PennyMac Financial Services, Inc. (NYSE:PFSI) Receives Average Rating of “Moderate Buy” from Analysts

Shares of PennyMac Financial Services, Inc. (NYSE:PFSI) have been given a consensus rating of “Moderate Buy” by the nine ratings firms that are covering the firm, MarketBeat.com reports. Four equities research analysts have rated the stock with a hold rating and five have given a buy rating to the company. The average 12-month target price among brokers that have issued a report on the stock in the last year is $153.4286.

A number of equities analysts have recently issued reports on PFSI shares. Weiss Ratings lowered shares of PennyMac Financial Services from a “buy (b-)” rating to a “hold (c+)” rating in a research report on Tuesday, January 20th. Zacks Research upgraded shares of PennyMac Financial Services to a “hold” rating in a research report on Friday, December 19th. Wells Fargo & Company upped their price objective on PennyMac Financial Services from $135.00 to $150.00 and gave the stock an “overweight” rating in a report on Monday, January 5th. UBS Group lifted their target price on PennyMac Financial Services from $135.00 to $145.00 and gave the company a “neutral” rating in a research note on Friday, October 24th. Finally, Jefferies Financial Group assumed coverage on PennyMac Financial Services in a research report on Friday, December 19th. They set a “buy” rating and a $160.00 target price for the company.

More PennyMac Financial Services News

Here are the key news stories impacting PennyMac Financial Services this week:

• Positive Sentiment: Board declared a $0.30 quarterly cash dividend and book value per share rose to $82.77, providing income support and a tangible capital-growth signal. PennyMac Financial Services, Inc. Reports Fourth Quarter and Full-Year 2025 Results
• Positive Sentiment: Revenue increased 14.4% year-over-year, showing underlying top‑line growth despite missing consensus — a sign the business expanded activity compared with last year. PennyMac: Q4 Earnings Snapshot
• Neutral Sentiment: Full earnings call transcript is available for investors to review management’s explanations about causes of the miss and forward guidance (useful for assessing whether the miss is one‑off or structural). PennyMac Financial Services, Inc. (PFSI) Q4 2025 Earnings Call Transcript
• Neutral Sentiment: Pre‑earnings previews and analyst commentary were circulated ahead of the print — helpful context but not decisive versus the actual results. A Preview Of PennyMac Financial Servs’s Earnings
• Negative Sentiment: PFSI missed consensus by a wide margin: EPS $1.97 vs. $3.23 expected and revenue $538M vs. $639.8M consensus — the earnings and revenue shortfall are the primary catalyst for selling pressure. PennyMac Financial (PFSI) Q4 Earnings and Revenues Miss Estimates
• Negative Sentiment: Market reaction: shares plunged sharply on the miss (reports cited an ~22.5% drop intraday), reflecting investor disappointment and potential re‑rating risk if guidance or margins are weaker than expected. PennyMac Financial Services (NYSE:PFSI) Misses Q4 CY2025 Revenue Estimates, Stock Drops 22.5%

PennyMac Financial Services Stock Performance

Shares of NYSE:PFSI opened at $149.71 on Friday. PennyMac Financial Services has a twelve month low of $85.74 and a twelve month high of $160.36. The firm has a market cap of $7.78 billion, a PE ratio of 16.13, a price-to-earnings-growth ratio of 0.67 and a beta of 1.57. The company has a debt-to-equity ratio of 3.01, a quick ratio of 0.36 and a current ratio of 0.36. The business has a fifty day moving average of $137.97 and a 200-day moving average of $123.00.

PennyMac Financial Services (NYSE:PFSI) last issued its quarterly earnings results on Thursday, January 29th. The real estate investment trust reported $1.97 earnings per share (EPS) for the quarter, missing the consensus estimate of $3.23 by ($1.26). PennyMac Financial Services had a return on equity of 11.69% and a net margin of 25.21%.The company had revenue of $538.01 million for the quarter, compared to analyst estimates of $639.81 million. During the same quarter last year, the company earned $1.95 EPS. The firm’s quarterly revenue was up 14.4% on a year-over-year basis. On average, equities research analysts predict that PennyMac Financial Services will post 13.77 EPS for the current fiscal year.

Insider Transactions at PennyMac Financial Services

In other PennyMac Financial Services news, CEO David Spector sold 10,000 shares of the company’s stock in a transaction dated Tuesday, January 13th. The shares were sold at an average price of $145.19, for a total transaction of $1,451,900.00. Following the transaction, the chief executive officer directly owned 100,604 shares in the company, valued at approximately $14,606,694.76. This represents a 9.04% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is accessible through this hyperlink. Also, CAO Gregory L. Hendry sold 3,530 shares of the firm’s stock in a transaction dated Thursday, December 18th. The shares were sold at an average price of $131.64, for a total transaction of $464,689.20. Following the completion of the transaction, the chief accounting officer directly owned 48,633 shares in the company, valued at $6,402,048.12. This trade represents a 6.77% decrease in their position. The disclosure for this sale is available in the SEC filing. Over the last quarter, insiders sold 80,076 shares of company stock valued at $10,512,190. 15.80% of the stock is owned by company insiders.

Institutional Trading of PennyMac Financial Services

Institutional investors and hedge funds have recently made changes to their positions in the business. Pictet Asset Management Holding SA lifted its stake in shares of PennyMac Financial Services by 8.3% in the 4th quarter. Pictet Asset Management Holding SA now owns 5,189 shares of the real estate investment trust’s stock valued at $684,000 after purchasing an additional 397 shares during the period. Vanguard Group Inc. grew its stake in shares of PennyMac Financial Services by 0.5% during the fourth quarter. Vanguard Group Inc. now owns 2,832,737 shares of the real estate investment trust’s stock worth $373,468,000 after purchasing an additional 12,782 shares during the period. M&T Bank Corp bought a new stake in PennyMac Financial Services in the fourth quarter valued at about $5,095,000. Universal Beteiligungs und Servicegesellschaft mbH acquired a new position in PennyMac Financial Services in the fourth quarter valued at about $242,000. Finally, Zurcher Kantonalbank Zurich Cantonalbank boosted its holdings in PennyMac Financial Services by 3.7% during the fourth quarter. Zurcher Kantonalbank Zurich Cantonalbank now owns 10,345 shares of the real estate investment trust’s stock worth $1,364,000 after buying an additional 372 shares during the last quarter. Institutional investors own 57.87% of the company’s stock.

PennyMac Financial Services Company Profile

PennyMac Financial Services, Inc (NYSE: PFSI) is a leading mortgage banking company based in Westlake Village, California. The firm operates through two primary business segments: Production and Mortgage Servicing Rights (MSR). In its Production segment, PennyMac originates residential mortgage loans through retail, wholesale and correspondent channels, focusing on both purchase and refinance transactions. The MSR segment involves the acquisition and servicing of mortgage loans, whereby the company earns fees for managing loan portfolios on behalf of investors.

Since its founding in 2008, PennyMac has grown through a combination of organic origination and strategic acquisition of servicing rights, positioning itself as one of the largest residential mortgage loan servicers in the United States.