PennyMac Finl Svcs Inc (PFSI)vsRocket Companies Inc (RKT)
PFSI
PennyMac Finl Svcs Inc
$86.43
+2.53%
FINANCIAL SERVICES · Cap: $4.51B
RKT
Rocket Companies Inc
$14.29
+0.85%
FINANCIAL SERVICES · Cap: $39.96B
Smart Verdict
WallStSmart Research — data-driven comparison
Rocket Companies Inc generates 104% more annual revenue ($7.07B vs $3.46B). PFSI leads profitability with a 14.5% profit margin vs -1.0%. RKT appears more attractively valued with a PEG of 0.45. PFSI earns a higher WallStSmart Score of 62/100 (C+).
PFSI
Buy62
out of 100
Grade: C+
RKT
Buy55
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-25.3%
Fair Value
$72.17
Current Price
$86.43
$14.26 premium
Intrinsic value data unavailable for RKT.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Revenue surging 52.6% year-over-year
Reasonable price relative to book value
Areas to Watch
0.6% earnings growth
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Weak financial health signals
ROE of -1.5% — below average capital efficiency
Earnings declined 89.5%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book.
Bull Case : RKT
The strongest argument for RKT centers on PEG Ratio, Revenue Growth, Price/Book. Revenue growth of 52.6% demonstrates continued momentum. PEG of 0.45 suggests the stock is reasonably priced for its growth.
Bear Case : PFSI
The primary concerns for PFSI are EPS Growth, Piotroski F-Score, PEG Ratio. Debt-to-equity of 5.35 is elevated, increasing financial risk.
Bear Case : RKT
The primary concerns for RKT are Piotroski F-Score, Return on Equity, EPS Growth. Debt-to-equity of 2.51 is elevated, increasing financial risk.
Key Dynamics to Monitor
PFSI profiles as a value stock while RKT is a hypergrowth play — different risk/reward profiles.
RKT carries more volatility with a beta of 2.31 — expect wider price swings.
RKT is growing revenue faster at 52.6% — sustainability is the question.
RKT generates stronger free cash flow (-1.3B), providing more financial flexibility.
Bottom Line
PFSI scores higher overall (62/100 vs 55/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
PennyMac Finl Svcs Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
PennyMac Financial Services, Inc. is engaged in investment management and mortgage banking activities in the United States. The company is headquartered in Westlake Village, California.
Visit Website →Rocket Companies Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Rocket Companies, Inc. is engaged in the technology-driven real estate, mortgage and e-commerce businesses in the United States and Canada. The company is headquartered in Detroit, Michigan.
Visit Website →Compare with Other MORTGAGE FINANCE Stocks
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