SLM (38) GPGI (22) GBDC (40) PURR (71) ⌘ Pro Terminal →

PennyMac Financial Services Inc. (PFSI) — RQD Stock Rating Cockpit

$64.41 +1.56% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $64.47

PennyMac Financial Services Inc. (PFSI) carries a Roarable Rating of D- (Sell) with 41/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (41/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • RED ALERT Cap $3.35B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PFSI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PFSI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, PennyMac Financial Services Inc. (NYSE: PFSI) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 41/100 at a spot price of $64.41 (+1.56% 1D, market cap $3.35B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, PFSI ranks #917 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PFSI compare to SLM and GPGI in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), PFSI carries a Roarable D- (41/100 RQD), trailing P/E of 6.7x, gross margin of —, and ROIC of 11.6%. By comparison, SLM (SLM Corporation) holds a D- grade (38/100 RQD, P/E 4.5x, ROIC 7.4%, cap $3.34B) and GPGI (GPGI Inc. (Class A)) posts a E grade (22/100 RQD, P/E N/A, ROIC -6.5%, cap $3.36B). Among the 5-stock peer group, SLM leads on earnings multiple (4.5x) while PURR leads on capital efficiency (33.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PFSI?

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Per PFSI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001745916), PennyMac Financial Services Inc. generated $20.1M in revenue (-25.2% YoY), $501.0M in net income, and -$1.66B in free cash flow against $29.39B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $64.47 (+0.09%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (41/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.2% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-7.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PFSI)Realized 20D OHLCV Swing Band: ±7.3%

Deterministic 5-Pillar Attribution (41/100 Composite)

🔍 WHY PFSI SCORES 41/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 2/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+10/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 50% Net Buy • Cannibal Buyback (-0.68% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$58.84+0.6% Next Q

Q2 (-2Q)

Grade E$59.20+6.7% Next Q

Q3 (-1Q)

Grade E$63.14+2% Next Q

Current

Grade D-$64.41-7.2% Hist 90D α

Trajectory: E (33) → D- (41)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a PFSI Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While PFSI currently carries a cautious 41/100 (D-) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($65.75) and Max Pain ($67.63) forces dealer call-delta covering toward $168.38.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PFSI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PFSI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 41%NO 59%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

53.530 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

2 / 99-Pt Accounting

52-WEEK LASER RANGE7% OF RANGE

L: $58$64.41H: $160

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 8 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 16 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 17 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bearish Warning on PFSI

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (40)

11.6% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 2/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (38)

16/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like PFSI

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PFSI)

✓Walkthrough of PFSI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PFSI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -28.35%⚡ TESTING RESISTANCE

2026-11-02O $63.42H $64.41L $63.42C $64.41VOL 451.0K

RES: $64.35SUP: $54.05SMA50: $65.75SMA200: $84.03

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PFSI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PFSI Butterfly Map → + Track PFSI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-8.8%/yr Implied 5Y Growth

vs. -25.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PFSI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PFSI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PFSI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PFSI)

Financials Rank #917 of 1096 ⚔️ SLM vs PFSI Full Matrix →

1. Head-to-Head Financials Peer Comparison (PFSI vs. SLM, GPGI, GBDC, PURR)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, PennyMac Financial Services Inc. (PFSI) ranks #917 by composite RQD confidence (41/100, grade D-) and #340 by equity capitalization ($3.35B). Within this direct 5-issuer industry benchmark cohort, SLM leads on earnings valuation at 4.5x trailing P/E, while PURR leads on capital efficiency and profitability with 33.0% ROIC and — gross margin. PURR currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with PFSI at 41/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PFSI ACTIVE PennyMac Financial Services Inc.	D-	41/100	6.7x	—	11.6%	+1.56%	$3.35B	Benchmark Subject
SLM SLM Corporation	D-	38/100	4.5x	—	7.4%	+2.99%	$3.34B	/slm-vs-pfsi →
GPGI GPGI Inc. (Class A)	E	22/100	—	—	-6.5%	+4.13%	$3.36B	/gpgi-vs-pfsi →
GBDC Golub Capital BDC Inc.	D-	40/100	8.8x	—	9.6%	+2.65%	$3.32B	/gbdc-vs-pfsi →
PURR Hyperliquid Strategies Inc	B-	71/100	32.8x	—	33.0%	+23.27%	$3.42B	/purr-vs-pfsi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001745916

In its most recent audited fiscal period (FY2025, filed 2025-12-31), PennyMac Financial Services Inc. (PFSI) reported GAAP revenue of $20.1M (-25.2% vs. FY2024 revenue of $26.9M , and +50.0% cumulative change since FY2023) , GAAP net income of $501.0M, operating cash flow of -$1.65B, and free cash flow of -$1.66B (+63.3% YoY). On the balance sheet, PFSI closed FY2025 with $29.39B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 2/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$20.1M	$501.0M	-$1.65B	-$1.66B	$29.39B	—
FY2024 (FY)	2024-12-31	$26.9M	$311.0M	-$4.53B	-$4.53B	$26.09B	—
FY2023 (FY)	2023-12-31	$13.4M	$145.0M	-$1.58B	-$1.58B	—	—

3. PFSI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PFSI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does PFSI compare to SLM and GPGI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for PFSI?

Where is PFSI trading relative to its 50-day, 200-day, and 52-week technical levels?

PFSI last traded at $64.41 (+1.56% on volume of 450,980 shares), positioning the stock -2.04% below its 50-day simple moving average ($65.75) and -23.35% below its 200-day simple moving average ($84.03). Across its 52-week range of $57.52 to $160.36, PFSI sits at the 6.7% percentile with a 14-day RSI of 53.5 (NEUTRAL RANGE) and an implied next-earnings move of ±7.3% ($59.71 to $69.11).

PFSI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PFSI stock right now?

PennyMac Financial Services Inc. (PFSI) currently earns a Roarable Rating of D- (Sell — SELL) with 41/100 RQD Confidence. Stretched risk/reward at 7x P/E (12% return on capital) under elevated 10-year interest-rate pressure.

What is PFSI's 12-month price target and RQD AI Jury consensus?

PFSI's 12-month base price target is $59.48 (range $46.39 to $168.38), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PFSI RQD Cockpit PFSI 12M Forecast PFSI Earnings & Move PFSI Dividends & DRIP PFSI Insiders & 13F PFSI Whale Options PFSI Profit Sankey PFSI News & Why