PFSI
PennyMac Financial Services
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: PFSI
- PE Ratio
As of Jun 25, 2026, the PennyMac Financial Services stock's PE ratio is 8.62. This takes into account the latest EPS of $9.78 and stock price of $84.3. The PE ratio marks a decrease of 29% from its last 4 quarters average of 12.2.
PFSI PE ratio history
The PE ratio of PennyMac Financial Services has averaged 9.37 over the last ten years. The current P/E ratio of 8.62 is 8% lower than the historical average. Looking back at the last ten years, PFSI's PE ratio peaked in the Sep 2024 quarter at 34.23, when the price was $113.97 and the EPS was $3.33. The lowest point was in the Mar 2020 quarter, when it reached 2.66 with a price of $22.11 and an EPS of $8.31.
PennyMac Financial Services PE ratio by year
Maximum annual increase: 383.86% in 2023
Maximum annual decrease: -55.9% in 2020
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 13.61 | -18.6% | $131.84 | $9.69 |
| 2024 | 16.72 | -45.32% | $102.14 | $6.11 |
| 2023 | 30.58 | 383.86% | $88.37 | $2.89 |
| 2022 | 6.32 | 42.34% | $56.66 | $8.96 |
| 2021 | 4.44 | 48.49% | $69.78 | $15.73 |
| 2020 | 2.99 | -55.9% | $65.62 | $21.91 |
| 2019 | 6.78 | -16.4% | $34.04 | $5.02 |
| 2018 | 8.11 | 57.48% | $21.26 | $2.62 |
| 2017 | 5.15 | -7.87% | $22.35 | $4.34 |
| 2016 | 5.59 | -21.05% | $16.65 | $2.98 |
| 2015 | 7.08 | -29.2% | $15.36 | $2.17 |
| 2014 | 10 | -52.7% | $17.3 | $1.73 |
| 2013 | 21.14 | N/A | $17.55 | $0.83 |
| 2012 | N/A | N/A | N/A | $942.89 |
| 2011 | N/A | N/A | N/A | $11.63 |
PennyMac Financial Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 8.94 | -34.31% | $87.4 | $9.78 |
| Dec 2025 | 13.61 | 6.25% | $131.84 | $9.69 |
| Sep 2025 | 12.81 | -3.32% | $123.88 | $9.67 |
| Jun 2025 | 13.25 | -9.86% | $99.64 | $7.52 |
| Mar 2025 | 14.7 | -12.08% | $100.11 | $6.81 |
| Dec 2024 | 16.72 | -51.15% | $102.14 | $6.11 |
| Sep 2024 | 34.23 | 38.58% | $113.97 | $3.33 |
| Jun 2024 | 24.7 | -16.75% | $94.6 | $3.83 |
| Mar 2024 | 29.67 | -2.98% | $91.09 | $3.07 |
| Dec 2023 | 30.58 | 106.62% | $88.37 | $2.89 |
| Sep 2023 | 14.8 | 10.12% | $66.6 | $4.5 |
| Jun 2023 | 13.44 | 45.14% | $70.31 | $5.23 |
| Mar 2023 | 9.26 | 46.52% | $59.61 | $6.44 |
| Dec 2022 | 6.32 | 64.58% | $56.66 | $8.96 |
| Sep 2022 | 3.84 | 10.66% | $42.9 | $11.16 |
PFSI Price vs fair value
PFSI average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
PFSI's current PE ratio is lower than its 3, 5 and 10-year averages.
PE comparison
With a price to earnings (P/E) of 8.62, PFSI ranks lower than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 12.98, PennyMac Financial Services's price to earnings (P/E) is 34% lower.
PFSI PE vs peers
PFSI's PE ratio stands lower than its peer stock WRLD, but it is higher than SLM's.
| Stock name | PE ratio | Market cap |
|---|---|---|
| SLM SLM Corp | 6.98 | $4.81B |
| PFSI PennyMac Financial Services Inc | 8.8 | $4.47B |
| WRLD World Acceptance Corp | 30.06 | $976.56M |
| FMCC Federal Home Loan Mortgage Corp | N/A | $4.24B |
Frequently asked questions
What is PennyMac Financial Services's PE ratio?
The price to earnings ratio for PFSI stock is 8.62 as of Jun 25, 2026.
What is the 3-year average PE ratio for PennyMac Financial Services (PFSI)?
The average PE ratio for PFSI stock over the past 3 years is 18.95.
What is the 5-year average PE ratio for PennyMac Financial Services (PFSI)?
The average PE ratio for PFSI stock over the past 5 years is 13.24.
What is the highest PE ratio for PFSI?
The highest quarterly PE ratio in the last ten years has been 34.23 and it was in the Sep 2024 quarter.
How does the current PE ratio for PFSI compare to its historical average?
PFSI's price to earnings ratio is currently 8% below its 10-year historical average.
Why is PennyMac Financial Services's PE ratio so low?
PFSI's PE ratio is low because its earnings per share (EPS) is high relative to its stock price.
How is PFSI's PE ratio calculated (PennyMac Financial Services PE ratio formula)?
The P/E ratio is calculated by taking the latest stock price and dividing it by the EPS for the last 12 months. As of today (Jun 25, 2026), PennyMac Financial Services's share price is $84.3. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $9.78. Therefore, PennyMac Financial Services's PE ratio for today is 8.62. PE RATIO(8.62) = STOCK PRICE($84.3) / TTM EPS($9.78)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.