Mr. Cooper [COOP] vs Pennymac Financial [PFSI] Detailed Stock Comparison

Mr. Cooper Group Inc.

NASDAQ
Loading...

Pennymac Financial Services Inc.

NYSE
Loading...

TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Mr. Cooper Group Inc. wins in 9 metrics, Pennymac Financial Services Inc. wins in 12 metrics, with 0 ties. Pennymac Financial Services Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Mr. Cooper Group Inc. Pennymac Financial Services Inc. Better
P/E Ratio (TTM) 23.63 9.75 Pennymac Financial Services Inc.
Price-to-Book Ratio 2.65 1.10 Pennymac Financial Services Inc.
Debt-to-Equity Ratio 238.73 537.23 Mr. Cooper Group Inc.
PEG Ratio -10.67 19.88 Pennymac Financial Services Inc.
EV/EBITDA 12.92 44.12 Mr. Cooper Group Inc.
Profit Margin (TTM) 25.38% 14.47% Mr. Cooper Group Inc.
Operating Margin (TTM) 48.19% 15.24% Mr. Cooper Group Inc.
EBITDA Margin (TTM) 48.19% 15.24% Mr. Cooper Group Inc.
Return on Equity 11.76% 12.31% Pennymac Financial Services Inc.
Return on Assets (TTM) 3.02% 1.81% Mr. Cooper Group Inc.
Free Cash Flow (TTM) $-2.67B $-1.70B Pennymac Financial Services Inc.
Dividend Yield 0.93% 1.30% Pennymac Financial Services Inc.
1-Year Return 130.67% -14.83% Mr. Cooper Group Inc.
Price-to-Sales Ratio (TTM) 6.01 1.37 Pennymac Financial Services Inc.
Enterprise Value $24.84B $27.39B Pennymac Financial Services Inc.
EV/Revenue Ratio 11.06 7.91 Pennymac Financial Services Inc.
Gross Profit Margin (TTM) 50.55% 77.40% Pennymac Financial Services Inc.
Revenue per Share (TTM) $35 $67 Pennymac Financial Services Inc.
Earnings per Share (Diluted) $8.92 $9.30 Pennymac Financial Services Inc.
Beta (Stock Volatility) 1.08 1.52 Mr. Cooper Group Inc.
Short % of Float 6.49% 6.55% Mr. Cooper Group Inc.

Mr. Cooper Group Inc. vs Pennymac Financial Services Inc. Stock Performance Analysis

Loading Price Chart...

COOP
PFSI

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Mr. Cooper Group Inc.0.00%1.58%15.63%37.31%63.29%63.29%
Pennymac Financial Services Inc.0.92%3.58%-3.83%-4.71%-36.84%-37.34%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Mr. Cooper Group Inc.130.67%395.39%771.03%580.85%1,851.76%1,851.76%
Pennymac Financial Services Inc.-14.83%19.42%30.59%511.69%316.63%316.63%

Performance & Financial Health Analysis: Mr. Cooper Group Inc. vs Pennymac Financial Services Inc.

MetricCOOPPFSI
Market Information
Market Cap i$13.49B$4.69B
Market Cap CategoryLarge capMid cap
10 Day Avg. Volume i971,749554,749
90 Day Avg. Volume i837,096575,460
Last Close$210.79$82.41
52 Week Range$84.68 - $234.73$77.67 - $160.36
% from 52W High-10.20%-48.61%
All-Time High$234.73 (Sep 11, 2025)$160.36 (Jan 16, 2026)
% from All-Time High-10.20%-48.61%
Growth Metrics
Quarterly Revenue Growth0.04%5.11%
Quarterly Earnings Growth-0.03%0.02%
Financial Health
Profit Margin (TTM) i0.25%0.14%
Operating Margin (TTM) i0.48%0.15%
Return on Equity (TTM) i0.12%0.12%
Debt to Equity (MRQ) i238.73537.23
Cash & Liquidity
Book Value per Share (MRQ)$79.69$82.77
Cash per Share (MRQ)$12.88$9.38
Operating Cash Flow (TTM) i$-63,000,000$-1,651,984,000
Levered Free Cash Flow (TTM) i$-2,000,499,968$501.08M
Dividends
Last 12-Month Dividend Yield i0.93%1.30%
Last 12-Month Dividend i$2.00$1.20

Valuation & Enterprise Metrics Analysis: Mr. Cooper Group Inc. vs Pennymac Financial Services Inc.

MetricCOOP (Oct 21, 2025)PFSI (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i23.639.75
Forward P/E i15.655.78
PEG Ratio i-10.6719.88
Price to Sales (TTM) i6.011.37
Price to Book (MRQ) i2.651.10
Market Capitalization
Market Capitalization i$13.49B$4.69B
Enterprise Value i$24.84B$27.39B
Enterprise Value Metrics
Enterprise to Revenue i11.067.91
Enterprise to EBITDA i12.9244.12
Risk & Other Metrics
Beta i1.081.52
Book Value per Share (MRQ) i$79.69$82.77

Financial Statements Comparison: Mr. Cooper Group Inc. vs Pennymac Financial Services Inc.

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCOOP (2024)PFSI (2025)
Revenue/Sales i3.02B4.42B
Cost of Goods Sold i1.47B1.80B
COGS % of Revenue i48.8%40.7%
Gross Profit i1.54B2.62B
Gross Margin i51.2%59.3%
Research & Development iN/AN/A
Operating Income (EBIT) i920.00M551.42M
Operating Margin i30.5%12.5%
EBITDA i964.00M620.77M
EBITDA Margin i32.0%14.0%
Pre-Tax Income i901.00M551.42M
Pre-Tax Income % of Revenue i29.9%12.5%
Income Tax i232.00M50.34M
Income Tax % of Revenue i7.7%1.1%
Net Income (Profit) i669.00M501.08M
Profit Margin i22.2%11.3%

Balance Sheet & Liquidity Metrics

MetricCOOP (2024)PFSI (2025)
Cash & Equivalents i753.00M301.68M
Total Current Assets i4.53B18.44B
Total Current Assets % of Revenue i150.2%417.3%
Total Current Liabilities i8.82B10.76B
Total Current Liabilities % of Revenue i292.4%243.5%
Long-Term Debt i4.89B14.27B
Long-Term Debt % of Revenue i162.2%322.7%
Total Shareholders Equity i4.81B4.31B
Retained Earnings i4.97B4.21B
Retained Earnings % of Revenue i164.9%95.3%
Property, Plant & Equipment i061.76M

Cash Flow Statement Comparison

MetricCOOP (2024)PFSI (2025)
Operating Cash Flow i47.00M-1.46B
Operating Cash Flow % of Revenue i1.6%-32.9%
Capital Expenditures i-38.00M-11.92M
Free Cash Flow i-2.67B-1.70B
FCF Margin i-88.5%-38.5%
Debt Repayment i-66.00M-27.52B
Common Stock Repurchase i-147.00M-4.74M

Short Interest & Institutional Ownership Analysis

MetricCOOPPFSI
Shares Short i2.92M1.92M
Short Ratio i3.882.81
Short % of Float i6.49%6.55%
Shares Outstanding i64.00M52.06M
Float Shares i63.03M27.61M
% Held by Insiders i1.94%34.96%
% Held by Institutions i96.11%66.24%
% Held by Public i1.95%-1.20%

Dividend Analysis & Yield Comparison: Mr. Cooper Group Inc. vs Pennymac Financial Services Inc.

MetricCOOPPFSI
Last 12-Month Dividend i$2.00$1.20
Last 12-Month Dividend Yield i0.93%1.30%
3-Year Avg Annual Dividend i$0.67$1.03
3-Year Avg Dividend Yield i0.93%0.28%
3-Year Total Dividends i$2.00$3.10
Ex-Dividend DateSep 29, 2025Feb 13, 2026