PennyMac Finl Valuation
| PFSI Stock | USD 101.01 0.57 0.56% |
At this time, the company appears to be undervalued. PennyMac Finl Svcs holds a recent Real Value of $114.26 per share. The prevailing price of the company is $101.01. Our model determines the value of PennyMac Finl Svcs from analyzing the company fundamentals such as Operating Margin of 0.13 %, return on equity of 0.0845, and Shares Outstanding of 51.43 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting PennyMac Finl's valuation include:
Undervalued
Today
Please note that PennyMac Finl's price fluctuation is very steady at this time. Calculation of the real value of PennyMac Finl Svcs is based on 3 months time horizon. Increasing PennyMac Finl's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since PennyMac Finl is currently traded on the exchange, buyers and sellers on that exchange determine the market value of PennyMac Stock. However, PennyMac Finl's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 101.01 | Real 114.26 | Target 125.44 | Hype 101.6 | Naive 98.6 |
The intrinsic value of PennyMac Finl's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence PennyMac Finl's stock price.
Estimating the potential upside or downside of PennyMac Finl Svcs helps investors to forecast how PennyMac stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of PennyMac Finl more accurately as focusing exclusively on PennyMac Finl's fundamentals will not take into account other important factors: When choosing an evaluation method for PennyMac Finl Svcs, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
PennyMac Finl Cash |
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PennyMac Valuation Trend
PennyMac Finl's real value analysis enables investors to forecast the earnings more efficiently. Using both PennyMac Finl's enterprise value as well as its market capitalization is the best way to gauging the value of the company and is usually enough for investors to make market timing decisions.
PennyMac Revenue by Product
PennyMac Finl Total Value Analysis
PennyMac Finl Svcs is at this time projected to have valuation of 25.01 B with market capitalization of 5.22 B, debt of 20.55 B, and cash on hands of 1.52 B. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the PennyMac Finl fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
25.01 B | 5.22 B | 20.55 B | 1.52 B |
PennyMac Finl Investor Information
About 36.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.34. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. PennyMac Finl Svcs recorded earning per share (EPS) of 5.84. The entity last dividend was issued on the 13th of February 2025. PennyMac Finl Svcs may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter.PennyMac Finl Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. PennyMac Finl has an asset utilization ratio of 6.11 percent. This signifies that the Company is making $0.0611 for each dollar of assets. An increasing asset utilization means that PennyMac Finl Svcs is more efficient with each dollar of assets it utilizes for everyday operations.PennyMac Finl Ownership Allocation
PennyMac Finl owns a total of 51.43 Million outstanding shares. Over half of PennyMac Finl's outstanding shares are owned by third-party entities. These third-party entities are typically referred to as corporate investors that secure positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.PennyMac Finl Profitability Analysis
The company reported the previous year's revenue of 1.59 B. Net Income was 311.42 M with profit before overhead, payroll, taxes, and interest of 2.59 B.PennyMac Finl Past Distributions to stockholders
About PennyMac Finl Valuation
An absolute valuation paradigm, as applied to PennyMac Stock, attempts to find the value of PennyMac Finl Svcs based on its fundamental and basic technical indicators. By analyzing PennyMac Finl's financials, quarterly and monthly indicators, and their related drivers, such as dividends, operating cash flow, and various types of growth rates, we attempt to find the most accurate representation of PennyMac Finl's intrinsic value. In some cases, mostly for established, large-cap companies, we also incorporate more traditional valuation methods such as dividend discount, discounted cash flow, or asset-based models. As compared to an absolute model, our relative valuation model uses a comparative analysis of PennyMac Finl. We calculate exposure to PennyMac Finl's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of PennyMac Finl's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1.6 B | 933.3 M | |
| Pretax Profit Margin | 0.25 | 0.36 | |
| Operating Profit Margin | 0.57 | 0.59 | |
| Net Profit Margin | 0.20 | 0.21 | |
| Gross Profit Margin | 0.98 | 1.02 |
PennyMac Finl Quarterly Retained Earnings |
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A single share of PennyMac Finl represents a small ownership stake in the entity. As a stockholder of PennyMac, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
PennyMac Finl Dividends Analysis For Valuation
As of now, PennyMac Finl's Dividends Paid is increasing as compared to previous years. The PennyMac Finl's current Dividend Yield is estimated to increase to 0.02, while Dividend Payout Ratio is projected to decrease to 0.09. . As of now, PennyMac Finl's Price Earnings To Growth Ratio is decreasing as compared to previous years.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 52.2 M | 54.8 M | |
| Dividend Yield | 0.01 | 0.02 | |
| Dividend Payout Ratio | 0.17 | 0.09 | |
| Dividend Paid And Capex Coverage Ratio | (61.05) | (58.00) |
There are various types of dividends PennyMac Finl can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of PennyMac shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from PennyMac Finl Svcs directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When PennyMac pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of PennyMac Finl by the value of the dividends paid out.
PennyMac Finl Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 53.4 M | |
| Quarterly Earnings Growth Y O Y | -0.266 | |
| Forward Price Earnings | 7.837 |
PennyMac Finl Current Valuation Indicators
Valuation refers to the process of determining the present value of PennyMac Finl Svcs and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value PennyMac we look at many different elements of the entity such as PennyMac's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as PennyMac Finl, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use PennyMac Finl's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes PennyMac Finl's worth.Complementary Tools for PennyMac Stock analysis
When running PennyMac Finl's price analysis, check to measure PennyMac Finl's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy PennyMac Finl is operating at the current time. Most of PennyMac Finl's value examination focuses on studying past and present price action to predict the probability of PennyMac Finl's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move PennyMac Finl's price. Additionally, you may evaluate how the addition of PennyMac Finl to your portfolios can decrease your overall portfolio volatility.
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