Pennymac Financial Services Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Pennymac Financial Services Inc (PFSI) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Pennymac Financial Services Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 230M vs 329,748M combined for tracked competitors (0.1% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-66.1% annualized vs trailing 12 months), vs accelerating (+6.9%) for its tracked peer group.
- Growth: Pennymac Financial Services Inc generated 184.0% revenue growth year over year in Q2 2026, vs 28.7% for its tracked competitors combined.
- Profitability: Its 111.4% net margin compares with 21.6% for the peer group.
- Scale: Pennymac Financial Services Inc ranks #14 of 30 companies by market capitalization in the Consumer Financial Services industry, holding 0.9% of industry market cap.
- Peer revenue share: Pennymac Financial Services Inc accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.05M compares with $0.66M for the peer group (0.1x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
PFSI Sales vs. its Competitors, Q2 2026
Pennymac Financial Services Inc reported revenue growth of 184.03 % year on year in Q2 2026, above its competitors' combined revenue growth of 28.69 %.
With a net margin of 111.44 %, Pennymac Financial Services Inc achieved higher profitability than its competitors (21.58 %).
Pennymac Financial Services Inc generated 0.02 % of the combined sales of its peer group, up from 0.01 % a year earlier.
Pennymac Financial Services Inc vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Pennymac Financial Services Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Pennymac Financial Services inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (2) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (9) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Pennymac Financial Services Inc's competitor groups requires a Commercial License.
For context: the Consumer Financial Services industry grew revenue 9.0% year over year, combined, vs 184.0% for Pennymac Financial Services Inc. Pennymac Financial Services Inc's share of combined industry revenue moved from 0.02% to 0.05%, a gain of 0.03 percentage points.
Pennymac Financial Services Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Pennymac Financial Services inc | Yes | - | - | No |
| Competitors combined (17) | ||||
| High-Confidence Competitors (3) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
PFSI Stock Performance relative to its Competitors
PFSI Stock Performance relative to High-Confidence Competitors
PFSI Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Northwest Bancshares inc | 282.9% | Outperformed |
| 2 | M and t Bank Corporation | 282.9% | Outperformed |
| 3 | Pnc Financial Services Group Inc | 282.9% | Outperformed |
| 4 | Bank Of America Corporation | 282.9% | Outperformed |
| 5 | Truist Financial Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Pennymac Financial Services Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Pennymac Financial Services Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Pennymac Financial Services inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Pennymac Financial Services inc | 3,389.96 | 229.75 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Capital one financial corp | 122,021.31 | 51,099.00 |
| Pnc Financial Services Group Inc | 90,139.01 | 25,026.00 |
| Truist Financial Corporation | 58,346.39 | 19,028.00 |
| D r Horton Inc | 39,455.86 | 33,349.80 |
| SUBTOTAL | 846,512.34 | 338,290.98 |
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Sources: Pennymac Financial Services inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Pennymac Financial Services inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Pennymac Financial Services Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Mr. Cooper | Named by the company | 85% |
| Freedom Mortgage | Named by the company | 85% |
| United Wholesale Mortgage | Named by the company | 85% |
| Rithm Capital | Named by the company | 85% |
| JP Morgan Chase | Named by the company | 85% |
| Wells Fargo | Named by the company | 85% |
| Rocket Mortgage | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Pennymac Financial Services Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Pennymac Financial Services Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
| Walker and Dunlop Inc | Capital Markets 53.91 % |
| Onity Group Inc | Servicing 81.65 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Pennymac Financial Services Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Pennymac Financial Services inc | 3,390 | 46,888 | 80,078 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Capital one financial corp | 122,021 | 669,712 | 137,615 |
| Pnc Financial Services Group Inc | 90,139 | 452,280 | 138,832 |
| Truist Financial Corporation | 58,346 | 513,078 | 157,472 |
| D r Horton Inc | 39,456 | 2,325,486 | 215,808 |
| PEERS TOTAL | 843,122 | 659,863 | 140,985 |
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Pennymac Financial Services Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 29 companies in Pennymac Financial Services Inc's industry classification, broader than the peer set above. Market cap in millions of $.Pennymac Financial Services Inc ranks #14 of 29 companies by market capitalization in its industry, holding 0.87 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,784, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | S and p Global Inc | 125,674 | 31.66 % |
| 2 | Moody s Corporation | 80,826 | 20.36 % |
| 3 | Paccar Inc | 58,593 | 14.76 % |
| 4 | Rocket Companies Inc | 33,227 | 8.37 % |
| 5 | Affirm Holdings Inc | 1,234 | 5.2% |
| 6 | Equifax Inc | 1,234 | 5.2% |
| 7 | Transunion | 1,234 | 5.2% |
| 8 | Onemain Holdings Inc | 1,234 | 5.2% |
| 9 | Credit Acceptance Corp | 1,234 | 5.2% |
| 10 | Enova International Inc | 1,234 | 5.2% |
| 14 | Pennymac Financial Services inc | 3,453 | 0.87 % |
Market cap and industry share for the rest of Pennymac Financial Services Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Pennymac Financial Services Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 9 | Credit Acceptance Corp | 5,893 | 17.71 % |
| 10 | Enova International Inc | 4,526 | 40.25 % |
| 11 | Nelnet Inc | 4,481 | -1.39 % |
| 12 | Slm Corp | 4,417 | -17.38 % |
| 13 | Bread Financial Holdings Inc | 1,234 | 12.3% |
| 14 | Pennymac Financial Services inc | 3,453 | -47.11 % |
| 15 | Euronet Worldwide Inc | 1,234 | 12.3% |
| 16 | Encore Capital Group Inc | 1,234 | 12.3% |
| 17 | Atlanticus Holdings Corp | 1,234 | 12.3% |
| 18 | Pra Group Inc | 1,234 | 12.3% |
| 19 | World Acceptance Corporation | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Pennymac Financial Services Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Pennymac Financial Services Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Consumer Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (37 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 963.16 % | 63.05 % (avg) | +900.1 pp |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 259.06 % | 30.50 % (avg) | +228.6 pp |
| Capital Intensity (Capex / Revenue) | 29.41 % | 8.55 % (avg) | +20.9 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Pennymac Financial Services Inc's Valuation vs Competitive Position
Valuation multiples vs the Consumer Financial Services industry average (37 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 11.5x | 19.3x | -7.8x |
| EV / EBITDA | 10.7x | 11.7x | -1.0x |
| P/B | 1.0x | 2.7x | -1.6x |
| Return on Equity | 9.14 % | industry aggregate | -7.68 % |
| Return on Invested Capital | - | 4.81 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Pennymac Financial Services Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 2.53 % | 145.23 % | 88.96 % | 2.13 % | -73.09 % | 47.10 % | -119.03 % | - |
| Operating Margin | 57.50 % | 20.92 % | 46.86 % | 27.83 % | 10.17 % | 9.50 % | -397.02 % | - |
| Return on Invested Capital | 8.99 % | 8.37 % | 11.56 % | 7.41 % | 0.64 % | 0.75 % | 1.37 % | - |
| P/E | 5.3x | 6.8x | 2.8x | 4.5x | 6.9x | 30.2x | 17.8x | 14.4x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Pennymac Financial Services Inc's BCG Growth-Share Matrix
Relative market share (vs Pennymac Financial Services Inc's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Pennymac Financial Services Inc falls in the Dog quadrant: relative market share of 0.03x vs its largest competitor, in an industry growing revenue 6.2% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Pennymac Financial Services Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,784 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 29.41 % vs industry average 8.55 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Pennymac Financial Services Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Pennymac Financial Services Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Pennymac Financial Services Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Pennymac Financial Services Inc falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Pennymac Financial Services Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Return on equity 7.7 points below the industry aggregate.
- Latest-quarter revenue run-rate is decelerating (-66.1% annualized vs trailing 12 months).
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.03x).
Opportunities
- A meaningful share of tracked competitors (40.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Pennymac Financial Services Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Pennymac Financial Services inc | 0.03 | 0.77 | 0.61 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
| Pnc Financial Services Group Inc | 0.03 | 0.02 | 1.15 |
| Truist Financial Corporation | 0.09 | 0.16 | 1.08 |
| D r Horton Inc | 0.64 | 6.12 | 0.19 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Pennymac Financial Services Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Pennymac Financial Services inc | Q2 2026 | +184.0 % | -84.1 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| Pnc Financial Services Group Inc | Q2 2026 | +21.4 % | +25.1 % |
| Truist Financial Corporation | Q2 2026 | +8.2 % | +25.2 % |
| D r Horton Inc | Q2 2026 | +0.0 % | -11.1 % |
| PEERS TOTAL | +28.8 % | +94.7 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Pennymac Financial Services Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Pennymac Financial Services inc | Q2 2026 | - | +54.6 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
| Pnc Financial Services Group Inc | Q2 2026 | - | - |
| Truist Financial Corporation | Q2 2026 | -24.2 % | - |
| D r Horton Inc | Q2 2026 | +0.9 % | -8.7 % |
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Pennymac Financial Services Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Pennymac Financial Services inc | 1.35% | 1.67% | 9.14% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
| Pnc Financial Services Group Inc | 1.30% | 3.15% | 12.42% |
| Truist Financial Corporation | 1.06% | 2.65% | 9.01% |
| D r Horton Inc | 8.66% | 9.84% | 12.62% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Pennymac Financial Services Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Pennymac Financial Services inc | 8.73 | 14.75 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Capital one financial corp | 11.69 | 2.39 |
| Pnc Financial Services Group Inc | 12.33 | 3.60 |
| Truist Financial Corporation | 10.83 | 3.07 |
| D r Horton Inc | 13.42 | 1.18 |
| PEERS AVERAGE | 11.66 | 2.50 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.