PFSI (PFSI) Stock Analysis
Verdict: HOLD
A chronic earnings miss streak and negative cash flow outweigh deep value; wait for a liquidity floor before entry.
Investment score: 44/100
PFSI is currently a falling knife after missing Q2 estimates by 41%. Despite a cheap valuation relative to book value, deteriorating cash flows and downgrades from Piper Sandler and Barclays suggest further downward pressure until rates stabilize.
Peers
| Peer | P/E | P/B | P/S | EV/EBITDA | ROIC % | Net margin % |
|---|---|---|---|---|---|---|
| FNMA | 3.70 | 0.30 | 0.04 | -0.04 | — | 0.11 |
| ACT | 10.11 | 1.24 | 5.28 | 7.40 | — | 0.55 |
| MTG | 9.33 | 1.25 | 5.30 | 7.33 | — | 0.59 |
| RDN | 9.34 | 1.10 | 3.67 | 7.32 | — | 0.40 |
| FMCC | -6233.33 | 0.23 | 0.04 | 0.18 | — | 0.13 |