COMP <GO>
PFSI vs GBDC // OPERATING MARGIN
PennyMac Financial Services Inc. (NYSE) VS. Golub Capital BDC Inc. (NASDAQ) • 15-METRIC TALLY: PFSI 3
— GBDC 2
■ METRIC PARITY
LAST: $64.41 (+1.56%) • MKT CAP: $3.35B
operating-margins
—
LAST: $12.78 (+2.65%) • MKT CAP: $3.32B
operating-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PFSI VS. GBDC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PFSI | GBDC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.60% | 9.60% | +2.00 | PFSI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -3.42% | — | TIE | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | -25.20% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.87% | 11.10% | -9.23 | GBDC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 2/9 | 2/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.5 | 63.5 | -10.00 | GBDC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 8.2x | -2.00 | PFSI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.35B | $3.32B | $27.9M | PFSI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PFSI REV | GBDC REV | PFSI GROSS % | GBDC GROSS % | PFSI FCF | GBDC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $20.1M | $0 | — | — | -$1.66B | -$113.6M |
| FY 2024 | $26.9M | $0 | — | — | -$4.53B | $343.9M |
| FY 2023 | $13.4M | $0 | — | — | -$1.58B | $195.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PFSI // BETA —
GBDC // BETA —