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: $1.72B
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
Smaller company, higher risk/reward
ROE of 4.2% — below average capital efficiency
5.7% margin — thin
Elevated debt levels
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 Market Cap, Return on Equity, Profit Margin. 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 1.51 — 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.
Compare with Other MORTGAGE FINANCE Stocks
Want to dig deeper into these stocks?