PennyMac Financial Services (PFSI) stock

Mortgage loans , market cap $3.5B

Makes and services mortgage loans

Worth $3.5B

$62.85

-5.40%

As of Tuesday's close · Live for Pro members at the open

Quality Score

-1

Poor

In its industry

#5of 7

Mortgage & Loans

Checks firing

0of 14

Transition

From 52-week high

-60.8%

under its best in a year

PFSI's Quality Score fell 3 points on Tue, Nov 10, to -1. Its price fell below its average of the last 21 days (3 chart checks stopped).

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Key facts on PFSI

Key facts on PFSI
Holding it back	Below its 200-day since January down 50% in a year
Latest filing	10-Q, Nov 3 Filed its quarterly report (10-Q) for the quarter to Sep 30, 2026

1 more reason behind PFSI's -1, free with an account →1 more reason behind PFSI's -1, for Pro members.

PFSI in the news

TodayWith its group.

Big story

Leadership

PennyMac Financial Services filed an 8-K reporting a change of CFO

PFSI closed −2.3% the next session (Oct 30) on 2.2x normal volume.

From the company's SEC filing

Get an alert on PFSI's next big story →

What's next

Mon Nov 16: Ex-dividend, $0.30 a shareAt the open. Pays Nov 27.

PFSI catalysts

Coming up

After its last 4 reports it closed -12.0% on average, higher 0 of 4 times.

7 past catalysts since 2019, with sizes and sources, for Pro members.

Why PFSI scores -1

Poorfor quality, not price, 0 of 14 chart checks firingWhat the Quality Score means

−3Long-term trend below a falling 200-⁠day average, down over one year, down over two years
+2Growth sales up 107% on the year, no margin a year apart on fileSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.

Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Cash flow subtracts-1 when free cash flow over the last four quarters is negative.

No effect today: Chart checks, Run-up, Size, Dilution, Volatility, Persistence, and News.

What every line is worth, and the reason behind it, on PFSI and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 10:45 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when PFSI's Quality Score turns up

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How PFSI ranks in Mortgage & Loans

PFSI is #5 of 7 by Quality Score.

How PFSI ranks in Mortgage & Loans
Rank	Stock	Checks	Quality Score
1	RKTRocket Companies	2/14	4
2	FIGRFigure Technology Solutions	1/14	3
3	TREELendingTree	4/14	3
	FINVFinVolution		Open for its score
5	PFSIPennyMac Financial Services	0/14	-1

When does PFSI report earnings, and what happens after?

Expected to report Thu Jan 28, after the close (in 79 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What PFSI reported on Oct 29, 2026

The quarter

A profit of $0.54 a share.

“The decline from the prior quarter was primarily driven by lower volumes across all channels, while the decline from the third quarter of 2025 was driven by lower volumes and a $38 million adverse shift in secondary market impacts.”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

Where the quarter's sales came from
Line	3Q26	2Q26	3Q25
Increase (decrease) in fair value of MSRs and MSLs due to changes in valuation inputs used in the valuation modeldown 1,018%	$936M200%	$118M24%	-$102M–

Each quarter's sales and their share of its total. Figures as filed (SEC filing, Oct 29)

4 more lines, for Pro members.

The outlook

The outlook the company gave, by period
Measure	Figure
Q1 2027
Annualized operating expenses reduction	$160M

Figures as filed (SEC filing, Oct 29)

In the company's words

“The decrease was driven by lower refinance volumes due to higher mortgage rates.”

From its results filing (SEC filing · Oct 29)

1 more sentence, for Pro members.

The numbers

Market value: $3.5B; today
Sales: $37.4M; up 107% on the year
Free cash flow: -$252M; last 12 months

EPS fell 15% a year over 5 years, fiscal 2020 to 2025.

Pays $1.20 a share a year.

3 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on PFSI: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 4

-33.3%-0.5%-11.8%-2.3%

Jan 29May 5Jul 29Oct 29

Reported	When	Gap	Reaction	5 days
Oct 29, 2026After close	After close	-5.4%	-2.3%	+4.2%
Jul 29, 2026After close	After close	-9.7%	-11.8%	-11.8%
May 5, 2026After close	After close	-2.5%	-0.5%	+1.3%
Jan 29, 2026After close	After close	-25.2%	-33.3%	-34.9%

PFSI closed higher after 0 of its last 4 reports.

PFSI sales and profit by year

Sales and profit by year

Sales grew in four of the last seven years, to $20.1M in 2025. It made a profit in each of the eight years.

Nothing is firing on PFSI right now

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on PFSI, and all 14 on every stock.Get in free →

PFSI RSI today: 46.6, below its 50-day and 200-day averages

Not scored

RSI 46.6, MACD above signal, below both averages. Not scored.13 readings

The deep dive on PFSI

What it does and how it makes money3 findingsIt kept 2742 cents of each dollar of sales in fiscal 2025: $551M of profit before tax on $20.1M of sales.Annual report, filed Feb 20, 2026
Where it stands4 findingsFor Pro members4 findings on where PFSI stands: its cash, debt, and share count, for Pro members
What changed in its filings2 findingsA new heading in its "Risk Factors" this year: "Rising homeownership costs may negatively impact housing affordability and increase mortgage delinquencies, defaults and foreclosures." (10-K for fiscal 2025; not in fiscal 2024's)SEC filing · Feb 20, 2026, against the one of Feb 19, 2025
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades PFSI, for Pro members

9 more findings on PFSI, each with its source, for Pro members.

Is PFSI's dividend covered? What its financials say

Its free cash flow over the last four quarters was -$252M, while it paid dividends.

PFSI's dividend against its free cash flow
Dividend	$1.20 a share a year Paid 4 times a year
Paid out	About $62.3M a year $1.20 a share on 52M shares, the count on its cover page as of Oct 30, 2026
Free cash flow	-$252M The last four quarters, to Sep 30, 2026

PFSI's officers and directors

Officers and directors with a Form 4 in the last 12 months.

David SpectorChairman & CEO · 7 trades
Doug JonesDirector, President & CMBO · 3 trades
Daniel Stanley PerottiChief Financial Officer · 3 trades
Gregory L. HendryMD, Chief Accounting Officer · 3 trades
Derek StarkChief Legal Officer · 2 trades
Abbie TidmoreChief Revenue Officer · no trades on file
James FolletteChief Digital Officer · no trades on file
Mark ElbaumChief Capital Markets Officer · no trades on file

9 more officers and directors file at PFSI.

See insider trades by person

Which ETFs hold PFSI?

In ETFs: PFSI is under 0.1% of VYM and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Jul 31, 2026.

About PennyMac Financial Services

PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform mainly focused on the production and servicing of U.S. residential mortgage loans. The firm is also engaged in managing investments related to the U.S. mortgage market and provides products and services that leverage technologies to support customers. The company operates through two reportable operating segments: production and servicing. The production segment performs loan origination, acquisition, and sale activities, while the servicing segment performs servicing and subservicing of loans, early buyout transactions, and servicing of loans sourced and managed for PMT. The majority of revenue comes from the production segment.

4,900 employeesWestlake Village, CApennymac.com

What PennyMac Financial Services says it competes with

“Given the diverse and specialized nature of our businesses, we do not believe we have a direct competitor for the totality of our business.”

From its annual report, SEC filing · Feb 20, 2026

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See PFSI's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: PFSI's Quality Score is -1 (Poor), #5 of 7 in Mortgage & Loans.

What does PFSI's Quality Score say?

PFSI scores -1 today, which Breakaway calls Poor. It is #5 of 7 in Mortgage & Loans by Quality Score, with 0 of 14 chart checks firing. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is PFSI's Quality Score?

PFSI scores -1 today, which Breakaway calls Poor (below zero). That is #5 of 7 in Mortgage & Loans by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind PFSI's -1.

When does PFSI report earnings?

Expected to report Thu Jan 28, after the close, a date Breakaway expects from the company's usual timing; the company has not confirmed it. PFSI closed higher after 0 of its last 4 reports. Past behavior, not a forecast.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.