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PFSIPFSIFinancial Services · Mortgage Finance

PFSI Stock Forecast: PennyMac Financial Services, Inc. Price Predictions for 2026-2027

Last close, 4 Nov 2026
$68
+5.71% on the day

The 7 Wall Street analysts covering PennyMac Financial Services, Inc. hold a median 12-month price target of $74 — +8.8% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 7 of 100 as at 3 Nov 2026 — in the weakest quartile. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap
$3.3B
Ticker Nerd rank
7/ 100
Median analyst target
$74
Analysts covering
7
Revenue$972.2M+4.4% y/y
Operating income$31.5M
Net income$21.7M
Free cash flow$2.1B
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+6.5%
1M
+9.0%
YTD
−48.2%
1Y
−46.1%
From 52W high
−57.2%
From 52W low
+17.0%
$58
$158
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

PFSI stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores PennyMac Financial Services, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 3 Nov 2026
7/ 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Volatility
64
Quality
59
Value
35
Growth
33
Size
29
Revisions
26
Accruals
16
Momentum
12
Issuance
2

Volatility (64): The share price has been relatively steady.

Issuance (2): The company has been issuing shares or taking on financing, diluting existing holders.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.

Wall Street

PFSI stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on PFSI, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$60$80$100$120$140$160Jan 26Apr 26Jul 26Oct 26PFSIHigh $85Median $74Low $60

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says7 analysts
2 Buy5 Hold0 Sell
Low $60Median $74High $85

The green dot is the last close — the median target sits +8.8% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 0 moved their price target up and 11 moved it down.

DateFirmActionRatingTarget
2 Nov 2026BarclaysMaintainsEqual-Weight$71 → $67
2 Nov 2026Keefe, Bruyette & WoodsDowngradeMarket Perform$100 → $80
30 Oct 2026Wells FargoMaintainsOverweight$95 → $85
12 Oct 2026BTIGMaintainsBuy$90 → $80
12 Oct 2026BTIGMaintainsBuy—
9 Oct 2026Piper SandlerMaintainsNeutral—
9 Oct 2026Piper SandlerMaintainsNeutral$86 → $71
5 Oct 2026BarclaysMaintainsEqual-Weight—
5 Oct 2026BarclaysMaintainsEqual-Weight$85 → $71
31 July 2026Keefe, Bruyette & WoodsMaintainsOutperform—
31 July 2026Keefe, Bruyette & WoodsMaintainsOutperform$108 → $100
30 July 2026BarclaysMaintainsEqual-Weight—
30 July 2026BarclaysMaintainsEqual-Weight$93 → $85
30 July 2026BTIGMaintainsBuy$105 → $90
30 July 2026BTIGMaintainsBuy—
30 July 2026Piper SandlerDowngradeNeutral—
30 July 2026Piper SandlerDowngradeNeutral$106 → $86
30 July 2026Stephens & Co.MaintainsEqual-Weight—
30 July 2026Stephens & Co.MaintainsEqual-Weight$91 → $78
30 July 2026Wells FargoMaintainsOverweight—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

PFSI appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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Performance

PFSI vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 4 Nov 2026, PennyMac Financial Services, Inc. returned −46.1% against +14.8% for the S&P 500, dividends included.

PFSI vs S&P 500, last 12 monthsTotal return, rebased to 100
406080100120140Jan 26Apr 26Jul 26Oct 26PFSIS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

PFSI analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingThis fiscal year
EPS revision, 90 days
−22.3%
Analysts raising
0
Analysts cutting
2
Fundamentals

PennyMac Financial Services, Inc. (PFSI) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
8.9×

Cheaper than 60% of US stocks

Price / sales
1.8×

Cheaper than 54% of US stocks

Price / book
0.8×

Cheaper than 77% of US stocks

EV / EBITDA
42.1×

Cheaper than 5% of US stocks

Growth & margins
Revenue growth (YoY)
0.6%

Higher than 29% of US stocks

Earnings growth (YoY)
−84.0%

Higher than 4% of US stocks

Gross margin
43.5%

Higher than 54% of US stocks

Operating margin
−9.0%

Higher than 25% of US stocks

Net margin
13.1%

Higher than 75% of US stocks

Returns & dividend
Return on equity
5.6%

Higher than 54% of US stocks

Return on assets
0.9%

Higher than 49% of US stocks

Dividend yield
1.9%

Higher than 78% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

PennyMac Financial Services, Inc. (PFSI) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • PennyMac Financial Services, Inc. has a market value of $3.3B and an enterprise value of $26.1B.

  • Revenue in the twelve months to 30 June 2026: $5.0B. The latest quarter grew 0.6% year on year.

  • Net income over the same four quarters: $392.4M, a 7.8% net margin.

  • Diluted earnings per share, trailing twelve months: $7.28.

  • Free cash flow in the twelve months to 30 June 2026: −$1.9B, after $51.7M of capital spending.

  • PennyMac Financial Services, Inc. spent $54.8M on share buybacks and $63.2M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 51.9M.

  • Trailing P/E: 8.9×; forward P/E: 9.5× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 1.88%, paying out 17% of earnings.

  • PennyMac Financial Services, Inc. employs 5,241 people — $961K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 4 Nov 2026

Data provided by Twelve Data

Peers

PFSI vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelMortgage Finance
CompanyMarket capTKN rank
PFSIPennyMac Financial Services, Inc.$3.3B7
UWMCUWM Holdings Corp.$2.5B8
WDWalker & Dunlop, Inc.$1.2B24
VELVelocity Financial, Inc.$622.2M74
BETRBetter Home & Finance Holding Co.$353.0M7
RKTRocket Cos., Inc.$39.1B20
ONITOnity Group, Inc.$244.4M83

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own PennyMac Financial Services, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest PFSI news & analysis

PennyMac Financial Services Q3 Earnings Call Highlights

MarketBeat · 31 Oct 2026neutral

PennyMac Financial Services reported third-quarter 2026 net income of $29 million, or $0.54 per diluted share, and adjusted net income of $56 million, or $1.05 per share. Higher mortgage rates reduced origination activity, while slower prepayments benefited its servicing business; annualized adjusted return on equity was 5%.

Why it matters — The results show how higher rates affected PFSI's originations while slower prepayments supported servicing, alongside its reported earnings and adjusted return on equity.

PennyMac Financial Services, Inc. (PFSI) Q3 2026 Earnings Call Transcript

Seeking Alpha · 30 Oct 2026neutral

Seeking Alpha published a transcript of PennyMac Financial Services, Inc.’s Q3 2026 earnings call. The excerpt provides no details about the discussion.

Why it matters — The transcript may be relevant to PFSI watchers seeking information from the company’s quarterly earnings call, but the excerpt does not specify its contents.

PennyMac Financial (PFSI) Q3 Earnings and Revenues Lag Estimates

Zacks Investment Research · 30 Oct 2026negative

PennyMac Financial reported quarterly earnings of $1.05 per share, below the Zacks Consensus Estimate of $1.37. Earnings were $3.37 per share in the year-earlier quarter.

Why it matters — PFSI watchers may note the earnings shortfall versus estimates and the year-over-year decline.

PennyMac Financial Services, Inc. Reports Third Quarter 2026 Results and Announces Changes to its Leadership Team

Business Wire · 29 Oct 2026neutral

PennyMac Financial Services reported third-quarter 2026 net income of $29 million, or $0.54 per diluted share, on total net revenues of $469 million. Adjusted net income was $56 million, or $1.05 per adjusted diluted share, and the board declared a $0.30-per-share dividend payable November 27, 2026.

Why it matters — PFSI watchers may note the reported and adjusted quarterly results alongside the declared dividend.

FAQ

Frequently asked questions about PFSI stock

What is the PFSI stock price forecast for 2026-2027?

The 7 Wall Street analysts covering PennyMac Financial Services, Inc. have a median 12-month price target of $74, with estimates ranging from $60 to $85. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is PFSI stock a buy right now?

Of the 7 analysts covering PennyMac Financial Services, Inc., 2 rate it a Buy, 5 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks PennyMac Financial Services, Inc. 7 out of 100 across roughly 4,600 US stocks as at 3 Nov 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank PFSI?

As at 3 Nov 2026, PennyMac Financial Services, Inc. ranks 7 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Volatility (64 of 100).

Will PFSI stock go up?

No one can know that. What the data says: the median 12-month target from 7 analysts implies +8.8% from the last close, and Ticker Nerd's factor model ranks PennyMac Financial Services, Inc. 7 out of 100 as at 3 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the PFSI stock forecast for 2030?

No analyst covering PennyMac Financial Services, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for PFSI are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $60 to $85 over the next 12 months.

How has PFSI stock performed over the past year?

PennyMac Financial Services, Inc. returned -46.1% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.

What does PennyMac Financial Services, Inc. do?

PennyMac Financial Services, Inc. Common Stock represents the equity of PennyMac Financial Services, Inc., a U.S.

What is the latest news on PFSI?

The most recent item we track (MarketBeat, 31 Oct 2026): "PennyMac Financial Services Q3 Earnings Call Highlights". PennyMac Financial Services reported third-quarter 2026 net income of $29 million, or $0.54 per diluted share, and adjusted net income of $56 million, or $1.05 per share. Higher mortgage rates reduced origination activity, while slower prepayments benefited its servicing business; annualized adjusted return on equity was 5%.

Company

About PennyMac Financial Services, Inc.

PennyMac Financial Services, Inc. Common Stock represents the equity of PennyMac Financial Services, Inc., a U.S. mortgage banking and investment management firm. PennyMac Financial Services focuses on the production and servicing of residential mortgage loans, supporting borrowers, originators, and investors through a broad mortgage platform. Its core activities include loan production, loan servicing, and management of mortgage-related investments, making it an important participant in the residential finance market. The company’s servicing operations handle ongoing loan administration, payment collection, and default management, while its production business works across mortgage origination channels. Through its integrated structure, PennyMac Financial Services serves the needs of the housing finance ecosystem and plays a role in connecting mortgage borrowers with capital market participants.

CEO Mr. David A. Spector · 5,241 employees · United States · https://pfsi.pennymac.com