PFSI
PennyMac Financial Services, Inc. Common Stock
MORTGAGE BANKERS & LOAN CORRESPONDENTS
PennyMac Financial Services (PFSI) Stock: Buy, Sell, or Hold?
$62.14
-0.71 (-1.13%)
âŧ
5d:
-8.01%
30d:
+4.81%
90d:
-21.82%
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70/30 Portfolio Builder
Earnings: Oct 29, 2026
0d
Protect PFSI Gains
Updated Nov 10, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (73%)
Quality Score
40/100
Position
FAIR
30-Day Fair Range
$59.97 â $65.04
Position: FAIR
Forward P/E & Valuation
9.2x
STRETCHED
vs 6.6x historical avg
Wall Street Target
$72.17
+14.8% upside
Options IV & Volume
45th pct IV
HIGH volume confirmation
Support / Resistance
$60.24 / $69.00
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: PFSI is fairly priced but lacks strong directional signals. At 11.9% expected growth, valuation appears stretched. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$79.22
Based on 12.2% avg growth
INTRINSIC VALUE TODAY
$49.19
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PFSI is currently trading at $62.14, which is considered fair relative to its 30-day fair value range of $59.97 to $65.04. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.2) compared to its historical average (6.6). At these levels, the market is pricing in 11.9% annual earnings growth.
Technical Outlook: Technically, PFSI is in a strong downtrend. Immediate support is located at $60.24, while resistance sits at $69.00.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $72.17 (+14.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, PFSI is in a strong downtrend. Immediate support is located at $60.24, while resistance sits at $69.00.
Market Sentiment: The stock scores a mixed 43/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $72.17 (+14.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$59.97 -
$65.04
Company Quality Score
40/100
(SELL)
Options IV Signal
45th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
72.7%
Trading Range & Key Levels
30-Day Trading Range
$59.97 -
$65.04
Current vs Trading Range
FAIR
Expected Move (7 Days)
Âą$3.75
(6.0%)
Support Level
$60.24
Resistance Level
$69.00
Current Trend
Strong Downtrend
Technical data as of
Nov 10, 2026
Protect Your Profits
Holding PFSI? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 45th percentile)
- NEUTRAL: Mixed technical signals (43/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($72.17)
- BULLISH: Expecting earnings turnaround to 11.9% growth with 1.8% revenue growth
- WARNING: Composite score 40/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
9.23
Wall Street Target
$72.17
(+14.8%)
Revenue Growth (YoY)
1.8%
Earnings Growth (YoY)
-84.0%
Profit Margin
11.3%
Valuation Premium vs History
+11.9% premium
PE vs Historical
9.2 vs 6.6
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+11.9%
(market-implied from PE analysis)
1-Year Target
$70.33
(+12%)
2-Year Target
$78.70
(+25%)
3-Year Target
$88.06
(+40%)
3-Yr Target (if PE normalizes)
(PE: 9â7)
PE COMPRESSION
$62.98
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 20.3%)
$235.57
(+275%)
Base:
(SPY PE: 9.2, Growth: 20.3%)
$109.47
(+74%)
Bear:
(PE: 6.6, Growth: 20.3%)
$78.29
(+25%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 14.96 | Current EPS (TTM): $4.44
Bull Case
$112.10
(+78%)
Analyst growth 53.4%, PE expands to 16.5
Base Case
$101.90
(+62%)
Market implied 53.4%, PE stable at 15.0
Bear Case
$45.18
(-28%)
Severe decline -20.0%, PE contracts to 12.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (PFSI)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jun 29, 2026
Daily AI digest
AI Retail Discussion Summary:
A bullish sentiment is prevailing on StockTwits regarding $PFSI with a mention of a possible double bottom chart formation.
Key Retail Themes:
Technical Analysis
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 9:18 AM ET
Data refreshes hourly during market hours. Next update: 10:18 AM
Data refreshes hourly during market hours. Next update: 10:18 AM
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Insider Activity (6 Months)
0
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