PennyMac Finl Svcs Inc (PFSI)vsWalker & Dunlop Inc (WD)
PFSI
PennyMac Finl Svcs Inc
$81.24
-0.36%
FINANCIAL SERVICES · Cap: $4.24B
WD
Walker & Dunlop Inc
$51.25
-0.85%
FINANCIAL SERVICES · Cap: $1.83B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Finl Svcs Inc generates 170% more annual revenue ($3.32B vs $1.23B). PFSI leads profitability with a 15.3% profit margin vs 5.7%. WD appears more attractively valued with a PEG of 1.09. WD earns a higher WallStSmart Score of 66/100 (B-).
PFSI
Buy57
out of 100
Grade: C
WD
Strong Buy66
out of 100
Grade: B-
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
Revenue surging 32.0% year-over-year
Earnings expanding 471.1% YoY
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Revenue declined 16.6%
Negative free cash flow — burning cash
Moderate valuation
Smaller company, higher risk/reward
ROE of 4.2% — below average capital efficiency
5.7% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book. Profitability is solid with margins at 15.3% and operating margin at 14.6%.
Bull Case : WD
The strongest argument for WD centers on Price/Book, Revenue Growth, EPS Growth. Revenue growth of 32.0% demonstrates continued momentum. PEG of 1.09 suggests the stock is reasonably priced for its growth.
Bear Case : PFSI
The primary concerns for PFSI are Piotroski F-Score, PEG Ratio, Revenue Growth. Debt-to-equity of 3.98 is elevated, increasing financial risk.
Bear Case : WD
The primary concerns for WD are P/E Ratio, Market Cap, Return on Equity. Debt-to-equity of 1.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
PFSI profiles as a declining stock while WD is a hypergrowth play — different risk/reward profiles.
WD carries more volatility with a beta of 1.49 — expect wider price swings.
WD is growing revenue faster at 32.0% — sustainability is the question.
WD generates stronger free cash flow (-1.1B), providing more financial flexibility.
Bottom Line
WD scores higher overall (66/100 vs 57/100) and 32.0% revenue growth. Both earn "Strong 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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