SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
PennyMac Financial Services, Inc. (PFSI) trades at a trailing P/E of 9.4, forward P/E of 7.5. Trailing earnings yield is 10.59%, forward earnings yield 13.40%. PEG 0.16 (Peter Lynch undervalued ≤1.0). Graham Number is $134.03.
Criteria proven by this page:
- VALUE (82/100, Pass) — P/E is below market average (9.4); PEG ≤ 1.0 — Peter Lynch undervalued (0.16); analyst target implies upside (+61.9%); earnings yield beats bond yields (10.59%).
- Forward P/E 7.5 (down from trailing 9.4) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.16 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 10.59% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 13.40% as earnings recover.
- Analyst consensus target $150.00 (+61.9% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 71/100 with 5/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
82/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
0/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — PFSI
Valuation Multiples
P/E (TTM)9.4
Forward P/E7.5
PEG Ratio0.16
Forward PEG0.22
P/B Ratio1.10
P/S Ratio1.17
EV/EBITDA31.7
Per Share Data
EPS (TTM)$9.64
Forward EPS (Est.)$12.42
Book Value / Share$82.86
Revenue / Share$78.22
FCF / Share$-27.48
Yields & Fair Value
Earnings Yield10.59%
Forward Earnings Yield13.40%
Dividend Yield1.32%
Graham Number$134.03
SharesGrow IV$159.48 (+72.1%)
Analyst Target$150.00 (+61.9%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
5.6 |
0.15 |
1.06 |
0.36 |
- |
| 2017 |
5.4 |
0.12 |
1.15 |
0.50 |
- |
| 2018 |
8.2 |
-0.20 |
0.43 |
0.63 |
1.40% |
| 2019 |
6.8 |
0.07 |
1.29 |
1.58 |
0.36% |
| 2020 |
3.0 |
0.01 |
1.46 |
1.25 |
0.63% |
| 2021 |
4.4 |
-0.16 |
1.30 |
1.25 |
1.19% |
| 2022 |
6.3 |
-0.15 |
0.87 |
1.30 |
1.82% |
| 2023 |
30.5 |
-0.45 |
1.25 |
2.17 |
0.94% |
| 2024 |
16.7 |
0.15 |
1.36 |
3.27 |
1.00% |
| 2025 |
13.6 |
0.23 |
1.58 |
1.56 |
0.92% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$2.94 |
$1.04B |
$66.08M |
6.4% |
| 2017 |
$4.03 |
$1.1B |
$100.76M |
9.2% |
| 2018 |
$2.48 |
$1.13B |
$87.69M |
7.8% |
| 2019 |
$4.89 |
$1.69B |
$392.97M |
23.3% |
| 2020 |
$20.92 |
$5.45B |
$1.65B |
30.2% |
| 2021 |
$14.87 |
$3.98B |
$1B |
25.2% |
| 2022 |
$8.50 |
$1.97B |
$475.51M |
24.2% |
| 2023 |
$2.74 |
$2.04B |
$144.66M |
7.1% |
| 2024 |
$5.84 |
$1.59B |
$311.42M |
19.5% |
| 2025 |
$9.30 |
$4.36B |
$501.08M |
11.5% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$12.48 |
$11.81 – $13.15 |
$2.54B |
$2.52B – $2.57B |
3 |
| 2027 |
$15.54 |
$14.91 – $16.17 |
$3.37B |
$2.85B – $3.01B |
3 |
| 2028 |
$17.08 |
$16.11 – $18.05 |
$3.21B |
$3.21B – $3.21B |
2 |
