PennyMac Financial Services, Inc. (PFSI) has a MarketKingdoms composite score of 44.2 (C-), an C-range rating. It ranks 1826th of 1,866 covered companies, 323rd of 330 in Financial (sector average 62.8) and 2nd of 6 in Mortgage Finance. Scores as of 2026-10-25.
Its strongest lenses are Price (valuation) at 68 (Financial average 52) and Catalyst watch at 63 (Financial average 69). Its weakest lenses are Trend (momentum) at 4 (sector average 49) and KPI momentum at 33 (sector average 75).
| Lens | Type | PFSI | Financial average | Mortgage Finance average | Percentile in sector |
|---|---|---|---|---|---|
| Industry opportunity | Research signal | 47 | 76 | 47 | 2nd |
| Stock selection | Research signal | 59 | 77 | 66 | 4th |
| KPI momentum | Research signal | 33 | 75 | 53 | 2nd |
| Catalyst watch | Research signal | 63 | 69 | 63 | 18th |
| Price (valuation) | Fundamental lens | 68 | 52 | 47 | 77th |
| Expansion (growth) | Fundamental lens | 54 | 51 | 64 | 61st |
| Quality (profitability) | Fundamental lens | 35 | 49 | 26 | 26th |
| Trend (momentum) | Fundamental lens | 4 | 49 | 5 | 4th |
The most recent call analysed was held on 2026-07-29 (fiscal 2026 Q2). MarketKingdoms checks what management promised on each call against what it later delivered.
The stock's valuation gap is -33.6%: its price is well below the path its market, sector and industry moves explain (strongly undervalued versus the model path). Factor sensitivity: market beta 1.30, sector beta 1.34, industry beta 0.13; the factor model explains 50% of its moves (R²).
| Company | Composite | Grade | Valuation gap |
|---|---|---|---|
| Velocity Financial, Inc. (VEL) | 60.4 | B- | -9.6% |
| Rocket Companies, Inc. (RKT) | 44.1 | C- | -24.9% |
| Walker & Dunlop, Inc. (WD) | 43.2 | C- | -20.8% |
| Better Home & Finance Holding Co (BETR) | 40.1 | C- | +3.6% |
| UWM Holdings Corp (UWMC) | 37.9 | D+ | -29.6% |
PennyMac Financial Services, Inc. financial statements · Financial sector ranking · Mortgage Finance industry ranking · All covered companies
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.