PFSI · PennyMac Financial Services, Inc.
$74.67
-1.20 (-1.58%)
At close · Jul 31
Market Cap
$3.94B
Shares
51.92M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$75.87
Open$77.72
Day$71.68–77.78
52W$71.68–159.83
Avg vol 30d542K
Short int2.4M · 4.6% float · 5.2d
Short vol77%
Last earningsJul 29, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 5
Up next
Next earnings call
Oct 31, 2026
Est · unconfirmed
· in 13 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 5, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Sell
SellHoldBuy
Technical
Strong Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 17.1 · elevated
Equity put/call 0.61
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−27%
below
Price vs 50-day avg
−9%
below
RSI (14)
34
neutral
MACD trend
Negative
52-week position
5%
near low
Momentum
relative strength
1-month return
−11%
trailing
6-month return
−22%
trailing
YTD return
−42%
this year
Relative strength
−31%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $83 › 200d $105 — 200d above 50d
Institutional flow
Distributing
41 of 238 funds reported for Jun 30 · net -6.1K sh shares · +7 new
Insider flow
Distributing
Net -$1.1M over 90 days · 100% sells
Short interest
Falling
4.64% of float · ▼ -1.0% MoM · 5.2 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
238 holders — mid 3-yr range
Squeeze score
52
elevated · 0–100
Fundamentals
Revenue growth
+3%
Y/Y
EPS growth
+59%
Y/Y
Free cash flow
$-1.7B
Valuation
P/E 8.1
below peers
Buyback
$2.0B
authorized
Balance sheet
$6.2B
net debt
Quant / Vol
risk profile
Volatility
47%
annualized · 1-yr
Max drawdown
−52%
past year
ATR
4.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
annualized
Annualized cost savings
$60M
by the end of the third quarter
Processing costs to produce a loan (additional reduction)
20%
by year-end 2027
Origination tasks completed by automated logic or AI agents
Initiated
80%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−27%
Bearish
Price vs 50-day avg
−9%
Bearish
RSI (14)
34
Neutral
MACD trend
Negative
Bearish
52-week position
5%
Bearish
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $83 › 200d $105 — 200d above 50d
Institutional flow
Distributing
41 of 238 funds reported for Jun 30 · net -6.1K sh shares · +7 new
Insider flow
Distributing
Net -$1.1M over 90 days · 100% sells
Short interest
Falling
4.64% of float · ▼ -1.0% MoM · 5.2 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
238 holders — mid 3-yr range
Price context
position in its 52-week range
52-wk low $72
Now $76 · 5%
52-wk high $160
vs 200-day avg -27%
vs 50-day avg -9%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| 60+ Day Delinquency (owned portfolio, at period end) | 4.1% | 2Q26 | — |
| Actual CPR (owned portfolio) | 11.6% | 2Q26 | — |
| Annualized adjusted ROE non-GAAP | 7% | 2Q26 | — |
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| Annualized return on equity (ROE) | 2% | 2Q26 | — |
| Book value per share | $83.49 | 2Q26 | — |
| Broker Direct | 6.5B | 2Q26 | — |
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| Consumer Direct | 4.5B | 2Q26 | — |
| Consumer direct originations | 5.6B | 2Q26 | — |
| Correspondent | 20.5B | 2Q26 | — |
| Owned servicing portfolio | 488B | 2Q26 | — |
| Pretax income as basis points of fallout adjusted locks | 12 | 2Q26 | — |
| Pretax income excluding valuation-related changes non-GAAP | 99M | 2Q26 | — |
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| Production segment pretax income | 38M | 2Q26 | — |
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| Servicing segment pretax income | 22M | 2Q26 | — |
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| Subservicing | 235B | 2Q26 | — |
| Total fallout adjusted locks | 31.5B | 2Q26 | — |
| Total loan acquisitions and originations | 34.9B | 2Q26 | — |
| Total UPB (Servicing portfolio) | 731B | 2Q26 | — |
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| Production revenue margins, including fulfillment fees from PMT | 86 | the first quarter of 2026 | — |
| Return on equity (annualized) | 8% | the first quarter of 2026 | — |
| Total correspondent acquisitions | $24.4B | the first quarter of 2026 | — |
| Total locks, including those for PMT | $44.8B | the first quarter of 2026 | — |
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| Correspondent acquisitions of conventional conforming and non-Agency eligible loans fulfilled fo | $3.7B | Q4 2025 | — |
| Correspondent lock volume for PMT's account | $4.1B | Q4 2025 | — |
| Correspondent locks for PFSI and direct lending IRLCs | $42.8B | Q4 2025 | — |
| Servicing portfolio UPB | $733.6B | Full-Year 2025 | — |
| Subservicing UPB | $262.6B | Q4 2025 | — |
| Total loan production | $145.5B | Full-Year 2025 | — |
| Total loan production volume for PFSI's own account | $38.5B | Q4 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Mortgage Finance — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PFSI
this stock
PennyMac Financial Services, Inc.
|
$3.94B | -42.3% | -29.4% | 8.1 | 4.6% |
|
RKT
Rocket Companies, Inc.
|
$37.52B | -31.5% | +31.2% | 102.0 | 4.8% |
|
FNMA
Federal National Mortgage Association Fannie Mae
|
$6.87B | -44.1% | -0.4% | 593.0 | 1.3% |
|
FMCC
Federal Home Loan Mortgage Corp
|
$3.61B | -44.7% | -2.7% | — | 1.5% |
|
UWMC
UWM Holdings Corp
|
$2.98B | -56.4% | -8.7% | 5.6 | 4.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PFSI | -8.2% | -10.6% | -21.9% | -12.9% | -42.3% |
| SPY | +0.5% | -0.6% | +9.5% | -0.7% | +8.8% |
| vs SPY | -8.6% | -10.0% | -31.4% | -12.2% | -51.0% |
Capital returns
Latest dividend
$0.30
/ share · ex May 18, 2026
Paid (TTM)
$1.20
/ share · 4 payouts
Dividend yield (TTM, derived)
1.58%
Buyback program
· as of Mar 31, 2026
Authorized
$2.00B
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1745916
CUSIP
70932M107
13F (30d)
39 filings
38 filers
Visit website
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