What is the 13F Pro Quality Score for PFSI?

13F Pro ranks PennyMac Financial Services, Inc. (PFSI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PFSI's current score at https://13fpro.ai/company/PFSI (free sign-up required for the full ranking).

Where does 13F Pro source PFSI data?

All PennyMac Financial Services, Inc. fundamentals and ownership data come directly from SEC EDGAR. PennyMac Financial Services, Inc. files with the SEC under CIK 1745916. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PFSI in?

PennyMac Financial Services, Inc. (PFSI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives PFSI's revenue?

Per PennyMac Financial Services, Inc.'s latest 10-Q filed with the SEC on 2026-08-04, the biggest revenue drivers are: Loan production revenues ($354.9M, +18.5% YoY); Net loan servicing fees ($145.8M, -3.0% YoY); Net interest expense ($(28.3)M, $(10.6)M worse YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/PFSI.

What are PFSI's largest expenses?

PennyMac Financial Services, Inc.'s latest 10-Q reports these as the largest expense items: Compensation ($222.8M, +18.8% YoY); Loan origination ($93.9M, +36.3% YoY); Servicing ($42.5M, +50.2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is PFSI research updated on 13F Pro?

PFSI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PennyMac Financial Services, Inc.(PFSI)Stock Analysis

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Financials →NYSEmid

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SEC EDGAR: CIK 1745916 PFSI stock profile & AI dashboard →

13F Pro Quality Score

62.8/100

Rank #680 of 2,962 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

83.5/100

Profitability

70.6/100

Balance Sheet

48.9/100

Earnings Quality

1.8/100

Free Cash Flow

7.2/100

Institutional Flow

31.9/100

Revenue Scale

64.9/100

Dilution Risk

1.9/100

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Why PFSI Scores 63/100

exact factor attribution · 2026-09-11

PFSI's composite is driven by revenue growth and profitability, held back by free cash flow and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.9 pts

84th pct

Profitability

+4.1 pts

71th pct

Scale

+3.0 pts

65th pct

Earnings growth

+1.3 pts

69th pct

Capital efficiency

-0.1 pts

49th pct

Institutional flow

-1.2 pts

32th pct

Shareholder dilution

-3.2 pts

2th pct

Earnings quality

-4.8 pts

2th pct

Free cash flow

-6.4 pts

7th pct

Latest change (2026-08-04): 54 → 53 · ↓ Earnings growth 83→71

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

PFSI Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for PennyMac Financial Services, Inc. (PFSI), a Financials sector company. 13F Pro's AI-powered ranking engine scores PFSI at 62.8/100 on a 32-signal composite quality model, placing it at rank #680 of 2,962 stocks — the top 25% of the AI-ranked universe. PFSI scores in the top quartile across revenue growth (83.5). Areas of concern include earnings quality (1.8) and free cash flow (7.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 1.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), PennyMac Financial Services, Inc. reports quarterly revenue of $497.0M, net income of $21.7M, free cash flow of $2.1B. Top institutional holders of PFSI by reported 13-F value include MFN Partners Management, T. Rowe Price Investment Management, BlackRock, based on the most recent SEC filings. PFSI trades on the NYSE exchange and files with the SEC under CIK 1745916. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PFSI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PennyMac Financial Services, Inc. directly from SEC EDGAR. PennyMac Financial Services, Inc.'s 13F Pro composite quality score has ranged between 38 and 64 since 2021, currently 62.8 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

What's Driving PFSI's Business? Latest 10-Q Breakdown

AI-extracted from PennyMac Financial Services, Inc.'s 10-Q filed 2026-08-04 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income fell 84% to $21.7M in Q2 2026 as loan production revenue rose but was offset by higher compensation, origination, and servicing expenses amid weaker mortgage market conditions.

Biggest Revenue Drivers

Loan production revenues$354.9M+18.5% YoY

Higher volume in broker and consumer direct lending channels

Net loan servicing fees$145.8M-3.0% YoY

Growth in servicing portfolio offset by MSR/MSL valuation changes and hedging losses

Biggest Revenue Drivers

Total revenue: $497.0M+11.7% YoY

Loan production revenues$354.9M+18.5% YoY

Higher volume in broker and consumer direct lending channels

Net loan servicing fees$145.8M-3.0% YoY

Growth in servicing portfolio offset by MSR/MSL valuation changes and hedging losses

Net interest expense$(28.3)M$(10.6)M worse YoY

Higher interest expense from larger MSR financing and Agency loan repayment shortfalls

Largest Expense Items

Compensation$222.8M+18.8% YoY

Higher headcount (5,633 avg vs 4,589) and increased incentive comp from higher loan volumes

Loan origination$93.9M+36.3% YoY

Higher origination volumes in broker and consumer direct lending channels

Servicing$42.5M+50.2% YoY

Higher provision for losses on servicing advances from larger portfolio and delinquencies

Technology$44.4M+5.2% YoY

Software license expenses and $1.2M capitalized software impairment

Margins: Operating margins compressed as expenses grew faster than revenues. Net interest expense worsened $10.6M YoY, driven by higher MSR financing costs and Agency loan repayment shortfalls. MSR/MSL valuation changes and hedging losses totaled $390M, reducing net servicing income despite growth in the servicing portfolio.

Watch Items from the Filing

Loan servicing portfolio UPB of $731.1B; delinquencies (60+ days) of $33.8B (4.6% of portfolio) increased from $35.9B at year-end 2025, potentially indicating credit stress.
Pending Cenlar subservicing acquisition for $172.5M upfront plus up to $85M contingent consideration; transaction expected H2 2026, subject to regulatory approval.
Interest rate environment: elevated rates constrain originations; Company expects 2026 market to decline from 2025 levels; refinance volumes minimal; cost reduction measures implemented Q3 2026.
Dependence on PMT: PMT-related revenues 10% of total Q2 2026; related-party mortgage loan sales to PMT $5.0B in Q2 with $481M UPB of recaptures.
Representations and warranties liability: $37.3M recorded against $521.7B UPB of loans subject to reps/warranties; elevated interest rates may increase repurchase rates and losses.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$497.0M

Net Income

Q2 2026

$21.7M

Free Cash Flow

Q2 2026

$2.1B

ROIC

Q2 2026

1.2%

D/E Ratio

Q2 2026

1.46

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+28.4% YoY

$2.05BFY 2025

FY22 $1.99BFY23 $1.40BFY24 $1.59BFY25 $2.05B

Net Income

+60.9% YoY

$501.1MFY 2025

FY22 $475.5MFY23 $144.7MFY24 $311.4MFY25 $501.1M

EPS (Diluted)

+59.2% YoY

$9.30FY 2025

FY22 $8.50FY23 $2.74FY24 $5.84FY25 $9.30

Total Assets

+12.7% YoY

$29.39BFY 2025

FY22 $16.82BFY23 $18.84BFY24 $26.09BFY25 $29.39B

Total Debt

+18.6% YoY

$6.23BFY 2025

FY22 $3.75BFY23 $4.43BFY24 $5.25BFY25 $6.23B

Op. Cash Flow

+63.6% YoY

$-1.65BFY 2025

FY22 $6.03BFY23 $-1.58BFY24 $-4.53BFY25 $-1.65B

Free Cash Flow

+63.3% YoY

$-1.66BFY 2025

FY22 $6.03BFY23 $-1.58BFY24 $-4.53BFY25 $-1.66B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$2.05B +28.4%	$1.59B +13.7%	$1.40B -29.4%	$1.99B -37.3%	$3.17B -14.5%	$3.71B
Net Income	$501.1M +60.9%	$311.4M +115.3%	$144.7M -69.6%	$475.5M -52.6%	$1.00B -39.1%	$1.65B
EPS (Diluted)	$9.30 +59.2%	$5.84 +113.1%	$2.74 -67.8%	$8.50 -42.8%	$14.87 -28.9%	$20.92
Total Assets	$29.39B +12.7%	$26.09B +38.4%	$18.84B +12.0%	$16.82B -10.4%	$18.78B -40.6%	$31.60B
Total Debt	$6.23B +18.6%	$5.25B +18.6%	$4.43B +18.1%	$3.75B +20.8%	$3.10B	—
Operating Cash Flow	$-1.65B +63.6%	$-4.53B -186.5%	$-1.58B -126.2%	$6.03B +135.4%	$2.56B +141.3%	$-6.20B
Free Cash Flow	$-1.66B +63.3%	$-4.53B -186.4%	$-1.58B -126.3%	$6.03B +135.8%	$2.56B +141.1%	$-6.21B

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13F Pro tracks comprehensive data for PennyMac Financial Services, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PFSI

MFN Partners Management, LP
$394.7M4,531,792 sh
T. Rowe Price Investment Management, Inc.
$341.6M3,921,911 sh
BlackRock, Inc.
$202.7M2,327,613 sh
DIMENSIONAL FUND ADVISORS LP
$185.6M2,130,571 sh
DONALD SMITH & CO., INC.
$163.9M1,882,201 sh
Rubric Capital Management LP
$148.1M1,700,000 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$144.6M1,659,677 sh
VANGUARD CAPITAL MANAGEMENT LLC
$112.7M1,293,868 sh
Invesco Ltd.
$87.7M1,007,153 sh
STATE STREET CORP
$80.3M922,212 sh

Fund	Value	Shares
MFN Partners Management, LP	$394.7M	4,531,792
T. Rowe Price Investment Management, Inc.	$341.6M	3,921,911
BlackRock, Inc.	$202.7M	2,327,613
DIMENSIONAL FUND ADVISORS LP	$185.6M	2,130,571
DONALD SMITH & CO., INC.	$163.9M	1,882,201
Rubric Capital Management LP	$148.1M	1,700,000
VANGUARD PORTFOLIO MANAGEMENT LLC	$144.6M	1,659,677
VANGUARD CAPITAL MANAGEMENT LLC	$112.7M	1,293,868
Invesco Ltd.	$87.7M	1,007,153
STATE STREET CORP	$80.3M	922,212

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Is PFSI a good stock to buy?

13F Pro's AI-powered analysis of PennyMac Financial Services, Inc. (PFSI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PFSI are available on the PFSI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. PFSI is classified as a mid company.

Which hedge funds own PFSI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PFSI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PennyMac Financial Services, Inc.'s investment landscape.