COMP <GO>
PFSI vs SLM // FORWARD P/E MULTIPLE
PennyMac Financial Services Inc. (NYSE) VS. SLM Corporation (NASDAQ) • 15-METRIC TALLY: PFSI 3
— SLM 4
▲ FORWARD P/E MULTIPLE LEADER: SLM
LAST: $65.32 (+3.81%) • MKT CAP: $3.27B
forward-pe
6.2x
LAST: $17.88 (+0.45%) • MKT CAP: $3.25B
forward-pe
4.2x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PFSI VS. SLM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PFSI | SLM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.60% | 7.40% | +4.20 | PFSI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 11.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | -13.21% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | 75.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | -25.20% | 23.10% | -48.30 | SLM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.87% | 3.23% | -1.36 | SLM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 2/9 | 5/9 | -3.00 | SLM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.7 | 27.3 | +21.40 | PFSI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | 6.2x | 4.2x | +2.00 | SLM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.27B | $3.25B | $14.6M | PFSI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PFSI REV | SLM REV | PFSI GROSS % | SLM GROSS % | PFSI FCF | SLM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $20.1M | $2.46B | — | — | -$1.66B | -$398.6M |
| FY 2024 | $26.9M | $2.01B | — | — | -$4.53B | -$329.4M |
| FY 2023 | $13.4M | $1.92B | — | — | -$1.58B | -$144.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PFSI // BETA —
SLM // BETA 1.06