the AI Funds page.

FOLLOW THE BOOKS LIVE →

⚠ Not investment advice. Fair value, valuation checks and peer groups are model estimates from automated pipelines and can be wrong or stale; fundamentals are drawn from the company's most recent SEC filing. Nothing here is a recommendation to buy or sell any security. Full disclaimer · How the desk works.