Market Price

58.27 

1.30 2.3%

as of Oct 23 '20

52 Week Range:

13.14 67.77


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. It operates through three segments: Loan Production, Loan Servicing, and Investment Management. The Loan Production segment is involved in the origination, acquisition, and sale of mortgage loans. This segment originates first-lien residential conventional, government-insured or guaranteed mortgage loans, and home equity loans. The Loan Servicing segment engages in the servicing of newly originated mortgage loans, and execution and management of early buyout transactions and servicing of loans. It performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; response to customer inquiries; accounting for principal and interest; holding custodial funds for the payment of property taxes and insurance premiums; counseling delinquent borrowers; and supervising foreclosures and property dispositions. This segment also services conventional and government-insured or guaranteed mortgage loans, and home equity loans; and distressed mortgage loans that have been acquired as investments by its advised entities. The Investment Management segment is involved in sourcing, performing diligence, bidding, and closing investment asset acquisitions; managing correspondent production activities for PennyMac Mortgage Investment Trust; and managing acquired assets. PennyMac Financial Services, Inc. was founded in 2008 and is headquartered in Westlake Village, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 124,956.94
27,174.34
25,462.06
6.94
9.44
11.60
14.31
16.97
6.98
24.35
growth rate -78.3% -6.3% -100.0% 36.0% 22.9% 23.4% 18.6% -58.9% 248.9%
Earnings BIT 33.04
14.70
118.32
182.13
260.29
347.73
489.29
480.43
growth rate -55.5% 704.9% 53.9% 42.9% 33.6% 40.7% -1.8%
Avg.PE 92.59
10.33
5.51
6.00
6.05
4.51
13.15
growth rate -88.8% -46.7% 8.9% 0.8% -25.5% 191.6%
ROA 25.70
5.08
1.59
1.19
1.80
1.57
1.53
1.61
1.18
4.44
growth rate -80.2% -68.7% -25.2% 51.3% -12.8% -2.6% 5.2% -26.7% 276.3%
ROE 36.70
53.37
9.27
8.67
19.32
19.48
21.38
24.67
8.26
21.15
growth rate 45.4% -82.6% -6.5% 122.8% 0.8% 9.8% 15.4% -66.5% 156.1%
ROIC 11.87
3.82
2.21
3.65
3.07
2.83
2.79
1.81
5.81
growth rate -67.8% -42.2% 65.2% -15.9% -7.8% -1.4% -35.1% 221.0%
Cur. Ratio 3.54
5.63
2.51
3.21
2.33
4.12
6.32
3.40
5.68
growth rate 59.0% -55.4% 27.9% -27.4% 76.8% 53.4% -46.2% 67.1%
Quick Ratio 1.31
1.11
0.68
0.39
0.51
0.59
0.42
0.33
0.32
growth rate -15.3% -38.7% -42.7% 30.8% 15.7% -28.8% -21.4% -3.0%
Leverage 10.50
5.06
9.47
11.72
12.94
14.78
15.70
4.52
4.95
growth rate -51.8% 87.2% 23.8% 10.4% 14.2% 6.2% -71.2% 9.5%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 0.00
0.00
68.09
82.69
166.00
401.79
470.56
1,243.98
1,127.12
1,090.88
growth rate 21.5% 100.7% 142.0% 17.1% 164.4% -9.4% -3.2%
Acct.Payable 36.28
46.39
62.72
89.92
134.61
106.72
156.21
175.27
growth rate 27.9% 35.2% 43.4% 49.7% -20.7% 46.4% 12.2%
Cur.Assets 1,658.73
1,965.09
3,327.20
4,925.68
4,358.19
6,799.58
growth rate 18.5% 69.3% 48.0% -11.5% 56.0%
Total Assets 128.40
289.30
832.16
1,584.48
2,506.69
3,505.29
5,133.90
7,368.09
7,478.57
10,204.02
growth rate 125.3% 187.7% 90.4% 58.2% 39.8% 46.5% 43.5% 1.5% 36.4%
Cash 5.93
16.50
12.32
30.64
76.26
11.72
7.58
16.96
47.12
135.69
growth rate 178.3% -25.3% 148.6% 148.9% -84.6% -35.3% 123.8% 177.8% 188.0%
Cur.Liabilities 0.00
0.00
0.00
1,254.44
1,727.81
2,970.87
4,229.94
3,728.44
5,893.73
growth rate 37.7% 71.9% 42.4% -11.9% 58.1%
Liabilities 38.43
165.40
570.41
1,417.07
1,699.42
2,442.94
3,734.55
5,648.42
5,824.78
8,142.51
growth rate 330.4% 244.9% 148.4% 19.9% 43.8% 52.9% 51.3% 3.1% 39.8%
LT Debt 0.00
2,011.00
53.01
52.15
191.17
412.43
439.61
1,128.04
1,508.40
1,472.66
growth rate -97.4% -1.6% 266.5% 115.7% 6.6% 156.6% 33.7% -2.4%
Equity 89.97
123.90
261.80
167.40
213.96
270.83
347.32
469.41
1,653.79
2,061.51
growth rate 37.7% 111.3% -36.1% 27.8% 26.6% 28.3% 35.2% 252.3% 24.7%
Common Shares 11.00
11.00
11.00
76.00
76.00
76.00
77.00
25.00
35.00
80.00
growth rate 0.0% 0.0% 590.9% 0.0% 0.0% 1.3% -67.5% 40.0% 128.6%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 0.70
1.90
3.37
6.62
4.61
9.12
21.85
6.79
13.42
6.12
growth rate 171.4% 77.4% 96.3% -30.3% 97.8% 139.6% -68.9% 97.6% -54.4%
Cash Dividends 2.03
0.65
15.85
23.43
28.19
10.05
10.05
10.05
10.05
9.71
growth rate -68.0% 2,338.0% 47.9% 20.3% -64.3% 0.0% 0.0% 0.0% -3.4%
Cash From OA -578.95
53.14
-938.33
-883.41
572.40
-2,245.12
growth rate 100.0% -100.0% 0.0% 100.0% -100.0%
FCF per Share -6.00
-13.64
-10.68
-18.02
1.79
10.77
-29.36
growth rate 0.0% 0.0% 0.0% 100.0% 501.7% -100.0%
Sale Purchase of Stock 15.05
212.77
0.15
0.15
0.15
1.25
growth rate 1,313.6% -99.9% 0.0% 0.0% 741.6%
FCF -25.00
-78.00
-312.00
-301.00
-719.00
-342.00
-969.00
-1,086.00
314.00
-2,508.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -100.0%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 68.40
74.80
265.09
386.56
559.78
867.93
1,231.69
1,195.67
1,228.80
2,060.33
growth rate 9.4% 254.4% 45.8% 44.8% 55.1% 41.9% -2.9% 2.8% 67.7%
Op.Income 33.00
14.70
118.32
14.40
228.21
318.33
443.02
302.97
266.57
529.07
growth rate -55.5% 704.9% -87.8% 1,484.8% 39.5% 39.2% -31.6% -12.0% 98.5%
IBT 33.04
14.70
118.32
182.13
223.03
279.19
383.08
335.91
267.70
529.44
growth rate -55.5% 704.9% 53.9% 22.5% 25.2% 37.2% -12.3% -20.3% 97.8%
Net Income 33.00
14.70
118.32
14.40
36.84
47.23
66.08
100.76
87.69
392.97
growth rate -55.5% 704.9% -87.8% 155.9% 28.2% 39.9% 52.5% -13.0% 348.1%
EPS 0.02
1.32
10.65
0.82
1.73
2.17
2.94
4.03
2.59
4.89
growth rate 6,500.0% 706.8% -92.3% 111.0% 25.4% 35.5% 37.1% -35.7% 88.8%
Gross Profit 25.83
41.24
265.09
386.56
501.80
782.45
1,123.31
1,057.54
1,064.30
1,778.29
growth rate 59.7% 542.8% 45.8% 29.8% 55.9% 43.6% -5.9% 0.6% 67.1%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable 1,033.69
928.12
1,090.88
1,020.45
growth rate -10.2% 17.5% -6.5%
Acct.Payable 151.50
215.38
175.27
198.90
216.40
growth rate 42.2% -18.6% 13.5% 8.8%
Cur.Assets 5,342.66
6,274.19
6,799.58
8,295.39
growth rate 17.4% 8.4% 22.0%
Total Assets 8,398.38
9,303.20
10,204.02
10,891.13
23,226.48
growth rate 10.8% 9.7% 6.7% 113.3%
Cash 47.11
99.50
135.69
105.47
growth rate 111.2% 36.4% -22.3%
Inventory
growth rate
Cur.Liabilities 4,886.49
5,673.36
5,893.73
6,838.31
growth rate 16.1% 3.9% 16.0%
Liabilities 6,619.38
7,391.59
8,142.51
8,527.00
20,747.28
growth rate 11.7% 10.2% 4.7% 143.3%
LT Debt 1,487.34
1,476.77
1,472.66
1,451.62
growth rate -0.7% -0.3% -1.4%
Equity 1,779.00
1,911.61
2,061.51
2,364.13
2,479.19
growth rate 7.5% 7.8% 14.7% 4.9%
Common Shares 0.01
0.01
0.01
0.01
growth rate 0.0% 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 2.28
1.13
0.59
0.99
growth rate -50.5% -47.7% 68.5%
Cash Dividends 9.71
9.71
9.71
9.73
growth rate 0.0% 0.0% 0.3%
Cash From OA -747.70
-808.20
-554.98
-730.28
growth rate 0.0% 0.0% 0.0%
Sale Purchase of Stock
growth rate
FCF -749.98
-809.33
-555.57
-731.28
growth rate 0.0% 0.0% 0.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 461.43
594.88
637.78
706.65
growth rate 28.9% 7.2% 10.8%
Op.Income 99.59
166.20
202.99
414.73
480.36
growth rate 66.9% 22.1% 104.3% 15.8%
IBT 99.59
166.20
203.37
414.73
480.36
growth rate 66.9% 22.4% 103.9% 15.8%
Net Income 72.70
121.47
152.66
306.24
352.68
growth rate 67.1% 25.7% 100.6% 15.2%
EPS
growth rate
Gross Profit 409.35
512.12
535.38
618.48
growth rate 25.1% 4.5% 15.5%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (49.81)

YOY Growth Grade:

D (44.77)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 4.94 5.08 5.27
EPS / Growth 13.9% 11.47 20.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 50.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 13.9% 28.2% 30.4%
Future PE 4.94 5.16 23.66
Future EPS 42.16 137.68 162.84
Value Price
MOS %
51.48
-11.7%
175.68
201.5%
952.24
1,534.2%
MOS Price 25.74 87.84 476.12
IRT 3.69 3.02 2.94

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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