COMP <GO>
PFSI vs CIFR // OPERATING MARGIN
PennyMac Financial Services Inc. (NYSE) VS. Cipher Digital Inc. (NASDAQ) • 15-METRIC TALLY: PFSI 5
— CIFR 3
■ METRIC PARITY
LAST: $65.32 (+3.81%) • MKT CAP: $3.27B
operating-margins
—
LAST: $6.86 (-5.90%) • MKT CAP: $3.32B
operating-margins
-60.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PFSI VS. CIFR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PFSI | CIFR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.60% | -11.50% | +23.10 | PFSI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -18.00% | — | TIE | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | -60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | -60.00% | +128.00 | PFSI | /net-margins <GO> |
| Revenue Growth (YoY) | -25.20% | 48.00% | -73.20 | CIFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.87% | 0.00% | +1.87 | PFSI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 2/9 | 4/9 | -2.00 | CIFR | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.7 | 29.1 | +19.60 | PFSI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.92 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 23.0x | -16.80 | PFSI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.27B | $3.32B | -$53.5M | CIFR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PFSI REV | CIFR REV | PFSI GROSS % | CIFR GROSS % | PFSI FCF | CIFR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $20.1M | $223.9M | — | 63.7% | -$1.66B | -$695.9M |
| FY 2024 | $26.9M | $151.3M | — | 58.8% | -$4.53B | -$227.0M |
| FY 2023 | $13.4M | $126.8M | — | — | -$1.58B | -$99.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PFSI // BETA —
CIFR // BETA 0.92