PennyMac Financial Services, Inc. (PFSI) Price Target Analysis
Updated Jul 2, 2026
Analyst Rating: Buy
Based on 20 analysts31.9% Below Target
PFSI trades 31.9% below Wall Street's consensus target of $107.00.
Current Price$81.11
Average Target$107.00
Target
Current
Low$105.00
Median$106.50
High$110.00
Analyst Target Range
Forward P/E7.9x
(Value)
PEG Ratio—
Implied Growth+8.7%
(Low)
Analyst Spread4.7%
(High Agreement)
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Consensus Scenario Assumptions
The base valuation assumes PFSI achieves its forward estimates and maintains a stable P/E multiple of 7.9x. This scenario reflects the blended consensus of 20 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
PFSI Price Target Analysis
Updated July 8, 2026As of July 8, 2026, PennyMac Financial Services, Inc. (PFSI) has a Wall Street consensus price target of $107.00, based on estimates from 20 covering analysts. With the stock currently trading at $81.11, this represents a potential upside of +31.9%. The company has a market capitalization of $4.23B.
Analyst price targets range from a low of $105.00 to a high of $110.00, representing a 5% spread in expectations. The median target of $106.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 14 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 1 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, PFSI trades at a trailing P/E of 8.7x and forward P/E of 7.9x. Analysts expect EPS to grow +8.7% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $108.08, with bear and bull scenarios of $68.09 and $142.40 respectively. Model confidence stands at 44/100, suggesting limited visibility into future performance.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside
+36.8%
Industry Consensus
Avg Forward P/E
9.1x
(Value)
Peers with Coverage
10 / 10
Active Analyst Tracking
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 RKTRocket Companies, Inc. | $41.3B | $14.63 | $20.50 | +40.1% | Hold | 20.0x | 25 |
 UWMCUWM Holdings Corporation | $320M | $2.06 | $5.19 | +151.9% | Hold | 5.4x | 13 |
 GHLDGuild Holdings Company | $439M | $20.01 | $17.63 | -11.9% | Hold | 10.2x | 6 |
 LDIloanDepot, Inc. | $389M | $1.16 | $2.40 | +106.9% | Hold | — | 12 |
 PMTPennyMac Mortgage Investment Trust | $922M | $10.60 | $11.75 | +10.8% | Hold | 8.8x | 26 |
 TWOTwo Harbors Investment Corp. | $1.3B | $12.08 | $13.50 | +11.8% | Hold | 10.6x | 22 |
 NLYAnnaly Capital Management, Inc. | $16.6B | $22.69 | $24.33 | +7.2% | Buy | 7.6x | 28 |
 AGNCAGNC Investment Corp. | $12.8B | $11.12 | $11.25 | +1.2% | Hold | 7.1x | 35 |
 RITMRithm Capital Corp. | $5.1B | $9.22 | $13.50 | +46.4% | Buy | 4.1x | 19 |
 OCSLOaktree Specialty Lending Corporation | $1.1B | $12.03 | $12.50 | +3.9% | Hold | 8.0x | 12 |
PFSI — Frequently Asked Questions
Quick answers to the most common questions about buying PFSI stock.
What is the PFSI stock price target for 2026?
The consensus Wall Street price target for PFSI is $107, representing 31.9% upside from the current price of $81.11. With 20 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
Is PFSI a buy, sell, or hold?
PFSI has a consensus rating of "Buy" based on 20 Wall Street analysts. The rating breakdown is predominantly bullish, with 14 Buy/Strong Buy ratings. The consensus 12-month price target of $107 implies 31.9% upside from current levels.
Is PFSI stock overvalued or undervalued?
With a forward P/E of 7.9242x, PFSI trades at a relatively low valuation. The consensus target of $107 implies 31.9% appreciation, suggesting meaningful undervaluation.
How high can PFSI stock go?
The most bullish Wall Street analyst has a price target of $110 for PFSI, while the most conservative target is $105. The consensus of $107 represents the median expectation. Our quantitative valuation model projects a bull case target of $142 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
How many analysts cover PFSI stock?
PFSI is well covered by analysts, with 20 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 14 have Buy ratings, 5 recommend Hold, and 1 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
What is the PFSI stock forecast?
The 12-month PFSI stock forecast based on 20 Wall Street analysts shows a consensus price target of $107, with estimates ranging from $105 (bear case) to $110 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $108, with bear/bull scenarios of $68/$142.
What is PFSI's fair value based on fundamentals?
Our quantitative valuation model calculates PFSI's fair value at $108 (base case), with a bear case of $68 and bull case of $142. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 44/100.
What is PFSI's forward P/E ratio?
PFSI trades at a forward P/E ratio of 7.9x based on next-twelve-months earnings estimates compared to a trailing P/E of 8.7x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Should I buy PFSI stock?
Wall Street analysts are very optimistic on PFSI, with a "Buy" consensus rating and $107 price target (31.9% upside). 14 of 20 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
Why do PFSI price targets vary so much?
PFSI analyst price targets range from $105 to $110, a 5% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $107 consensus represents the middle ground. Our model's $68-$142 range provides an independent fundamental perspective.
Consensus-Based Analysis Tools
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