Insider buying last 90 days
No open-market insider purchases were filed for PFSI in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every PFSI insider filing, plotted on the chart in Gekko.Open PFSI in Gekko
NYSE: PFSI
PennyMac Financial Services (PFSI) Stock Analysis & Forecast
Oct 12 close
$58.84−1.06 (−1.8%)
Gekko Brief
AI summaryOct 12 closePFSI has traded under pressure this week, with BTIG Research cutting its price target from $90 to $80 while keeping a "buy" rating, following quarterly results that missed analyst expectations for both EPS and revenue. The stock touched a 52-week low of $60.75 amid a sharp decline in its Q4 2025 servicing segment income, and the Rosen Law Firm has disclosed an investigation into potential securities claims tied to allegedly misleading business information. Separately, ten brokerages maintain a consensus "Hold" rating with an average 12-month price target of $103.12, and the company has confirmed its Q3 2026 results will be released after market close on 29 October 2026.
The stock closed at $58.84, down 1.8%, sitting below both its 50-day average of $70.20 and its 200-day average of $89.78, with the 50-day itself below the 200-day. The GekkoIndex reads 71.3, placing it in the Buying zone, while the price stands 24.3% below the Gekko Fair Value of $77.75.
Earnings are set for 29 October 2026 after close, 17 days away and within a typical 20-trading-day holding period; the last report showed EPS of $1.96 against an estimate of $2.90, with an average absolute reaction of 4.2% historically. No insider, Congress, or unusual options activity appears in the current window. Seasonally, the next 20 trading days have averaged a 6.4% gain over 5 years, rising in 4 of them. Analyst coverage currently shows 4 buy and 3 hold ratings among 7 firms, with a consensus target of $88.57.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
PennyMac Financial Services price vs fair value
Close $58.84200-day averageGekko Fair Value $77.75
PennyMac Financial Services quick facts
- Market cap
- $3.06B
- P/E ratio
- 8.4
- Forward P/E
- 9
- EPS, TTM
- $7.27
- Revenue, TTM
- $3.33B
- Profit margin
- 11.8%
- Dividend yield
- 1.97%
- Beta
- 1.45
- Volume
- 679,711 avg 680,798
- 1-year return
- −48.6%
- Typical daily move
- ±3.4%
- Typical 20-day move
- ±6.1%
- 50-day average
- $70.20
- 200-day average
- $89.78
- Next earnings
- Oct 29 after close
- Shares outstanding
- 51.95M
PennyMac Financial Services swing-trade checklist
PennyMac Financial Services scores 3 supportive, 0 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive0 mixed2 headwinds
- Trendheadwind
Below 50 and 200-day
Close $58.84 is below the 50-day ($70.20) and 200-day ($89.78) averages, and the 50-day is below the 200-day.
See the chart - GekkoIndexsupportive
71.3, Buying
Reading 71.3 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
24.3% below
Price is 24.3% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 17 days
Reports on Oct 29, 2026, 17 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+6.4% on average
From this point in the calendar, the next 20 trading days averaged +6.4% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
PennyMac Financial Services stock chart and price history
PennyMac Financial Services closed at $58.84 on Oct 12, 2026, −48.6% over the past year, inside a 52-week range of $58.72 to $160.36.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −16.4%
- 3 months
- −29.0%
- 6 months
- −36.8%
- 1 year
- −48.6%
The full PFSI chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open PFSI in Gekko
Follow PennyMac Financial Services through every session
Put PFSI on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
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About PennyMac Financial Services
PennyMac Financial Services works in mortgage banking and investment management across the United States. It originates, acquires and sells residential mortgage loans, including conventional loans and those backed by government insurance or guarantees, and this loan-production work is one of the main activities it is known for.
The company runs its business through three divisions. The production side handles creating, buying and selling loans. The servicing side manages loans after they are made, collecting payments, tracking principal and interest, holding funds for taxes and insurance, helping borrowers who fall behind, and handling foreclosures or loan modifications when needed. The investment management side looks for assets to buy, runs due diligence and bidding, completes acquisitions, oversees correspondent production for PennyMac Mortgage Investment Trust, and manages the resulting pool of acquired assets.
PennyMac Financial Services was founded in 2008 and is headquartered in Westlake Village, California. Its shares are listed on the NYSE under the ticker PFSI.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- pfsi.pennymac.com
PennyMac Financial Services GekkoIndex: the smart money zone
PennyMac Financial Services’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 71.3, in the Buying zone, up 2.1 points over five sessions.
71.3Buying
Up 2.1 points over five sessions, from the Accumulation zone.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying (current zone) | 32 | −0.5% | −2.2% | ||
| Accumulation | 230 | +0.9% | +0.9% | ||
| Neutral | 365 | −0.6% | 0.0% | ||
| Distribution | 47 | −0.9% | −8.1% | ||
| Selling | 8 | Too few readings yet | |||
Average PFSI share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.1% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the PFSI price, zone by zone.Track PFSI in Gekko
Is PennyMac Financial Services stock overvalued? Gekko Fair Value
PennyMac Financial Services trades 24.3% below Gekko Fair Value of $77.75, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what PennyMac Financial Services shares are worth, recalculated every trading day.
$77.75
Gekko Fair Value, Oct 10, 2026
24.3% Undervalued
At the end of Aug 2026 the price was 15.9% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open PFSI in Gekko
PennyMac Financial Services insider and Congress trading
No open-market insider purchases were filed for PennyMac Financial Services, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in PFSI were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for PFSI, plotted on the chart in Gekko.Open PFSI in Gekko
Buybacks
PennyMac Financial Services has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $50.01M
- As a share of market cap
- 1.64%
From company filings.
Hedge funds and billionaires quarter ended Sep 30
0of the funds Gekko tracks hold PFSI.
0added0opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
PennyMac Financial Services earnings: next date and track record
PennyMac Financial Services reports on Oct 29, 2026, after the close (17 days away), and beat the EPS estimate in 3 of its last 8 reports.
Next earnings report
Oct 29, 2026
Expected after the close, 17 days away
- EPS estimate
- $1.42
- Revenue estimate
- $543.1M
3 of 8reports beat the EPS estimate
±4.2%average move across the report
2 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jan 28, 2026 AI summary
- What they said
- PFSI reported Q4 2025 net income of $107 million ($1.97 per share) with 10% annualized ROE, below previous high-teens to low-20s guidance due to higher prepayment speeds and competitive origination pressures. Full year 2025 showed strong performance with pretax income up 38%, net income up 61%, and 12% ROE. Production segment volumes increased 25% and servicing UPB grew 10%, but MSR runoff outpaced production income growth in Q4.
- Guidance
- Management expects Q1 production segment income to be higher due to mix shift toward higher-margin direct lending channels. Company is implementing Vesta technology platform in Q1 to improve efficiency and capture refinancing opportunities from $312 billion serviced loans above 5% rates.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jan 28, 2026 | $1.96 est $2.90 | $538.0M est $632.6M | +0.2% |
| Oct 21, 2025 | $3.37 est $2.70 | $632.9M est $591.2M | +6.7% |
| Jul 22, 2025 | $1.02 est $3.01 | $1.04B est $575.5M | −5.3% |
| Apr 22, 2025 | $1.42 est $2.99 | $810.3M est $580.5M | −0.5% |
| Jan 30, 2025 | $2.88 est $3.02 | $470.1M est $524.2M | −6.6% |
| Oct 22, 2024 | $3.49 est $2.93 | $411.8M est $533.7M | −4.7% |
| Jul 23, 2024 | $1.85 est $2.58 | $930.5M est $466.6M | −2.7% |
| Apr 24, 2024 | $2.48 est $2.31 | $885.4M est $432.4M | −7.1% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
PennyMac Financial Services stock forecast and analyst price targets
Analysts’ average 12-month price target for PennyMac Financial Services is $88.57, +50.5% from the last close, from 7 firms rating the stock in the last 90 days.
$88.57consensus 12-month target, +50.5% from the last close
Now $58.84Avg $88.57
Low $71High $100
Each firm’s latest rating in the last 90 days: 7 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 12 | BTIG | $80 | +36.0% |
| Oct 9 | Piper Sandler | $71 | +20.7% |
| Oct 5 | Barclays | $71 | +20.7% |
| Sep 21 | KBW | $100 | +70.0% |
| Sep 16 | Barclays | $85 | +44.5% |
−2.2%average 20-day move after past Buying readings
+6.4%average move over the next 20 trading days in the last 5 years
±3.4%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
PennyMac Financial Services seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, PennyMac Financial Services averaged +6.4% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +2.7% | 4 of 5 |
| Next 10 trading days | +2.2% | 3 of 5 |
| Next 15 trading days | +4.8% | 3 of 5 |
| Next 20 trading days | +6.4% | 4 of 5 |
| Next 30 trading days | +9.3% | 4 of 5 |
For scale, PFSI’s typical 20-trading-day move in either direction is about 6.1%.
PennyMac Financial Services market cap and key statistics
PennyMac Financial Services’s market cap is $3.06B, with a P/E ratio of 8.4 and revenue of $3.33B over the last twelve months.
Valuation
- Market cap
- $3.06B
- P/E ratio
- 8.4
- Forward P/E
- 9
- EPS, TTM
- $7.27
- Gekko Fair Value
- $77.75
Trading
- Volume
- 679,711
- Avg volume, 20 days
- 680,798
- 52-week high
- $160.36
- 52-week low
- $58.72
- Shares outstanding
- 51.95M
Financials
- Revenue, TTM
- $3.33B
- Profit margin
- 11.8%
- Return on equity
- 9.4%
- Quarterly earnings growth, YoY
- −83.9%
Risk and income
- Beta
- 1.45
- Typical daily move
- ±3.4%
- Typical 20-day move
- ±6.1%
- Dividend yield
- 1.97%
PennyMac Financial Services stock news this week
Coverage of PennyMac Financial Services this week reads negative: 4 positive, 1 neutral and 8 negative headlines.
- PennyMac Financial Services (NYSE:PFSI) Stock Gets Price Target Reduction from BTIG ResearchMarketBeat, Oct 12
- PennyMac Financial Services Q3 2026 Earnings Date and EstimatesMarketBeat, Oct 10
- PennyMac Financial Services, Inc. Announces Date for Release of Third Quarter 2026 ResultsYahoo Finance, Oct 8
- Rosen Law Firm Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSIMorningstar, Oct 7
- Lawsuit probes PennyMac over alleged misleading financial info after stock drops 33%Pluang, Oct 7
- PennyMac Financial Services stock hits 52-week low at 60.75 USDInvesting.com Nigeria, Oct 7
PennyMac Financial Services peers
PennyMac Financial Services’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Neutral | 0.1% below |
| MAMastercard | Neutral | 2.4% below |
| AXPAmerican Express | Accumulation | 9.3% below |
| COFCapital One Financial | Neutral | 12.1% below |
| URIUnited Rentals | Neutral | 7.5% below |
| RKTRocket Companies | Accumulation | 25.9% below |
A peer links to its own page where one exists.
PennyMac Financial Services stock FAQ
What is PennyMac Financial Services’s market cap?
PennyMac Financial Services’s market cap is $3.06B at the Oct 12, 2026 close of $58.84, with 51.95M shares outstanding. The shares trade on a P/E ratio of 8.4.
What is the PennyMac Financial Services stock forecast?
The consensus analyst 12-month price target for PennyMac Financial Services is $88.57, +50.5% from the last close. Of the 7 firms that rated the stock in the last 90 days, 4 rate it a buy, 3 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is PennyMac Financial Services stock overvalued or undervalued?
On Gekko’s estimate PennyMac Financial Services is undervalued: the Oct 12, 2026 close of $58.84 is 24.3% below Gekko Fair Value of $77.75. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does PennyMac Financial Services report earnings next?
PennyMac Financial Services is expected to report on Oct 29, 2026, after the market closes (17 days away). Analysts expect earnings of $1.42 per share on revenue of $543.1M. PennyMac Financial Services beat the earnings estimate in 3 of its last 8 reports, moving 4.2% on average across the report.
What is PennyMac Financial Services’s 52-week high and low?
PennyMac Financial Services’s 52-week high is $160.36 and its 52-week low is $58.72; it closed at $58.84 on Oct 12, 2026, −48.6% over the past year.
Is PennyMac Financial Services stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality) and 2 as headwinds (trend and earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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