PFSI PEER ANALYSIS

PennyMac Finl Svcs Inc — metric-by-metric comparison with peers and the industry median

PFSIPennyMac Finl Svcs Inc

🇺🇸 USA · NYSE · Financial Services · Mortgage Finance

Value it Duel

Overall Profile & Returns

· Mortgage Finance

Position Within Industry

0 = weak quartile, 100 = strong quartile

PFSIIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	PFSI	HSBA	BEN	HUB	ARG	ONEX	Ind. Median
P/E	8.61●	15.10	—	65.30	25.67	9.95	8.61
P/B	1.01	1.92	1.01	12.68	1.02	0.60●	1.01
EV/EBITDA	19.48	17.14	—	39.83	23.97	9.19●	19.48
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PFSI	HSBA	BEN	HUB	ARG	ONEX	Ind. Median
Current Ratio	0.08	0.99	0.03	5.89●	1.41	3.66	0.20
Debt/Equity	397.7%	244.9%	142.6%	17.0%	0.1%●	0.3%	397.7%
NetDebt/EBITDA	15.41	6.66	—	0.21	-0.05	-0.14●	15.41

Profitability
Metric	PFSI	HSBA	BEN	HUB	ARG	ONEX	Ind. Median
Net Margin	14.3%	17.7%	—	23.2%	91.9%	96.4%●	5.6%
ROE	12.3%	12.2%	—	19.7%●	4.0%	6.4%	12.3%
ROA	1.8%	0.7%	—	15.8%●	3.5%	4.9%	1.3%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	PFSI	HSBA	BEN	HUB	ARG	ONEX	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	45.6%	52.7%	—	80.4%●	8.2%	25.5%	50.8%
Div. Yield	1.4%	5.2%	6.1%●	0.9%	4.3%	0.3%	3.2%
Payout	12.5%	—	—	43.0%	104.5%	3.5%	116.2%

Valuation
Metric	PFSI	WD	VEL	UWMC	RKT	Ind. Median
P/E	8.61	24.74	6.49●	6.56	173.99	8.61
P/B	1.01	0.99●	1.01	1.90	1.79	1.01
EV/EBITDA	19.48	12.69●	20.28	15.75	40.84	19.48
P/S	—	—	—	—	—	—

Financial Health
Metric	PFSI	WD	VEL	UWMC	RKT	Ind. Median
Current Ratio	0.08	0.18	0.60	0.20	0.80●	0.20
Debt/Equity	397.7%	195.4%	969.5%	7,065.1%	136.4%●	397.7%
NetDebt/EBITDA	15.41	8.24●	18.35	15.32	16.76	15.41

Profitability
Metric	PFSI	WD	VEL	UWMC	RKT	Ind. Median
Net Margin	14.3%	5.6%	15.8%●	2.1%	2.8%	5.6%
ROE	12.3%	4.1%	17.3%	33.7%●	2.0%	12.3%
ROA	1.8%●	1.3%	1.6%	0.4%	0.6%	1.3%
EBITDA Margin	—	—	—	—	—	—

Growth + Dividend
Metric	PFSI	WD	VEL	UWMC	RKT	Ind. Median
Rev. Growth	—	—	—	—	—	—
NI Growth	45.6%	-28.1%	56.0%	—	8,535.0%●	50.8%
Div. Yield	1.4%	4.9%	—	18.0%●	0.6%	3.2%
Payout	12.5%	129.9%	—	779.4%	102.6%	116.2%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.