PennyMac Finl Svcs Inc (PFSI)vsRocket Companies Inc (RKT)
PFSI
PennyMac Finl Svcs Inc
$70.36
+0.79%
FINANCIAL SERVICES · Cap: $3.74B
RKT
Rocket Companies Inc
$13.18
-0.08%
FINANCIAL SERVICES · Cap: $39.36B
Smart Verdict
WallStSmart Research — data-driven comparison
Rocket Companies Inc generates 207% more annual revenue ($10.24B vs $3.33B). PFSI leads profitability with a 11.8% profit margin vs 4.6%. RKT appears more attractively valued with a PEG of 0.53. RKT earns a higher WallStSmart Score of 61/100 (C+).
PFSI
Hold48
out of 100
Grade: D+
RKT
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 2.0B in free cash flow
Revenue surging 91.9% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Strong operational efficiency at 27.1%
Areas to Watch
1.8% revenue growth
Operating margin of 4.5%
Expensive relative to growth rate
Earnings declined 83.9%
ROE of 2.0% — below average capital efficiency
4.6% margin — thin
Elevated debt levels
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book, Free Cash Flow.
Bull Case : RKT
The strongest argument for RKT centers on Revenue Growth, PEG Ratio, Price/Book. Revenue growth of 91.9% demonstrates continued momentum. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : PFSI
The primary concerns for PFSI are Revenue Growth, Operating Margin, PEG Ratio. Debt-to-equity of 5.46 is elevated, increasing financial risk.
Bear Case : RKT
The primary concerns for RKT are Return on Equity, Profit Margin, Debt/Equity. Thin 4.6% margins leave little buffer for downturns.
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 2.21 — expect wider price swings.
RKT is growing revenue faster at 91.9% — sustainability is the question.
PFSI generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
RKT scores higher overall (61/100 vs 48/100) and 91.9% revenue growth. Both earn "Buy" and "Hold" 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
Want to dig deeper into these stocks?