PennyMac Financial Services Inc. (PFSI) carries a Roarable Rating of D- (Sell) with 41/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-02, PennyMac Financial Services Inc. (NYSE: PFSI) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 41/100 at a spot price of $62.92 (-2.31% 1D, market cap $3.35B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, PFSI ranks #917 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), PFSI carries a Roarable D- (41/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 11.6%. By comparison, SLM (SLM Corporation) holds a D- grade (38/100 RQD, P/E 4.5x, ROIC 7.4%, cap $3.34B) and GPGI (GPGI Inc. (Class A)) posts a E grade (22/100 RQD, P/E N/A, ROIC -6.5%, cap $3.36B). Among the 5-stock peer group, SLM leads on earnings multiple (4.5x) while PURR leads on capital efficiency (33.0% ROIC).
Per PFSI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001745916), PennyMac Financial Services Inc. generated $20.1M in revenue (-25.2% YoY), $501.0M in net income, and -$1.66B in free cash flow against $29.39B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9
SEC Form 4 / 13F Thermometer: 50% Net Buy • Cannibal Buyback (-0.68% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
While PFSI currently carries a cautious 41/100 (D-) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($65.75) and Max Pain ($66.07) forces dealer call-delta covering toward $168.38.
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
PennyMac Financial Services Inc. (PFSI) dropped -2.31% to $62.92, trading at 5% of its 52-week range ($57.52 – $160.36). Stretched risk/reward at 7x P/E (12% return on capital) under elevated 10-year interest-rate pressure.
Yahoo Finance report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
Analysts downgraded PFSI, CAMT, BLCO, COIN and FMNB; targets fell for PFSI, CAMT and COIN but rose for BLCO.
Analysts upgraded MHK and CRWD, downgraded PFSI, cut ABOS’s target, and raised targets for NRXP, REGN and NTSK.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -25.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PFSI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PFSI. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, PennyMac Financial Services Inc. (PFSI) ranks #917 by composite RQD confidence (41/100, grade D-) and #340 by equity capitalization ($3.35B). Within this direct 5-issuer industry benchmark cohort, SLM leads on earnings valuation at 4.5x trailing P/E, while PURR leads on capital efficiency and profitability with 33.0% ROIC and — gross margin. PURR currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with PFSI at 41/100 (D-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| PFSI
ACTIVE
PennyMac Financial Services Inc. | D- | 41/100 | 6.7x | — | 11.6% | -2.31% | $3.35B | Benchmark Subject |
| SLM SLM Corporation | D- | 38/100 | 4.5x | — | 7.4% | -2.47% | $3.34B | /slm-vs-pfsi → |
| GPGI GPGI Inc. (Class A) | E | 22/100 | — | — | -6.5% | -3.62% | $3.36B | /gpgi-vs-pfsi → |
| GBDC Golub Capital BDC Inc. | D- | 40/100 | 8.8x | — | 9.6% | -0.47% | $3.32B | /gbdc-vs-pfsi → |
| PURR Hyperliquid Strategies Inc | B- | 71/100 | 32.8x | — | 33.0% | -10.41% | $3.42B | /purr-vs-pfsi → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), PennyMac Financial Services Inc. (PFSI) reported GAAP revenue of $20.1M (-25.2% vs. FY2024 revenue of $26.9M , and +50.0% cumulative change since FY2023) , GAAP net income of $501.0M, operating cash flow of -$1.65B, and free cash flow of -$1.66B (+63.3% YoY). On the balance sheet, PFSI closed FY2025 with $29.39B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $20.1M | $501.0M | -$1.65B | -$1.66B | $29.39B | — |
| FY2024 (FY) | 2024-12-31 | $26.9M | $311.0M | -$4.53B | -$4.53B | $26.09B | — |
| FY2023 (FY) | 2023-12-31 | $13.4M | $145.0M | -$1.58B | -$1.58B | — | — |
As of 2026-11-02, PennyMac Financial Services Inc. (NYSE: PFSI) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 41/100 at a spot price of $62.92 (-2.31% 1D, market cap $3.35B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, PFSI ranks #917 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), PFSI carries a Roarable D- (41/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 11.6%. By comparison, SLM (SLM Corporation) holds a D- grade (38/100 RQD, P/E 4.5x, ROIC 7.4%, cap $3.34B) and GPGI (GPGI Inc. (Class A)) posts a E grade (22/100 RQD, P/E N/A, ROIC -6.5%, cap $3.36B). Among the 5-stock peer group, SLM leads on earnings multiple (4.5x) while PURR leads on capital efficiency (33.0% ROIC).
Per PFSI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001745916), PennyMac Financial Services Inc. generated $20.1M in revenue (-25.2% YoY), $501.0M in net income, and -$1.66B in free cash flow against $29.39B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
PFSI last traded at $62.92 (-2.31% on volume of 1,292,868 shares), positioning the stock -4.30% below its 50-day simple moving average ($65.75) and -25.12% below its 200-day simple moving average ($84.03). Across its 52-week range of $57.52 to $160.36, PFSI sits at the 5.3% percentile with a 14-day RSI of 53.5 (NEUTRAL RANGE) and an implied next-earnings move of ±7.3% ($58.33 to $67.51).
Why PFSI Stock dropped -2.31% Today — RQD Quant Desk Flash. Stretched risk/reward at 7x P/E (12% return on capital) under elevated 10-year interest-rate pressure.
Per the Roarable RQD rating, PFSI scores 41 out of 100 with a letter grade of D-, labeled "Roarable Sell — Vulnerable Balance Sheet & Flow." The five pillars are: Fundamental Cash Engine at 8/20 (ROIC 11.6%; FCF yield 0%); Whale 13F Flow at 6/20 (institutional accumulation and options positioning); Insider Conviction at 10/20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit at 7/20 (Beta 1.0; sector sensitivity); and Forensic Balance Sheet at 10/20 (Altman Z 2.5; Piotroski F 2/9; Debt/Equity 0.5). For a prospective investor, the lowest-scoring pillars point to weak free-cash-flow generation and a limited Piotroski reading, which are the areas where the stock's case is most exposed. The strongest reported figure is ROIC of 11.6%, while the 0% FCF yield means the cash-based valuation support is not visible in the source data. The trailing P/E of 6.7 and forward P/E of 6.2 represent a valuation tradeoff: the low multiples are consistent with the market pricing in the weak pillars, and the RQD verdict indicates the rating does not treat that discount as sufficient to offset balance-sheet and flow risks. The 52-week range of $57.52 - $160.36 against a current price of $64.41 shows the stock has moved sharply lower over the period. This analysis is educational and not personalized financial advice.
PennyMac Financial Services Inc. is a NYSE-listed issuer classified in the Financials sector and the Finance: Consumer Services industry, per the profile section. The profile describes the company as operating in consumer finance with a market capitalization of $3.3B. The source data does not detail its specific products, customer base, or revenue model beyond the sector and industry classification.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $20.1M | $0.0M | $501.0M | N/A | $-1663.9M | N/A | N/A |
| FY 2024 | $26.9M | $0.0M | $311.0M | N/A | $-4535.0M | N/A | N/A |
| FY 2023 | $13.4M | $0.0M | $145.0M | N/A | $-1582.2M | N/A | N/A |
Per the market data section, net margin is 68%, while gross and operating margins are each reported as 0%. Reported net income rose across the three periods, from $145.0M in FY 2023 to $501.0M in FY 2025, while free cash flow was negative in each period. Per the market data section, ROIC is 11.6%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 2/9, and Debt/Equity is 0.5. The source data does not provide cash or debt balances, so the balance sheet posture can only be characterized through these ratios.
Per the recent news section, the headlines include: a Yahoo Finance item on Q2 earnings in the context of other thrift and mortgage finance stocks (flagged YELLOW, Market Wire); a ChartMill item reporting shares fell on a Q3 earnings miss as servicing offsets faced scrutiny (flagged RED, Risk Watch); a TradingView item reporting a miss on Q3 2026 revenue estimates (flagged RED, Risk Watch); a Yahoo Finance item stating the stock looks cheap after a 51% slide (flagged YELLOW, Market Wire); a Globe and Mail preview of earnings expectations (flagged YELLOW, Market Wire); and a TradingView estimates page (flagged YELLOW, Market Wire). Two items are classified as Risk Watch, both referencing revenue or earnings misses. Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals.
Per the Butterfly Supply-Chain Graph, the supply chain is NONE, with an empty butterfly_links array and an empty proprietary_signals array. The source data therefore does not establish upstream or downstream dependencies. Sector context is limited to the Financials classification and the Finance: Consumer Services industry. Investors should watch whether the reported earnings misses referenced in the news wire translate into further pressure on the revenue line, given that reported FY revenue figures are small relative to reported net income in the SEC financials section.
Real-time company headlines, analyst actions, and sector developments for PennyMac Financial Services Inc. (PFSI) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
TradingView report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering PennyMac Financial Services Inc. (PFSI) market action, institutional positioning, and fundamental catalysts.
Welcome to the PFSI (PennyMac Financial Services Inc.) Roar Pit. Current RQD Composite is 41/100 (Roarable Sell — Vulnerable Balance Sheet & Flow) in Finance: Consumer Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on PFSI, but look at what you are paying: 6.7x trailing P/E with tightening sector spreads. Unless PennyMac Financial Services Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on PFSI, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $64.41 (52-wk range $57.52 - $160.36), any beat on forward guidance forces shorts and underweight funds to chase.
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