Profitability
Weight: 25%
A+
95
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.7%
- Operating Margin Trend +1.98 pp/yr
PFSI
PennyMac Financial Services, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
⚠ Negative tangible book value combined with negative free cash flow — balance sheet is impaired and operating cash generation cannot rebuild it.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 20%
A-
80
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 11.3%
- 5yr Share-Count CAGR -5.5%
Growth Quality
Weight: 10%
B-
65
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 18.7%
- 5yr EPS CAGR -11.1%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
F
0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI -2.61x
Balance Sheet
Weight: 30%
B
72
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 14.7%
- Interest Coverage (EBIT/Int) 1.57x
Stability
Weight: 10%
F
20
- EPS Volatility (σ/μ) 0.89
- Piotroski F-Score 4
- Negative-Revenue Years (5) 4/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 added; 1 full exit.
- Holders
- 2
- Avg Δ position
- +41.8%
- New buys
- 1
- Full exits
- 1