PennyMac Finl Svcs Inc (PFSI)vsWalker & Dunlop Inc (WD)
PFSI
PennyMac Finl Svcs Inc
$86.43
+2.53%
FINANCIAL SERVICES · Cap: $4.51B
WD
Walker & Dunlop Inc
$45.07
+2.48%
FINANCIAL SERVICES · Cap: $1.54B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Finl Svcs Inc generates 198% more annual revenue ($3.46B vs $1.16B). PFSI leads profitability with a 14.5% profit margin vs 4.9%. WD appears more attractively valued with a PEG of 1.25. PFSI earns a higher WallStSmart Score of 62/100 (C+).
PFSI
Buy62
out of 100
Grade: C+
WD
Buy59
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
Margin of Safety
-21.1%
Fair Value
$50.77
Current Price
$45.07
$5.70 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
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
Moderate valuation
0.0% revenue growth
Smaller company, higher risk/reward
ROE of 3.3% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book.
Bull Case : WD
The strongest argument for WD centers on Price/Book. PEG of 1.25 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 : WD
The primary concerns for WD are P/E Ratio, Revenue Growth, Market Cap. Thin 4.9% margins leave little buffer for downturns.
Key Dynamics to Monitor
WD carries more volatility with a beta of 1.56 — expect wider price swings.
PFSI is growing revenue faster at 5.1% — sustainability is the question.
WD generates stronger free cash flow (796M), providing more financial flexibility.
Monitor MORTGAGE FINANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PFSI scores higher overall (62/100 vs 59/100). 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 →Walker & Dunlop Inc
FINANCIAL SERVICES · MORTGAGE FINANCE · USA
Walker & Dunlop, Inc. originates, sells and services a variety of commercial and multifamily real estate financing products and services for real estate owners and developers in the United States. The company is headquartered in Bethesda, Maryland.
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