PennyMac Financial Services, Inc. (PFSI) P/E Ratio History
Historical price-to-earnings valuation from 2013 to 2026
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PFSI Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, PennyMac Financial Services, Inc. (PFSI) trades at a price-to-earnings ratio of 9.4x, with a stock price of $87.48 and trailing twelve-month earnings per share of $9.42.
The current P/E is 33% below its 5-year average of 14.0x. Over the past five years, PFSI's P/E has ranged from a low of 2.9x to a high of 36.2x, placing the current valuation at the 40th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.3x, PFSI trades at a 29% discount to its sector peers. The sector includes 779 companies with P/E ratios ranging from 0.0x to 197.4x.
Relative to the broader market, PFSI trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PFSI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PFSI P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 67.1 | - | - | |
| $724M | 28.5 | - | -8% | |
| $439M | 12.8 | 0.17Best | +344% | |
| $1B | 12.3 | 0.41 | -28% | |
| $16B | 7.7Lowest | - | +80% | |
| $10B | 11.5 | - | +1760%Best | |
| $5B | 9.3 | - | -38% | |
| $1B | 31.2 | - | -46% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
PFSI Historical P/E Data (2013–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | $87.40 | $9.41 | 9.3x | -5% | |
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $131.84 | $9.30 | 14.2x | +44% |
| FY2025 Q3 | $123.88 | $9.28 | 13.3x | +36% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $99.64 | $7.21 | 13.8x | +41% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $100.11 | $6.52 | 15.4x | +56% |
| FY2024 Q4 | $102.14 | $5.84 | 17.5x | +78% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $113.97 | $3.15 | 36.2x | +268% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $94.60 | $3.62 | 26.1x | +166% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $91.09 | $2.88 | 31.6x | +222% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $88.37 | $2.71 | 32.6x | +232% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $66.60 | $4.16 | 16.0x | +63% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $70.31 | $4.85 | 14.5x | +48% |
Average P/E for displayed period: 9.8x
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Start ComparisonPFSI — Frequently Asked Questions
Quick answers to the most common questions about buying PFSI stock.
Is PFSI stock overvalued or undervalued?
PFSI trades at 9.4x P/E, below its 5-year average of 14.0x. At the 40th percentile of historical range, the stock is priced at a discount to its own history.
How does PFSI's valuation compare to peers?
PennyMac Financial Services, Inc. P/E of 9.4x compares to sector median of 13.3x. The discount suggests lower growth expectations or higher risk.
What is PFSI's PEG ratio?
PFSI PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2013-2026.