PFSI
PennyMac Financial·NYSE
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3.87 / 10
Netural
Fundamental analysis reveals inadequate positioning (3.9/10). Favorable aspects: Days sales outstanding and Net profit margin (%), but headwinds are noted in Profit-MV and PB-ROE. Composite outlook: defensive.
Analysis Checks(8/10)
Revenue-MV
Value0.16
Score2/3
Weight22.54%
1M Return6.62%
Value0.16
Score2/3
Weight22.54%
1M Return6.62%
Profit-MV
Value-0.23
Score0/3
Weight-6.34%
1M Return-2.52%
Value-0.23
Score0/3
Weight-6.34%
1M Return-2.52%
PB-ROE
Value1.41
Score0/3
Weight-0.73%
1M Return-0.26%
Value1.41
Score0/3
Weight-0.73%
1M Return-0.26%
Net profit margin (%)
Value-2972.64
Score2/3
Weight2.48%
1M Return0.86%
Value-2972.64
Score2/3
Weight2.48%
1M Return0.86%
Asset-MV
Value-0.50
Score2/3
Weight37.95%
1M Return9.65%
Value-0.50
Score2/3
Weight37.95%
1M Return9.65%
Days sales outstanding
Value72.55
Score2/3
Weight3.71%
1M Return1.29%
Value72.55
Score2/3
Weight3.71%
1M Return1.29%
Net income-Revenue
Value0.43
Score2/3
Weight12.04%
1M Return3.69%
Value0.43
Score2/3
Weight12.04%
1M Return3.69%
Net cash flow from operating activities (YoY growth rate %)
Value109.95
Score2/3
Weight5.78%
1M Return2.12%
Value109.95
Score2/3
Weight5.78%
1M Return2.12%
Income tax / Total profit (%)
Value5.46
Score2/3
Weight3.22%
1M Return1.16%
Value5.46
Score2/3
Weight3.22%
1M Return1.16%
Cash-MV
Value0.14
Score2/3
Weight19.35%
1M Return6.45%
Value0.14
Score2/3
Weight19.35%
1M Return6.45%
Revenue-MV
Value0.16
Score2/3
Weight22.54%
1M Return6.62%
Value0.16
Score2/3
Weight22.54%
1M Return6.62%
Days sales outstanding
Value72.55
Score2/3
Weight3.71%
1M Return1.29%
Value72.55
Score2/3
Weight3.71%
1M Return1.29%
Profit-MV
Value-0.23
Score0/3
Weight-6.34%
1M Return-2.52%
Value-0.23
Score0/3
Weight-6.34%
1M Return-2.52%
Net income-Revenue
Value0.43
Score2/3
Weight12.04%
1M Return3.69%
Value0.43
Score2/3
Weight12.04%
1M Return3.69%
PB-ROE
Value1.41
Score0/3
Weight-0.73%
1M Return-0.26%
Value1.41
Score0/3
Weight-0.73%
1M Return-0.26%
Net cash flow from operating activities (YoY growth rate %)
Value109.95
Score2/3
Weight5.78%
1M Return2.12%
Value109.95
Score2/3
Weight5.78%
1M Return2.12%
Net profit margin (%)
Value-2972.64
Score2/3
Weight2.48%
1M Return0.86%
Value-2972.64
Score2/3
Weight2.48%
1M Return0.86%
Income tax / Total profit (%)
Value5.46
Score2/3
Weight3.22%
1M Return1.16%
Value5.46
Score2/3
Weight3.22%
1M Return1.16%
Asset-MV
Value-0.50
Score2/3
Weight37.95%
1M Return9.65%
Value-0.50
Score2/3
Weight37.95%
1M Return9.65%
Cash-MV
Value0.14
Score2/3
Weight19.35%
1M Return6.45%
Value0.14
Score2/3
Weight19.35%
1M Return6.45%
Is PFSI undervalued or overvalued?
- PFSI scores 3.87/10 on fundamentals and holds a Fair valuation at present. Backed by its 9.81% ROE, 25.21% net margin, 9.98 P/E ratio, 1.18 P/B ratio, and 190.69% earnings growth, these metrics solidify its Netural investment rating.
