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3 Mortgage & Related Services Stocks to Buy on Industry Recovery
The Zacks Mortgage & Related Services industry players benefit from expected rate cuts, low competition from banks and strong servicing business. PennyMac Financial Services (PFSI), Federal Agricultural Mortgage (AGM) and Ocwen Financial (OCN) look well-placed for growth.
Earnings Estimates Moving Higher for PennyMac (PFSI): Time to Buy?
PennyMac (PFSI) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
PennyMac Financial Services, Inc. (PFSI) Q4 2023 Earnings Call Transcript
PennyMac Financial Services, Inc. (PFSI) Q4 2023 Earnings Call Transcript
PennyMac (PFSI) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
While the top- and bottom-line numbers for PennyMac (PFSI) give a sense of how the business performed in the quarter ended December 2023, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
PennyMac Financial (PFSI) Q4 Earnings Surpass Estimates
PennyMac Financial (PFSI) came out with quarterly earnings of $1.76 per share, beating the Zacks Consensus Estimate of $1.01 per share. This compares to earnings of $0.89 per share a year ago.
PennyMac Financial (PFSI) Earnings Expected to Grow: Should You Buy?
PennyMac (PFSI) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
What Makes PennyMac (PFSI) a Good Fit for 'Trend Investing'
PennyMac (PFSI) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen.
PennyMac Financial Services, Inc. (PFSI) Q3 2023 Earnings Call Transcript
PennyMac Financial Services, Inc. (NYSE:PFSI ) Q3 2023 Earnings Conference Call October 26, 2023 5:00 PM ET Company Participants David Spector - Chairman & Chief Executive Officer Dan Perotti - Chief Financial Officer Conference Call Participants Kevin Barker - Piper Sandler Bose George - KBW Michael Kaye - Wells Fargo Eric Hagen - BTIG Kyle Joseph - Jefferies Jay McCanless - Wedbush Securities Priya Rangarajan - RBC Capital Markets Kevin Barker - Piper Sandler Operator Good afternoon, and welcome to PennyMac Financial Services, Inc.'s Third Quarter 2023 Earnings Call. Additional earnings materials, including presentation slides that will be referred to in this call are available on PennyMac Financial's website at pfsi.pennymac.com.
Compared to Estimates, PennyMac (PFSI) Q3 Earnings: A Look at Key Metrics
Although the revenue and EPS for PennyMac (PFSI) give a sense of how its business performed in the quarter ended September 2023, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
PennyMac Financial (PFSI) Beats Q3 Earnings Estimates
PennyMac Financial (PFSI) came out with quarterly earnings of $1.77 per share, beating the Zacks Consensus Estimate of $1.57 per share. This compares to earnings of $2.46 per share a year ago.
PFSI Financial details
PFSI Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2023-12-31
Metric | History | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 |
---|---|---|---|---|---|---|
2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
Revenue per share | 21.52 | 72.57 | 58.91 | 35.16 | 54.65 | |
Net income per share | 5.01 | 21.91 | 14.87 | 8.5 | 2.74 | |
Operating cash flow per share | -28.61 | -82.48 | 37.99 | 107.85 | -30 | |
Free cash flow per share | -31.96 | -83.6 | 37.14 | 106.36 | -30.69 | |
Cash per share | 3.35 | 7.29 | 5.14 | 23.97 | 17.99 | |
Book value per share | 26.27 | 45.1 | 50.66 | 62.05 | 67.1 | |
Tangible book value per share | -11.83 | 10.75 | -6.81 | -44.38 | -70.34 | |
Share holders equity per share | 26.27 | 45.1 | 50.66 | 62.05 | 67.1 | |
Interest debt per share | 91.73 | 357.5 | 205.99 | 210.06 | 267.97 | |
Market cap | 2.67B | 4.93B | 4.71B | 3.17B | 4.66B | |
Enterprise value | 9.6B | 31.29B | 18.36B | 13.64B | 17.21B | |
P/E ratio | 6.8 | 2.99 | 4.69 | 6.67 | 32.21 | |
Price to sales ratio | 1.58 | 0.9 | 1.18 | 1.61 | 1.62 | |
POCF ratio | -1.19 | -0.8 | 1.84 | 0.53 | -2.95 | |
PFCF ratio | -1.06 | -0.78 | 1.88 | 0.53 | -2.88 | |
P/B Ratio | 1.3 | 1.46 | 1.38 | 0.91 | 1.32 | |
PTB ratio | 1.3 | 1.46 | 1.38 | 0.91 | 1.32 | |
EV to sales | 5.69 | 5.74 | 4.62 | 6.94 | 5.97 | |
Enterprise value over EBITDA | 18.14 | 13.97 | 13.51 | 20.51 | 28.96 | |
EV to operating cash flow | -4.28 | -5.05 | 7.16 | 2.26 | -10.88 | |
EV to free cash flow | -3.83 | -4.98 | 7.32 | 2.29 | -10.64 | |
Earnings yield | 0.15 | 0.33 | 0.21 | 0.15 | 0.03 | |
Free cash flow yield | -0.94 | -1.27 | 0.53 | 1.88 | -0.35 | |
Debt to equity | 3.45 | 7.93 | 4.09 | 3.4 | 3.81 | |
Debt to assets | 0.7 | 0.85 | 0.75 | 0.7 | 0.72 | |
Net debt to EBITDA | 13.09 | 11.77 | 10.04 | 15.74 | 21.12 | |
Current ratio | 1.29 | 2.52 | 1.61 | 2.29 | 2.05 | |
Interest coverage | -1.04 | -89.82 | -14.54 | -12.24 | 1.54 | |
Income quality | -5.71 | -3.76 | 2.55 | 12.69 | -10.94 | |
Dividend Yield | 0 | 0.01 | 0.01 | 0.02 | 0.01 | |
Payout ratio | 0.02 | 0.02 | 0.05 | 0.11 | 0.29 | |
Sales general and administrative to revenue | 0.04 | 0.02 | 0.03 | 0.06 | 0.08 | |
Research and developement to revenue | 0.04 | 0.02 | 0.04 | 0.07 | 0 | |
Intangibles to total assets | 0.29 | 0.08 | 0.21 | 0.35 | 0.38 | |
Capex to operating cash flow | 0.12 | 0.01 | -0.02 | -0.01 | 0.02 | |
Capex to revenue | -0.16 | -0.02 | -0.01 | -0.04 | -0.01 | |
Capex to depreciation | -0.43 | -2.22 | -1.32 | -1.65 | -0.52 | |
Stock based compensation to revenue | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | |
Graham number | 54.41 | 149.1 | 130.21 | 108.93 | 64.36 | |
ROIC | -0.01 | 0.05 | 0.06 | 0.03 | 0.05 | |
Return on tangible assets | 0.05 | 0.06 | 0.07 | 0.04 | 0.01 | |
Graham Net | -53.79 | -96.67 | -80.05 | -105.08 | -271.71 | |
Working capital | 1.5B | 16.56B | 5.26B | 5.79B | 5.78B | |
Tangible asset value | -928.41M | 808.21M | -459.75M | -2.48B | -3.71B | |
Net current asset value | -1.53B | -752.09M | -1.5B | -3.07B | -4.03B | |
Invested capital | 3.45 | 7.93 | 4.09 | 3.4 | 3.81 | |
Average receivables | 1.12B | 13.71B | 19.57B | 10.53B | 4.14B | |
Average payables | 452.05M | 503.8M | 583.94M | 527.4M | 562.74M | |
Average inventory | 3.39B | 3.49B | 651.4M | -49.78M | -46.02M | |
Days sales outstanding | 236.57 | 1.76K | 1.18K | 1.53K | 3.71 | |
Days payables outstanding | 156.3 | 142.5 | 117.09 | 130.83 | 1.31K | |
Days of inventory on hand | 2.08K | 317.99 | 1.49 | -29.96 | 29.73 | |
Receivables turnover | 1.54 | 0.21 | 0.31 | 0.24 | 98.48 | |
Payables turnover | 2.34 | 2.56 | 3.12 | 2.79 | 0.28 | |
Inventory turnover | 0.18 | 1.15 | 245 | -12.18 | 12.28 | |
ROE | 0.19 | 0.49 | 0.29 | 0.14 | 0.04 | |
Capex per share | -3.35 | -1.12 | -0.84 | -1.49 | -0.69 |
Quarterly Fundamentals Overview
Last date of statement is 2023-12-31 for Q4
Metric | History | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 |
---|---|---|---|---|---|---|
2.02K | 2.02K | 2.02K | 2.02K | 2.02K | ||
Revenue per share | 9.7 | 12.59 | 11.44 | 6.41 | 15.46 | |
Net income per share | 0.71 | 0.57 | 1.17 | 1.77 | -0.74 | |
Operating cash flow per share | 9.29 | -61.26 | 44.68 | -18.6 | 8.61 | |
Free cash flow per share | 9.03 | -61.46 | 44.5 | -18.77 | 8.46 | |
Cash per share | 25.45 | 28.17 | 30.89 | 22.54 | 18.98 | |
Book value per share | 65.9 | 64.78 | 69.75 | 68.1 | 70.79 | |
Tangible book value per share | -47.13 | -47.87 | -60.79 | -66.93 | -74.21 | |
Share holders equity per share | 65.9 | 64.78 | 69.75 | 68.1 | 70.79 | |
Interest debt per share | 223.77 | 287.18 | 264.63 | 267.6 | 273.34 | |
Market cap | 2.98B | 3.18B | 3.51B | 3.49B | 4.42B | |
Enterprise value | 13.46B | 16.85B | 14.99B | 16.2B | 16.97B | |
P/E ratio | 19.83 | 26.14 | 15.05 | 9.41 | -29.97 | |
Price to sales ratio | 5.84 | 4.73 | 6.15 | 10.4 | 5.72 | |
POCF ratio | 6.1 | -0.97 | 1.57 | -3.58 | 10.27 | |
PFCF ratio | 6.28 | -0.97 | 1.58 | -3.55 | 10.45 | |
P/B Ratio | 0.86 | 0.92 | 1.01 | 0.98 | 1.25 | |
PTB ratio | 0.86 | 0.92 | 1.01 | 0.98 | 1.25 | |
EV to sales | 26.35 | 25.11 | 26.28 | 48.21 | 21.97 | |
Enterprise value over EBITDA | 198.69 | 441.77 | 205.63 | 127.77 | 57.05 | |
EV to operating cash flow | 27.5 | -5.16 | 6.73 | -16.6 | 39.44 | |
EV to free cash flow | 28.3 | -5.14 | 6.76 | -16.45 | 40.16 | |
Earnings yield | 0.01 | 0.01 | 0.02 | 0.03 | -0.01 | |
Free cash flow yield | 0.16 | -1.03 | 0.63 | -0.28 | 0.1 | |
Debt to equity | 3.4 | 4.4 | 3.74 | 3.89 | 3.81 | |
Debt to assets | 0.7 | 0.75 | 0.72 | 0.73 | 0.72 | |
Net debt to EBITDA | 154.63 | 358.49 | 157.54 | 100.21 | 42.2 | |
Current ratio | 2.29 | 1.87 | 2.06 | 1.93 | 2.05 | |
Interest coverage | -3.63 | 0.92 | 0.93 | 1.39 | 1.62 | |
Income quality | 13.01 | -107.48 | 38.25 | -10.51 | -11.68 | |
Dividend Yield | 0 | 0 | 0 | 0 | 0 | |
Payout ratio | 0.28 | 0.35 | 0.18 | 0.11 | -0.28 | |
Sales general and administrative to revenue | 0.05 | 0.04 | 0.05 | 0.06 | 0.05 | |
Research and developement to revenue | 0.07 | 0.05 | 0.06 | 0.12 | 0 | |
Intangibles to total assets | 0.35 | 0.3 | 0.36 | 0.37 | 0.38 | |
Capex to operating cash flow | -0.03 | 0 | 0 | 0.01 | -0.02 | |
Capex to revenue | -0.03 | -0.02 | -0.02 | -0.03 | -0.01 | |
Capex to depreciation | -0.95 | -0.61 | -0.53 | -0.5 | -0.43 | |
Stock based compensation to revenue | 0.02 | 0.02 | 0 | 0.03 | 0.01 | |
Graham number | 32.54 | 28.82 | 42.81 | 52.08 | 34.26 | |
ROIC | 0 | 0.01 | 0.01 | 0.01 | 0.01 | |
Return on tangible assets | 0 | 0 | 0.01 | 0.01 | 0 | |
Graham Net | -111.61 | -124.22 | -129.06 | -132.3 | -286.63 | |
Working capital | 5.79B | 6.25B | 5.52B | 5.41B | 5.78B | |
Tangible asset value | -2.48B | -2.55B | -3.03B | -3.51B | -3.71B | |
Net current asset value | -3.07B | -3.24B | -3.77B | -4.13B | -4.03B | |
Invested capital | 3.4 | 4.4 | 3.74 | 3.89 | 3.81 | |
Average receivables | 8.09B | 9.81B | 10.03B | 9.18B | 4.84B | |
Average payables | 456.77M | 413.9M | 371M | 358.08M | 496.35M | |
Average inventory | -82.73M | -47.82M | 11.78M | 13.01M | 14.42M | |
Days sales outstanding | 1.45K | 1.52K | 1.37K | 2.59K | 3.41 | |
Days payables outstanding | 140.14 | 101.56 | 94.88 | 84.61 | 1.06K | |
Days of inventory on hand | -32.09 | 3.21 | 3.03 | 3.5 | 24.17 | |
Receivables turnover | 0.06 | 0.06 | 0.07 | 0.03 | 26.4 | |
Payables turnover | 0.64 | 0.89 | 0.95 | 1.06 | 0.08 | |
Inventory turnover | -2.8 | 28.06 | 29.74 | 25.7 | 3.72 | |
ROE | 0.01 | 0.01 | 0.02 | 0.03 | -0.01 | |
Capex per share | -0.26 | -0.2 | -0.18 | -0.17 | -0.15 |
PFSI Frequently Asked Questions
What is PennyMac Financial Services, Inc. stock symbol ?
PennyMac Financial Services, Inc. is a US stock , located in Westlake village of Ca and trading under the symbol PFSI
Is PennyMac Financial Services, Inc. buy or a sell ?
5 stock analysts have 5 predictions with a medium analyst target price of $65.4. The lowest prediction is $58 and the highest is $75
What is PFSI stock prediction ?
What is PennyMac Financial Services, Inc. stock quote today ?
PennyMac Financial Services, Inc. stock price is $91.42 today.
Is PennyMac Financial Services, Inc. stock public?
Yes, PennyMac Financial Services, Inc. is a publicly traded company.