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PennyMac Financial Services, Inc.
PFSIFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $4.36B | 11.5% | $501.84M | -$1.41B | N/A |
| 2027 | $4.66B | 11.5% | $535.96M | -$1.51B | -$1.37B |
| 2028 | $4.98B | 11.5% | $572.41M | -$1.61B | -$1.33B |
| 2029 | $5.32B | 11.5% | $611.33M | -$1.72B | -$1.29B |
| 2030 | $5.68B | 11.5% | $652.91M | -$1.84B | -$1.26B |
| 2031 | $6.06B | 11.5% | $697.30M | -$1.96B | -$1.22B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $9.30 | 2025-12-31 |
| EPS growth | +58.6% | Forecast years: 5 |
| Future EPS | $93.325 | EPS × (1 + G)^5 |
| Base P/E | 13.6 | P/E |
| Future price | $1,269.22 | Future EPS × P/E |
| Fair value today | $788.09 | PV @ 10.0% |
| 30% safety price | $551.66 | Margin of safety |
| 50% safety price | $394.04 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$551.292 | -$585.30 | -$631.675 |
| 10.0% | -$516.861 | -$541.935 | -$574.723 |
| 11.0% | -$489.707 | -$508.798 | -$532.98 |