PFSI
PennyMac Financial Services, Inc. Financial Services - Mortgage Banking Investor Relations →
PennyMac Financial Services, Inc. (PFSI) closed at $84.45 as of 2026-03-20, trading 0.1% above its 200-week moving average of $84.40. The stock moved further from the line this week, up from -0.1% last week. With a 14-week RSI of 30, PFSI is in oversold territory.
Over the past 14 weeks, down-weeks have had more trading volume than up-weeks (0.62 buyers-vs-sellers ratio). That means when people are active, they're more often selling than buying. Sellers are still more in control than buyers.
Over the past 623 weeks of data, PFSI has crossed below its 200-week moving average 13 times. On average, these episodes lasted 9 weeks. Historically, investors who bought PFSI at the start of these episodes saw an average one-year return of +40.6%.
With a market cap of $4.4 billion, PFSI is a mid-cap stock. Return on equity stands at 12.3%. The stock trades at 1.0x book value.
Share count has increased 4.1% over three years, indicating dilution.
Over the past 12 years, a hypothetical investment of $100 in PFSI would have grown to $593, compared to $422 for the S&P 500. That represents an annualized return of 16.0% vs 12.8% for the index — confirming PFSI as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -100% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: PFSI vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After PFSI Crosses Below the Line?
Across 12 historical episodes, buying PFSI when it crossed below its 200-week moving average produced an average return of +40.2% after 12 months (median +20.0%), compared to +18.8% for the S&P 500 over the same periods. 75% of those episodes were profitable after one year. After 24 months, the average return was +48.8% vs +32.2% for the index.
Each line shows $100 invested at the moment PFSI crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
PFSI has crossed below its 200-week MA 13 times with an average 1-year return of +40.6% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Apr 2014 | Dec 2014 | 35 | 16.4% | +6.3% | +468.8% |
| Dec 2014 | Jan 2015 | 1 | 0.1% | -10.3% | +445.2% |
| Mar 2015 | Apr 2015 | 2 | 3.6% | -33.2% | +462.6% |
| Aug 2015 | Sep 2016 | 55 | 34.8% | -4.0% | +448.1% |
| Oct 2016 | Oct 2016 | 3 | 1.1% | +10.8% | +474.7% |
| Dec 2016 | Dec 2016 | 1 | 0.2% | +32.3% | +469.1% |
| Jan 2017 | Jan 2017 | 2 | 2.0% | +45.3% | +479.7% |
| Mar 2017 | Apr 2017 | 3 | 2.0% | +40.4% | +479.7% |
| May 2017 | May 2017 | 1 | 1.5% | +22.1% | +481.6% |
| Mar 2020 | Apr 2020 | 3 | 18.4% | +251.8% | +407.4% |
| Jun 2022 | Jun 2022 | 1 | 2.9% | +68.6% | +114.7% |
| Sep 2022 | Oct 2022 | 3 | 3.7% | +57.3% | +105.1% |
| Mar 2026 | Ongoing | 2+ | 0.1% | Ongoing | +0.4% |
| Average | 9 | — | +40.6% | — |
Frequently Asked Questions
Is PFSI below its 200-week moving average?
No. PennyMac Financial Services, Inc. (PFSI) is currently 0.1% above its 200-week moving average of $84.40. It would need to fall to $84.40 to cross below the line.
What is PFSI's 200-week moving average price?
PennyMac Financial Services, Inc.'s 200-week moving average is $84.40 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when PFSI drops below its 200-week moving average?
PFSI has crossed below its 200-week moving average 13 times in our data. On average, buying at that moment produced a one-year return of +40.6%. These dips have historically been decent entry points. These episodes lasted 9 weeks on average.
Is PFSI a good value right now?
Here's what our data says about PFSI as of 2026-03-20: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 30 (oversold). Return on equity is 12.3%. Price-to-book is 1.0x. This is not a buy or sell recommendation — always do your own research.
How does PFSI compare to the S&P 500?
Over the past 12 years, $100 invested in PFSI would have grown to $593, compared to $422 for the S&P 500. That's 16.0% annualized vs 12.8% for the index. PFSI has outperformed the broader market over this period.
Does PFSI pay a dividend?
Yes. PennyMac Financial Services, Inc. currently pays a dividend yield of 142.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20