PFSI
PennyMac Financial ServicesBNYSE / Financial Services
Last Price
At close
2026-07-18
Current thesis
Narrowing MBS spreads, stronger servicing margins, and broker upgrades drive re-rating toward the analyst high (~$168).
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta 0.0.
What can break
Adverse prepayment/servicing or regulatory outcomes
Momentum
23
Value
61
Sentiment
85
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $149.62 · Bull $168.00 · Bear $85.00
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-30 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $102.57
Why
Momentum23 · Δ7d +6.0
Value61 · Δ7d -0.1
Sentiment85 · Δ7d 0.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Sentiment · See AI snapshot
Momentum
23
26% active weight
Current posture
7d trendImproving
Δ7d
+6.0
Δ21d
+2.2
Value
61
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.4
Sentiment
85
34% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
0.0
Why this grade
Composite grade B. Momentum 22.6 / Value 60.8 / Sentiment 84.8
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$4.43B
Beta
1.55
Shares Out
51.92M
P/E (TTM)
14.5
P/S (TTM)
2.40
P/FCF (TTM) · Derived
-1.22
Rev YoY
+66.9%
EPS YoY
+7.5%
Gross Margin
+87.7%
Op Margin
+18.8%
Net Debt
$15.01B
Current Ratio
0.07
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology