Pennymac Financial [PFSI] vs Mr. Cooper [COOP] Detailed Stock Comparison
Pennymac Financial
NYSE
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Mr. Cooper
NASDAQ
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Pennymac Financial wins in 7 metrics, Mr. Cooper wins in 13 metrics, with 0 ties. Mr. Cooper appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Pennymac Financial | Mr. Cooper | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 16.85 | 24.01 | Pennymac Financial |
| Price-to-Book Ratio | 1.56 | 2.69 | Pennymac Financial |
| Debt-to-Equity Ratio | 461.08 | 238.73 | Mr. Cooper |
| PEG Ratio | 0.46 | -10.84 | Mr. Cooper |
| EV/EBITDA | 51.96 | 13.05 | Mr. Cooper |
| Profit Margin (TTM) | 10.83% | 25.38% | Mr. Cooper |
| Operating Margin (TTM) | 11.05% | 48.19% | Mr. Cooper |
| EBITDA Margin (TTM) | 11.05% | 48.19% | Mr. Cooper |
| Return on Equity | 10.05% | 11.76% | Mr. Cooper |
| Return on Assets (TTM) | 1.69% | 3.02% | Mr. Cooper |
| Free Cash Flow (TTM) | $-4.56B | $-2.67B | Mr. Cooper |
| Dividend Yield | 0.95% | 0.93% | Pennymac Financial |
| 1-Year Return | 7.72% | 127.87% | Mr. Cooper |
| Price-to-Sales Ratio (TTM) | 1.76 | 6.10 | Pennymac Financial |
| Enterprise Value | $24.71B | $25.07B | Mr. Cooper |
| EV/Revenue Ratio | 6.92 | 11.16 | Pennymac Financial |
| Gross Profit Margin (TTM) | 51.89% | 50.55% | Pennymac Financial |
| Revenue per Share (TTM) | $69 | $35 | Pennymac Financial |
| Earnings per Share (Diluted) | $7.23 | $8.92 | Mr. Cooper |
| Beta (Stock Volatility) | 1.51 | 0.98 | Mr. Cooper |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Pennymac Financial vs Mr. Cooper Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pennymac Financial | -0.59% | -3.57% | 11.91% | 25.67% | 19.59% | 22.79% |
| Mr. Cooper | -2.43% | -5.64% | 7.52% | 38.30% | 92.81% | 120.77% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pennymac Financial | 7.72% | 185.76% | 104.45% | 666.19% | 525.46% | 525.46% |
| Mr. Cooper | 127.87% | 412.40% | 769.01% | 570.28% | 1,821.48% | 1,821.48% |
News Based Sentiment: Pennymac Financial vs Mr. Cooper
Pennymac Financial
News based Sentiment: MIXED
September presented a mixed bag for PennyMac, with an initial earnings miss followed by positive developments like strategic partnerships and analyst upgrades. While the company is actively working to improve its position, insider selling and lowered earnings estimates introduce uncertainty, making it a cautiously optimistic investment.
Mr. Cooper
News based Sentiment: MIXED
September was a pivotal month for Mr. Cooper, marked by continued progress towards the merger with Rocket Companies, strong investor returns, and a significant dividend announcement. However, concerns about insider selling by the CEO and mixed analyst sentiment create a complex investment picture, making it a month of both opportunity and caution.
Performance & Financial Health Analysis: Pennymac Financial vs Mr. Cooper
| Metric | PFSI | COOP |
|---|---|---|
| Market Information | ||
| Market Cap | $6.37B | $13.70B |
| Market Cap Category | Mid cap | Large cap |
| 10 Day Avg. Volume | 484,491 | 866,087 |
| 90 Day Avg. Volume | 449,224 | 817,989 |
| Last Close | $122.59 | $207.52 |
| 52 Week Range | $85.74 - $130.02 | $84.68 - $234.73 |
| % from 52W High | -5.71% | -11.59% |
| All-Time High | $130.02 (Sep 17, 2025) | $234.73 (Sep 11, 2025) |
| % from All-Time High | -5.71% | -11.59% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.36% | 0.04% |
| Quarterly Earnings Growth | 0.39% | -0.03% |
| Financial Health | ||
| Profit Margin (TTM) | 0.11% | 0.25% |
| Operating Margin (TTM) | 0.11% | 0.48% |
| Return on Equity (TTM) | 0.10% | 0.12% |
| Debt to Equity (MRQ) | 461.08 | 238.73 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $78.04 | $79.69 |
| Cash per Share (MRQ) | $6.63 | $12.88 |
| Operating Cash Flow (TTM) | $-1,607,801,984 | $-63,000,000 |
| Levered Free Cash Flow (TTM) | $24.47B | $-2,000,499,968 |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.95% | 0.93% |
| Last 12-Month Dividend | $0.90 | $2.00 |
Valuation & Enterprise Metrics Analysis: Pennymac Financial vs Mr. Cooper
| Metric | PFSI | COOP |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 16.85 | 24.01 |
| Forward P/E | 8.69 | 15.90 |
| PEG Ratio | 0.46 | -10.84 |
| Price to Sales (TTM) | 1.76 | 6.10 |
| Price to Book (MRQ) | 1.56 | 2.69 |
| Market Capitalization | ||
| Market Capitalization | $6.37B | $13.70B |
| Enterprise Value | $24.71B | $25.07B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.92 | 11.16 |
| Enterprise to EBITDA | 51.96 | 13.05 |
| Risk & Other Metrics | ||
| Beta | 1.51 | 0.98 |
| Book Value per Share (MRQ) | $78.04 | $79.69 |
Financial Statements Comparison: Pennymac Financial vs Mr. Cooper
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PFSI | COOP |
|---|---|---|
| Revenue/Sales | $1.07B | $825.00M |
| Cost of Goods Sold | $382.70M | $408.00M |
| Gross Profit | $687.06M | $417.00M |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $104.52M | $278.00M |
| EBITDA | $122.15M | $289.00M |
| Pre-Tax Income | $104.20M | $277.00M |
| Income Tax | $27.92M | $79.00M |
| Net Income (Profit) | $76.28M | $198.00M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PFSI | COOP |
|---|---|---|
| Cash & Equivalents | $211.09M | $784.00M |
| Total Current Assets | $13.62B | $4.61B |
| Total Current Liabilities | $8.71B | $8.26B |
| Long-Term Debt | $11.21B | $4.90B |
| Total Shareholders Equity | $3.90B | $4.89B |
| Retained Earnings | $3.83B | $5.06B |
| Property, Plant & Equipment | $33.73M | $205.00M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PFSI | COOP |
|---|---|---|
| Operating Cash Flow | $1.14B | $526.00M |
| Capital Expenditures | $-371,000 | $-13.00M |
| Free Cash Flow | $1.06B | $65.00M |
| Debt Repayment | $-6.12B | $-15.00M |
| Common Stock Repurchase | N/A | $0 |
Short Interest & Institutional Ownership Analysis
| Metric | PFSI | COOP |
|---|---|---|
| Shares Short | 1.69M | 3.11M |
| Short Ratio | 4.41 | 3.48 |
| Short % of Float | 0.06% | 0.07% |
| Average Daily Volume (10 Day) | 484,491 | 866,087 |
| Average Daily Volume (90 Day) | 449,224 | 817,989 |
| Shares Outstanding | 51.38M | 63.58M |
| Float Shares | 26.96M | 63.03M |
| % Held by Insiders | 0.35% | 0.02% |
| % Held by Institutions | 0.61% | 0.96% |
Dividend Analysis & Yield Comparison: Pennymac Financial vs Mr. Cooper
| Metric | PFSI | COOP |
|---|---|---|
| Last 12-Month Dividend | $0.90 | $2.00 |
| Last 12-Month Dividend Yield | 0.95% | 0.93% |
| 3-Year Avg Annual Dividend | $0.83 | $0.67 |
| 3-Year Avg Dividend Yield | 0.30% | 0.93% |
| 3-Year Total Dividends | $2.50 | $2.00 |
| Ex-Dividend Date | Feb 13, 2025 | Sep 29, 2025 |