PennyMac Finl Svcs Inc (PFSI)vsWalker & Dunlop Inc (WD)
PFSI
PennyMac Finl Svcs Inc
$70.36
+0.79%
FINANCIAL SERVICES · Cap: $3.74B
WD
Walker & Dunlop Inc
$40.53
+0.50%
FINANCIAL SERVICES · Cap: $1.42B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Finl Svcs Inc generates 178% more annual revenue ($3.33B vs $1.20B). PFSI leads profitability with a 11.8% profit margin vs 3.3%. WD appears more attractively valued with a PEG of 1.09. PFSI earns a higher WallStSmart Score of 48/100 (D+).
PFSI
Hold48
out of 100
Grade: D+
WD
Hold46
out of 100
Grade: D+
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
Reasonable price relative to book value
Areas to Watch
1.8% revenue growth
Operating margin of 4.5%
Expensive relative to growth rate
Earnings declined 83.9%
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
ROE of 4.2% — below average capital efficiency
3.3% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull Case : PFSI
The strongest argument for PFSI centers on P/E Ratio, Price/Book, Free Cash Flow.
Bull Case : WD
The strongest argument for WD centers on Price/Book. PEG of 1.09 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 : WD
The primary concerns for WD are P/E Ratio, Market Cap, Return on Equity. Thin 3.3% margins leave little buffer for downturns.
Key Dynamics to Monitor
WD carries more volatility with a beta of 1.44 — expect wider price swings.
PFSI is growing revenue faster at 1.8% — sustainability is the question.
PFSI generates stronger free cash flow (2.0B), providing more financial flexibility.
Monitor MORTGAGE FINANCE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PFSI scores higher overall (48/100 vs 46/100). Both earn "Hold" 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 →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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