Pennymac Finl Svcs Stock Analysis
| PFSI Stock | USD 107.79 2.17 2.05% |
PennyMac Finl Svcs is overvalued with Real Value of 97.65 and Target Price of 88.67. The main objective of PennyMac Finl stock analysis is to determine its intrinsic value, which is an estimate of what PennyMac Finl Svcs is worth, separate from its market price. There are two main types of PennyMac Finl's stock analysis: fundamental analysis and technical analysis.
The PennyMac Finl stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and PennyMac Finl's ongoing operational relationships across important fundamental and technical indicators.
PennyMac |
PennyMac Stock Analysis Notes
About 36.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.45. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. PennyMac Finl Svcs last dividend was issued on the 18th of November 2024. PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. PennyMac Financial Services, Inc. was founded in 2008 and is headquartered in Westlake Village, California. Pennymac Financial operates under Mortgage Finance classification in the United States and is traded on New York Stock Exchange. It employs 5088 people. To find out more about PennyMac Finl Svcs contact David Spector at 818 224 7442 or learn more at https://www.pennymac.com.PennyMac Finl Quarterly Total Revenue |
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PennyMac Finl Svcs Investment Alerts
| PennyMac Finl Svcs currently holds about 1.52 B in cash with (1.58 B) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 28.96. | |
| PennyMac Finl Svcs has a very weak financial position based on the latest SEC disclosures | |
| Roughly 61.0% of the company shares are owned by institutional investors | |
| Latest headline from MacroaxisInsider: Disposition of 3032 shares by Gregory Hendry of PennyMac Finl at 17.52 subject to Rule 16b-3 |
PennyMac Finl Svcs Upcoming and Recent Events
Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to PennyMac Finl previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 1st of February 2024 Upcoming Quarterly Report | View | |
| 25th of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 1st of February 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
PennyMac Largest EPS Surprises
Earnings surprises can significantly impact PennyMac Finl's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2015-02-04 | 2014-12-31 | 0.47 | 0.41 | -0.06 | 12 | ||
2016-08-03 | 2016-06-30 | 0.57 | 0.65 | 0.08 | 14 | ||
2019-02-07 | 2018-12-31 | 0.54 | 0.63 | 0.09 | 16 |
PennyMac Finl Environmental, Social, and Governance (ESG) Scores
PennyMac Finl's ESG score is a quantitative measure that evaluates PennyMac Finl's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of PennyMac Finl's operations that may have significant financial implications and affect PennyMac Finl's stock price as well as guide investors towards more socially responsible investments.
PennyMac Stock Institutional Investors
| Shares | Geode Capital Management, Llc | 2024-09-30 | 647.8 K | Basswood Capital Management Llc | 2024-09-30 | 458.3 K | Charles Schwab Investment Management Inc | 2024-09-30 | 447.4 K | Northern Trust Corp | 2024-09-30 | 372.3 K | Norges Bank | 2024-06-30 | 362.1 K | American Century Companies Inc | 2024-09-30 | 341.9 K | Boston Partners Global Investors, Inc | 2024-09-30 | 331.1 K | Alyeska Investment Group, L.p. | 2024-09-30 | 329.3 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 321.2 K | Mfn Partners Management, Lp | 2024-06-30 | 4.5 M | T. Rowe Price Investment Management,inc. | 2024-09-30 | 4.5 M |
PennyMac Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 5.41 B.PennyMac Profitablity
The company has Profit Margin (PM) of 0.06 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.09 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.09.| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.08 | 0.11 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.04 | 0.04 |
Management Efficiency
The PennyMac Finl's current Return On Capital Employed is estimated to increase to 0.11, while Return On Tangible Assets are projected to decrease to 0.01. As of now, PennyMac Finl's Other Current Assets are increasing as compared to previous years. The PennyMac Finl's current Intangible Assets is estimated to increase to about 7.6 B, while Total Assets are projected to decrease to under 10.6 B. PennyMac Finl's management efficiency ratios could be used to measure how well PennyMac Finl manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 70.80 | 37.25 | |
| Tangible Book Value Per Share | (74.22) | (70.51) | |
| Enterprise Value Over EBITDA | 19.73 | 10.26 | |
| Price Book Value Ratio | 1.25 | 1.36 | |
| Enterprise Value Multiple | 19.73 | 10.26 | |
| Price Fair Value | 1.25 | 1.36 | |
| Enterprise Value | 4.9 B | 5.1 B |
Leadership at PennyMac Finl emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Dividend Yield 0.0114 | Operating Margin 0.0903 | Profit Margin 0.0612 | Forward Dividend Yield 0.0114 | Beta 1.791 |
Technical Drivers
As of the 25th of November, PennyMac Finl holds the Risk Adjusted Performance of 0.0569, semi deviation of 1.47, and Coefficient Of Variation of 1482.48. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of PennyMac Finl, as well as the relationship between them.PennyMac Finl Svcs Price Movement Analysis
The output start index for this execution was eleven with a total number of output elements of fifty. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. PennyMac Finl middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for PennyMac Finl Svcs. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
PennyMac Finl Svcs Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific PennyMac Finl insiders, such as employees or executives, is commonly permitted as long as it does not rely on PennyMac Finl's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases PennyMac Finl insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
PennyMac Finl Outstanding Bonds
PennyMac Finl issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. PennyMac Finl Svcs uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most PennyMac bonds can be classified according to their maturity, which is the date when PennyMac Finl Svcs has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| US70932AAD54 Corp BondUS70932AAD54 | View | |
| PENNYMAC FINL SVCS Corp BondUS70932MAA53 | View | |
| US70932MAB37 Corp BondUS70932MAB37 | View | |
| US70932MAC10 Corp BondUS70932MAC10 | View |
PennyMac Finl Predictive Daily Indicators
PennyMac Finl intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of PennyMac Finl stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
PennyMac Finl Corporate Filings
F4 | 21st of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 18th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
13A | 14th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
F4 | 13th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 1st of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10Q | 29th of October 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 22nd of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 15th of October 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
PennyMac Finl Forecast Models
PennyMac Finl's time-series forecasting models are one of many PennyMac Finl's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary PennyMac Finl's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.About PennyMac Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how PennyMac Finl prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling PennyMac shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as PennyMac Finl. By using and applying PennyMac Stock analysis, traders can create a robust methodology for identifying PennyMac entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.13 | 0.12 | |
| Operating Profit Margin | 0.73 | 0.77 | |
| Net Profit Margin | 0.10 | 0.10 | |
| Gross Profit Margin | 0.15 | 0.14 |
Current PennyMac Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. PennyMac analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. PennyMac analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 88.67 | Strong Buy | 9 | Odds |
Most PennyMac analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand PennyMac stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of PennyMac Finl Svcs, talking to its executives and customers, or listening to PennyMac conference calls.
PennyMac Stock Analysis Indicators
PennyMac Finl Svcs stock analysis indicators help investors evaluate how PennyMac Finl stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading PennyMac Finl shares will generate the highest return on investment. By understating and applying PennyMac Finl stock analysis, traders can identify PennyMac Finl position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 1.3 B | |
| Long Term Debt | 9.7 B | |
| Common Stock Shares Outstanding | 52.7 M | |
| Total Stockholder Equity | 3.5 B | |
| Tax Provision | 86.5 M | |
| Quarterly Earnings Growth Y O Y | -0.266 | |
| Property Plant And Equipment Net | 68.9 M | |
| Cash And Short Term Investments | 948.6 M | |
| Cash | 938.4 M | |
| Accounts Payable | 658.1 M | |
| Net Debt | 12.6 B | |
| 50 Day M A | 106.7578 | |
| Total Current Liabilities | 5.3 B | |
| Other Operating Expenses | 691.7 M | |
| Non Current Assets Total | 17.9 B | |
| Forward Price Earnings | 7.8247 | |
| Non Currrent Assets Other | 10.4 B | |
| Stock Based Compensation | 27.6 M |
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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