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PFSIPFSIFinancial Services · Mortgage Finance

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

Last close, 24 Aug 2026
$75
+0.12% on the day

The 8 Wall Street analysts covering PennyMac Financial Services, Inc. hold a median 12-month price target of $90 — +19.7% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 32 of 100 as at 22 Aug 2026 — in the lower half. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap
$3.9B
Ticker Nerd rank
32 / 100
Median analyst target
$90
Analysts covering
8
Total return, dividends reinvested
1W
−1.5%
1M
−10.5%
YTD
−42.4%
1Y
−30.6%
From 52W high
−52.4%
From 52W low
+0.1%
$75
$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 22 Aug 2026
32 / 100

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

Quality
87
Volatility
74
Growth
72
Value
57
Momentum
35
Issuance
30
Size
27
Revisions
27
Accruals
14

Quality (87): The business earns solid, repeatable profits on what it owns.

Accruals (14): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen 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
$80$100$120$140$160Oct 25Jan 26Apr 26Jul 26PFSIHigh $100Median $90Low $78

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 says8 analysts
4 Buy4 Hold0 Sell
Low $78Median $90High $100

The green dot is the last close — the median target sits +19.7% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 0 moved their price target up and 8 moved it down.

DateFirmActionRatingTarget
31 July 2026Keefe, Bruyette & WoodsMaintainsOutperform$108 → $100
30 July 2026BarclaysMaintainsEqual-Weight$93 → $85
30 July 2026BTIGMaintainsBuy$105 → $90
30 July 2026Piper SandlerDowngradeNeutral$106 → $86
30 July 2026Stephens & Co.MaintainsEqual-Weight$91 → $78
30 July 2026Wells FargoMaintainsOverweight$100 → $95
7 July 2026BarclaysDowngradeEqual-Weight$107 → $93
7 July 2026BarclaysDowngradeEqual-Weight—
2 July 2026Piper SandlerMaintainsOverweight$112 → $106
2 July 2026Piper SandlerMaintainsOverweight—
16 June 2026BTIGMaintainsBuy—
11 May 2026BarclaysMaintainsOverweight—
8 May 2026Keefe, Bruyette & WoodsMaintainsOutperform—
6 May 2026Piper SandlerMaintainsOverweight—
6 May 2026Wells FargoMaintainsOverweight—
24 Apr 2026Stephens & Co.InitiatesEqual-Weight—
9 Apr 2026Wells FargoMaintainsOverweight—
6 Apr 2026BarclaysMaintainsOverweight—
2 Apr 2026Piper SandlerMaintainsOverweight—
16 Mar 2026Keefe, Bruyette & WoodsUpgradeOutperform—

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.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. PFSI appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

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 movingNext fiscal year
EPS revision, 90 days
−31.8%
Analysts raising
0
Analysts cutting
4
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
10.3×

Cheaper than 58% of US stocks

Price / sales
1.2×

Cheaper than 67% of US stocks

Price / book
0.9×

Cheaper than 77% of US stocks

EV / EBITDA
44.0×

Cheaper than 6% of US stocks

Growth & margins
Revenue growth (YoY)
1.8%

Higher than 31% of US stocks

Earnings growth (YoY)
−84.1%

Higher than 4% of US stocks

Gross margin
43.5%

Higher than 55% of US stocks

Operating margin
4.5%

Higher than 54% of US stocks

Net margin
11.8%

Higher than 73% of US stocks

Returns & dividend
Return on equity
9.4%

Higher than 62% of US stocks

Return on assets
1.5%

Higher than 54% of US stocks

Dividend yield
1.6%

Higher than 38% of US dividend payers

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

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.$3.9B
32
UWMCUWM Holdings Corp.$2.2B
9
WDWalker & Dunlop, Inc.$1.4B
20
VELVelocity Financial, Inc.$724.1M
79
RKTRocket Cos., Inc.$39.2B
17
ONITOnity Group, Inc.$307.0M
77
LDIloanDepot, Inc.$299.0M
11

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 Q2 Earnings Call Highlights

MarketBeat · 30 July 2026negative

PennyMac Financial Services reported second-quarter net income of $22 million ($0.41 per diluted share), citing interest-rate volatility that created non-cash mortgage servicing rights valuation headwinds and reduced mortgage origination demand.

Why it matters — The earnings highlight how interest-rate volatility continues to pressure both PFSI's mortgage servicing rights valuations and its core origination business, key drivers of the company's financial performance.

PennyMac Financial (PFSI) Q2 Earnings and Revenues Miss Estimates

Zacks Investment Research · 30 July 2026negative

PennyMac Financial reported Q2 earnings of $1.39 per share, missing the Zacks Consensus Estimate of $2.08 per share. The result compares to earnings of $1.02 per share from the same quarter a year ago.

Why it matters — The earnings miss relative to analyst expectations could influence investor sentiment and near-term stock movement for PFSI.

PennyMac Financial Services, Inc. (PFSI) Q2 2026 Earnings Call Transcript

Seeking Alpha · 30 July 2026neutral

PennyMac Financial Services, Inc. held its Q2 2026 earnings call, and the transcript was published by Seeking Alpha.

Why it matters — The earnings call transcript provides PFSI watchers with management's detailed discussion of the company's second-quarter financial results and operational performance.

FAQ

Frequently asked questions about PFSI stock

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

The 8 Wall Street analysts covering PennyMac Financial Services, Inc. have a median 12-month price target of $90, with estimates ranging from $78 to $100. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is PFSI stock a buy right now?

Of the 8 analysts covering PennyMac Financial Services, Inc., 4 rate it a Buy, 4 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks PennyMac Financial Services, Inc. 32 out of 100 across roughly 4,600 US stocks as at 22 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank PFSI?

As at 22 Aug 2026, PennyMac Financial Services, Inc. ranks 32 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 Quality (87 of 100).

Will PFSI stock go up?

No one can know that. What the data says: the median 12-month target from 8 analysts implies +19.7% from the last close, and Ticker Nerd's factor model ranks PennyMac Financial Services, Inc. 32 out of 100 as at 22 Aug 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: $78 to $100 over the next 12 months.

How has PFSI stock performed over the past year?

PennyMac Financial Services, Inc. returned -30.6% over the 12 months to 24 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does PennyMac Financial Services, Inc. do?

Pennymac Financial Services Inc. is a specialty financial services firm with a comprehensive mortgage platform focused on the production, servicing, and investment management related to U.S.

What is the latest news on PFSI?

The most recent item we track (MarketBeat, 30 July 2026): "PennyMac Financial Services Q2 Earnings Call Highlights". PennyMac Financial Services reported second-quarter net income of $22 million ($0.41 per diluted share), citing interest-rate volatility that created non-cash mortgage servicing rights valuation headwinds and reduced mortgage origination demand.

Company

About PennyMac Financial Services, Inc.

Pennymac Financial Services Inc. is a specialty financial services firm with a comprehensive mortgage platform focused on the production, servicing, and investment management related to U.S. residential mortgage loans. It operates primarily through two key segments: loan production and loan servicing. The loan production segment sources mortgages via correspondent lending, where it acquires loans from small banks and independent originators; consumer direct lending, offering retail origination of prime credit quality conventional and government-insured loans nationwide through internet and call center channels; and broker direct lending, underwriting and funding loans from nonaffiliated brokers for sale to investors. The loan servicing segment handles administration, collection, and default management for a vast portfolio of loans. Additionally, through its subsidiary PNMAC Capital Management, LLC, it manages PennyMac Mortgage Investment Trust, a mortgage REIT investing in mortgage-related assets. As a seller/servicer approved by Fannie Mae, Freddie Mac, Ginnie Mae, FHA, VA, and USDA, Pennymac Financial Services Inc. supports homeownership and liquidity in the U.S. housing finance market. Founded in 2008 and headquartered in Westlake Village, California, it maintains an integrated business model serving diverse borrowers across the country.

CEO Mr. David A. Spector · 5,543 employees · United States · https://pfsi.pennymac.com