페니맥 파이낸셜 서비스즈(PFSI) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

PFSI

PennyMac Financial Services Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$84.47

+0.12 ▲ +0.14%

🌙 7월 27일 7:34 PM ET (한국 7/28 08:34)

$84.25

-0.22 ▼ -0.26%

페니맥 파이낸셜 서비스즈(PFSI) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$4.4B

스몰캡

P/E

9.0

저평가 구간

배당수익률

0.95%

52주 위치

저점 +9% · 고점 -47%

애널리스트

매수

Fundamental health

vs. Financial 중형주

수익성

Top 53%

성장

Top 52%

밸류에이션

Top 82%

재무 안정

Top 61%

💰 Is this stock pricier than usual right now?

Compared to this company's own recent 5년 (not other companies).

Very cheap

Cheap

Typical

Pricey

Very pricey

Simply put — what you pay today to own $1 of this company's yearly earnings is 9원. Over the past 5년, it usually traded around 13원. On the cheaper side versus its own history.

Pricy doesn't mean bad — it means expectations are already baked in.

Index ⓘ	RUT	P/E ⓘ	8.97	EPS (ttm) ⓘ	9.41	Insider Own ⓘ	34.26%	Shs Outstand ⓘ	51.9M	Perf Week ⓘ	1.06%
Market Cap ⓘ	4.39B	Forward P/E ⓘ	6.16	EPS next Y ⓘ	41.06%	Insider Trans ⓘ	-0.38%	Shs Float ⓘ	34.1M	Perf Month ⓘ	0.2%
Enterprise Value ⓘ	20.93B	PEG ⓘ	0.33	EPS next Q ⓘ	2.25	Inst Own ⓘ	65.64%	Short Float ⓘ	7.05%	Perf Quarter ⓘ	-7.57%
Income ⓘ	0.51B	P/S ⓘ	0.92	EPS this Y ⓘ	4.53%	Inst Trans ⓘ	4.21%	Short Ratio ⓘ	4.44	Perf Half Y ⓘ	-44.02%
Sales ⓘ	4.78B	P/B ⓘ	1.01	EPS next 5Y ⓘ	18.79%	ROA ⓘ	1.82%	Short Interest ⓘ	2.41M	Perf YTD ⓘ	-35.93%
Book/sh ⓘ	83.31	P/C ⓘ	6.71	EPS past 3/5Y ⓘ	3.05% -14.97%	ROE ⓘ	12.32%	52W High ⓘ	-47.32% ($160.36)	Perf Year ⓘ	-10.21%
Cash/sh ⓘ	12.59	P/FCF ⓘ	-	Sales past 3/5Y ⓘ	15.79% 0.08%	ROIC ⓘ	4.76%	52W Low ⓘ	8.76% ($77.67)	Perf 3Y ⓘ	5.32%
Dividend Est. ⓘ	$0.8 (0.95%)	EV/EBITDA ⓘ	13.67	EPS Y/Y TTM ⓘ	43.82%	Gross Margin ⓘ	87.67%	Volatility(W/M) ⓘ	3.09% 2.93%	Perf 5Y ⓘ	40.95%
Dividend TTM ⓘ	1.2	EV/Sales ⓘ	4.38	Sales Y/Y TTM ⓘ	24.55%	Oper. Margin ⓘ	30.59%	ATR (14) ⓘ	2.54	Perf 10Y ⓘ	557.39%
Dividend Ex-Date ⓘ	2026/5/18	Quick Ratio ⓘ	0.07	EPS Q/Q ⓘ	7.45%	Profit Margin ⓘ	10.62%	RSI (14) ⓘ	52	Recom ⓘ	1.75
Dividend Gr. 3/5Y ⓘ	14.47% 17.32%	Current Ratio ⓘ	0.07	Sales Q/Q ⓘ	66.85%	SMA20 ⓘ	0.75% ($83.84)	Beta ⓘ	1.44	Target Price ⓘ	$102.57
Payout ⓘ	12.9%	Debt/Eq ⓘ	3.98	Earnings ⓘ	2026/7/29	SMA50 ⓘ	0.99% ($83.64)	Rel Volume ⓘ	1.01	Prev Close ⓘ	$84.35
Employees ⓘ	4900	LT Debt/Eq ⓘ	1.46	EPS/Sales Surpr. ⓘ	-32.45% -0.22%	SMA200 ⓘ	-19.57% ($105.02)	Avg Volume(3M) ⓘ	0.54M	Price ⓘ	$84.47
IPO ⓘ	2013/5/9	Option/Short ⓘ	Yes/Yes			Trades ⓘ	7611	Volume ⓘ	547,978	Change ⓘ	0.14%

Quarterly earnings trend SEC filings · USD

24.6

24.9

24.12*

25.3

25.6

25.9

25.12*

26.3

Revenue Net income 최근 분기: 매출 $6M (YoY +24%) · 순이익 $82M (YoY +8%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 PennyMac Financial Services Inc (PFSI) Investment Analysis

What kind of company is PennyMac Financial Services Inc?

페니맥 파이낸셜 서비스즈(PFSI) 성장주

Financial · Mortgage Finance

#1502 by Market Cap — Mid-Cap

A U.S. mortgage finance company that spans the full spectrum of residential mortgage lending, from origination to servicing. It directly originates and purchases residential mortgage loans and generates fee income through loan servicing, making it one of the largest players in the U.S. mortgage market. It is an integrated mortgage finance company combining origination and servicing capabilities.

Learn more about PennyMac Financial Services Inc →

Market Cap

$4.4B

Approx. KRW 6.0 trillion

⚖️ 2% of Samsung Electronics

Market Cap Rank1502

Employees4,900people

IPO2013/05/09

Current Price$84.47 ≈ 115,724원

📌 RUT · NYSE · USA

Key Events

⏰ Upcoming events

🔔 Earnings release D-1

7월 29일 (수) · 장 마감 후

예상 매출 - · EPS $2.15

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🎯 Ex-div 2026년 5월 18일 (월) 주당 $0.3

🔔 Earnings release 2026년 5월 5일 (화) · 장 마감 후 EPS -32.5% 매출 -0.2%

🎯 Ex-div 2026년 2월 13일 (금) 주당 $0.3

🔔 Earnings release 2026년 1월 29일 (목) · 장 마감 후 EPS -36.5% 매출 -15.0%

Is it profitable?

Profitable but financially weak

High debt load may weigh on results in a downturn

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

30.6%

✓ 양호

My positionMid-range

Low range Average High range

Financial 중형주 Median 26.8% · Top 37%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

10.6%

✓ 평균

My positionMid-range

Low range Average High range

Financial 중형주 Median 19.4% · Bottom 26%

💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수

Gross Margin

Profit after subtracting raw-material costs only (signals product competitiveness)

87.7%

✓ 양호

My positionMid-range

Low range Average High range

Financial 중형주 Median 76.4% · Top 30%

💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)

ROE

Annual return earned on shareholders' equity (15%+ is strong)

12.3%

✓ 양호

My positionMid-range

Low range Average High range

Financial 중형주 Median 12.1% · Top 49%

💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)

ROA

Annual earnings relative to total company assets

1.8%

✓ 양호

My positionMid-range

Low range Average High range

Financial 중형주 Median 1.5% · Top 48%

💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수

ROIC

Return generated per dollar invested in the business

4.8%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 중형주 Median 8.4% · Bottom 23%

💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

3.98

✓ Very high debt

My positionBottom 5%

Low range Average High range

Financial 중형주 Median 0.41

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

0.07

✓ 위험

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

Quick Ratio

Liquid assets excluding inventory, available for immediate use

0.07

✓ 위험

💡 1.0 이상이면 안전, 0.5 미만이면 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Positive Outlook

Price targets, growth, and valuation are favorable

애널리스트 목표가

$102.57

현재가 대비 +21.4%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

6.16배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

PEG (성장 반영 밸류)

0.33

저평가

💡 PEG < 1 — 성장 대비 저렴

내년 EPS 예상 성장률

+41.1%

💡 10% 이상이면 견조한 성장, 마이너스는 이익 감소 예상

5년 EPS 예상 연평균

+18.8%

💡 장기 성장 전망. 15% 이상이면 고성장 기업

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Mixed beats and misses

예상 상회

예상 부합

예상 하회

50%

상회 비율

-18.5%

평균 서프라이즈

2026.05.05

상회

실적 $2.19 · 예상 $2.14 +2.3%

2026.01.29

하회

실적 $1.96 · 예상 $3.23 -39.3%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth

Mid-range within the industry

Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity

🔮 How much will it grow? (analyst forecasts)

This Year's EPS Outlook

Projected EPS growth rate for this year

+4.5%

부진

My positionBottom 25%

Low range Average High range

성장주 중형주 Median 13.7% · Bottom 20%

Next Year's EPS Outlook

Projected EPS growth rate for next year (analyst consensus)

+41.1%

우수

My positionTop 5%

Low range Average High range

성장주 중형주 Median 15.1% · Top tier

5-Year EPS CAGR Outlook

Projected average annual EPS growth over the next 5 years

+18.8%

양호

My positionMid-range

Low range Average High range

성장주 중형주 Median 15.9% · Top 35%

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+3.0%

평균

My positionMid-range

Low range Average High range

성장주 중형주 Median 8.2% · Bottom 43%

Past 5-Year EPS

Actual average annual EPS growth over the past 5 years

-15.0%

부진

My positionBottom 25%

Low range Average High range

성장주 중형주 Median 13.1% · Bottom 10%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+0.1%

매우 부진

My positionBottom 5%

Low range Average High range

성장주 중형주 Median 10.6% · Bottom tier

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

+66.8%

우수

My positionTop 5%

Low range Average High range

성장주 중형주 Median 11.1% · Top tier

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Underperformed the market by 27%p over 5 years

PFSI +41.0% · S&P 500 +68.3%

Excess return vs. market (price-based, ex-dividends)

5-year basis

vs S&P 500

-27.4%p

behind the market

1-year basis

vs S&P 500

-26.2%p

behind the market

Current position within 52-week range

Low (-8.8%p) High (-47.3%p)

Current price is 8.8% above the 52-week low and 47.3% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-18.4%

Annualized volatility

30.1%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-27

Uptrend zone

Current price $84.47 above the midline ($83.84). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟢

Current diagnosis · 2026-07-27

Bullish momentum holding

MACD 0.150 > Signal 0.031 in positive zone + Hist positive (+0.119). Trend in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 52.0 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 62.3.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry

Cheap on Vs. Earnings·Vs. Assets·Vs. Sales, In line with peers on Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Cheap

🏢 Vs. Assets Cheap

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Mid-range

💵 Vs. Earnings

PER Price-to-Earnings Ratio

How expensive the price is vs. earnings — lower is cheaper

8.97x

✓ Very cheap

My positionTop 25%

Low range Average High range

Financial 중형주 median 13.04x · Top 19% — relatively cheap within the industry

💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

6.16x

✓ Very cheap

My positionTop 5%

Low range Average High range

Financial 중형주 median 10.74x · Top 1% — relatively cheap within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

1.01x

✓ Very cheap

My positionTop 25%

Low range Average High range

Financial 중형주 median 1.42x · Top 16% — relatively cheap within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

0.92x

✓ Very cheap

My positionTop 5%

Low range Average High range

Financial 중형주 median 2.90x · Top 1% — relatively cheap within the industry

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

EV/EBITDA Enterprise Value Multiple

Total enterprise value ÷ operating cash earnings — a benchmark for M&A

13.67x

✓ Fair

My positionMid-range

Low range Average High range

Financial 중형주 median 12.82x · Around the industry average

💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)

Analyst target price (reference)

$102.57 vs. current price +21.4%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Financial 중형주

Who owns it?

Ownership is broadly stable

Insider modest net selling -0.4% · Institutional net buying +4.2% · Short interest moderate 7.0% · Short interest up +1.1pp over last 90d

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

-0.4%

Insiders net selling

🏦 Institutions (funds & investors)

+4.2%

Institutions net buying

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 65.6%

Adequate institutional weight

Financial 중형주 Median 76.4%

🧑‍💼 Insiders 34.3%

Founder/management large holders (strong skin-in-the-game)

Financial 중형주 Median 3.1%

👤 Retail investors (estimated) 0.1%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

7.0%

Moderate

Financial 중형주 Median 5.1%

Past 90 days 📈 +1.1%p increase

Short interest days to cover

4.4 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 51.9M주

Float (tradable shares) 34.1M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding PFSI

ETFs with the highest weightings · 10 total shown

PLA

GraniteShares Autocallable PLTR ETF

3.44%

$3M

DBSC

Deepwater Beachfront Small Cap ETF

1.20%

$5M

SSMG

Virtus Silvant Small/Mid Growth ETF

1.09%

$3M

ZTOP

F/m High Yield 100 ETF

0.99%

$16M

KBE

State Street SPDR S&P Bank ETF

0.99%

$1.6B

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

배당 지급 — 연 0.95%

배당보다 주가 성장에 가까운 비중

Dividend Yield

0.95%

Industry average 2.62%

Dividend Per Share

$0.80

Annualized

Payout Ratio

13%

Share of net income paid as dividends

5-Year Growth

17.3%

Annualized dividend growth

📅 지급월 2월 · 8월 · 11월

📊 총 이력 2018~2026 (27건)

연도별 배당 총액 추이

주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.

$0.40

2018

$0.12 -70.0%

2019

$0.54 +350.0%

2020

$0.80 +48.1%

2021

$0.80 +0.0%

2022

$0.80 +0.0%

2023

$1.00 +25.0%

2024

$1.20 +20.0%

2025

$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소

최근 배당 이력 총 27건

아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.

배당락일

주당 금액

지급일

당시 수익률

2026-02-13

$0.300

—

1.63%

2025-11-17

$0.300

—

1.21%

2025-08-13

$0.300

—

1.38%

2025-05-14

$0.300

—

1.21%

2025-02-13

$0.300

—

1.09%

2024-11-18

$0.300

—

0.98%

2024-08-13

$0.300

—

1.12%

2024-05-13

$0.200

—

1.11%

2024-02-12

$0.200

—

1.09%

2023-11-10

$0.200

—

1.39%

2023-08-14

$0.200

—

1.37%

2023-05-15

$0.200

—

1.64%

2023-02-13

$0.200

—

1.51%

2022-11-10

$0.200

—

1.78%

2022-08-15

$0.200

—

1.35%

2022-05-16

$0.200

—

1.76%

2022-02-14

$0.200

—

1.32%

2021-11-12

$0.200

—

1.46%

2021-08-13

$0.200

—

1.34%

2021-05-14

$0.200

—

1.36%

2021-02-11

$0.200

—

1.15%

2020-11-13

$0.150

—

1.18%

2020-08-14

$0.150

—

1.03%

2020-05-15

$0.120

—

1.25%

2020-02-13

$0.120

—

0.68%

2019-11-14

$0.120

—

0.38%

2018-08-10

$0.400

—

1.88%

* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.

💰 내가 100만원 투자한다면

연간 배당금 (세후) 8,050원

5년 누적 (세후) 5.7만원

* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 17.32% 가정.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
PFSI This Stock	$4.4B	9.0 ▲	1.0 ▲	12.32% ▲	0.95% ▼	+0.1%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 페니맥 파이낸셜 서비스즈(PFSI)?

페니맥 파이낸셜 서비스즈(PFSI) belongs to the Financial sector and operates in the Mortgage Finance industry.

What is the market cap of PFSI?

The market cap of PFSI is approximately $4.4B, ranking 1,502 within its sector.

Does PFSI pay dividends?

PFSI has a dividend yield of approximately 0.95%, with an annual dividend of $0.80.

What is the P/E ratio of PFSI?

PFSI has a P/E ratio of approximately 9.0x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for PFSI?

PFSI has recorded a 52-week high of $160.36 and a low of $77.67.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.