PennyMac Financial (PFSI) Fundamental Analysis: Revenue, Earnings & Valuation

8.99 / 10

Outperform

Fundamental analysis rates PFSI Outperform with a 9.0/10 score. Key strengths are Revenue‑MV, Cash‑MV, Cash‑UP, Days Sales Outstanding and AR turnover, while Operating revenue YoY growth and Profit‑MV lag. PB‑ROE and Asset‑MV show mixed signals but overall fundamentals remain robust.

Analysis Checks(8/10)

Revenue-MV

Value-0.29

Score2/3

Weight10.16%

1M Return1.93%

Days sales outstanding

Value223.49

Score2/3

Weight3.64%

1M Return0.68%

Profit-MV

Value1.25

Score0/3

Weight-23.22%

1M Return-6.12%

Accounts receivable turnover ratio

Value23.42

Score3/3

Weight3.78%

1M Return0.71%

PB-ROE

Value-0.83

Score2/3

Weight-5.32%

1M Return-1.06%

Net cash flow from operating activities (YoY growth rate %)

Value63.56

Score2/3

Weight2.19%

1M Return0.45%

Cash-UP

Value-0.15

Score2/3

Weight-9.06%

1M Return-2.12%

Operating revenue (YoY growth rate %)

Value177.16

Score1/3

Weight-3.31%

1M Return-0.60%

Asset-MV

Value-0.55

Score3/3

Weight97.45%

1M Return11.07%

Cash-MV

Value0.02

Score3/3

Weight23.69%

1M Return4.48%

Is PFSI fundamentally strong?

PFSI scores 8.99/10 on fundamentals and holds a Discounted valuation at present. Backed by its 12.31% ROE, 24.48% net margin, 9.10 P/E ratio, 1.06 P/B ratio, and 58.59% earnings growth, these metrics solidify its Outperform investment rating.