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

Pennymac Financial Services Inc.

NYSE
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Mr. Cooper Group Inc.

NASDAQ
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

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

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

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PFSI
COOP

Performance Comparison

Short-term Returns

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

Long-term Returns

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

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

MetricPFSICOOP
Market Information
Market Cap i$4.69B$13.49B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i554,749971,749
90 Day Avg. Volume i575,460837,096
Last Close$82.41$210.79
52 Week Range$77.67 - $160.36$84.68 - $234.73
% from 52W High-48.61%-10.20%
All-Time High$160.36 (Jan 16, 2026)$234.73 (Sep 11, 2025)
% from All-Time High-48.61%-10.20%
Growth Metrics
Quarterly Revenue Growth5.11%0.04%
Quarterly Earnings Growth0.02%-0.03%
Financial Health
Profit Margin (TTM) i0.14%0.25%
Operating Margin (TTM) i0.15%0.48%
Return on Equity (TTM) i0.12%0.12%
Debt to Equity (MRQ) i537.23238.73
Cash & Liquidity
Book Value per Share (MRQ)$82.77$79.69
Cash per Share (MRQ)$9.38$12.88
Operating Cash Flow (TTM) i$-1,651,984,000$-63,000,000
Levered Free Cash Flow (TTM) i$501.08M$-2,000,499,968
Dividends
Last 12-Month Dividend Yield i1.30%0.93%
Last 12-Month Dividend i$1.20$2.00

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

MetricPFSI (Apr 24, 2026)COOP (Oct 21, 2025)
Price Ratios
P/E Ratio (TTM) i9.7523.63
Forward P/E i5.7815.65
PEG Ratio i19.88-10.67
Price to Sales (TTM) i1.376.01
Price to Book (MRQ) i1.102.65
Market Capitalization
Market Capitalization i$4.69B$13.49B
Enterprise Value i$27.39B$24.84B
Enterprise Value Metrics
Enterprise to Revenue i7.9111.06
Enterprise to EBITDA i44.1212.92
Risk & Other Metrics
Beta i1.521.08
Book Value per Share (MRQ) i$82.77$79.69

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

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPFSI (2025)COOP (2024)
Revenue/Sales i4.42B3.02B
Cost of Goods Sold i1.80B1.47B
COGS % of Revenue i40.7%48.8%
Gross Profit i2.62B1.54B
Gross Margin i59.3%51.2%
Research & Development iN/AN/A
Operating Income (EBIT) i551.42M920.00M
Operating Margin i12.5%30.5%
EBITDA i620.77M964.00M
EBITDA Margin i14.0%32.0%
Pre-Tax Income i551.42M901.00M
Pre-Tax Income % of Revenue i12.5%29.9%
Income Tax i50.34M232.00M
Income Tax % of Revenue i1.1%7.7%
Net Income (Profit) i501.08M669.00M
Profit Margin i11.3%22.2%

Balance Sheet & Liquidity Metrics

MetricPFSI (2025)COOP (2024)
Cash & Equivalents i301.68M753.00M
Total Current Assets i18.44B4.53B
Total Current Assets % of Revenue i417.3%150.2%
Total Current Liabilities i10.76B8.82B
Total Current Liabilities % of Revenue i243.5%292.4%
Long-Term Debt i14.27B4.89B
Long-Term Debt % of Revenue i322.7%162.2%
Total Shareholders Equity i4.31B4.81B
Retained Earnings i4.21B4.97B
Retained Earnings % of Revenue i95.3%164.9%
Property, Plant & Equipment i61.76M0

Cash Flow Statement Comparison

MetricPFSI (2025)COOP (2024)
Operating Cash Flow i-1.46B47.00M
Operating Cash Flow % of Revenue i-32.9%1.6%
Capital Expenditures i-11.92M-38.00M
Free Cash Flow i-1.70B-2.67B
FCF Margin i-38.5%-88.5%
Debt Repayment i-27.52B-66.00M
Common Stock Repurchase i-4.74M-147.00M

Short Interest & Institutional Ownership Analysis

MetricPFSICOOP
Shares Short i1.92M2.92M
Short Ratio i2.813.88
Short % of Float i6.55%6.49%
Shares Outstanding i52.06M64.00M
Float Shares i27.61M63.03M
% Held by Insiders i34.96%1.94%
% Held by Institutions i66.24%96.11%
% Held by Public i-1.20%1.95%

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

MetricPFSICOOP
Last 12-Month Dividend i$1.20$2.00
Last 12-Month Dividend Yield i1.30%0.93%
3-Year Avg Annual Dividend i$1.03$0.67
3-Year Avg Dividend Yield i0.28%0.93%
3-Year Total Dividends i$3.10$2.00
Ex-Dividend DateFeb 13, 2026Sep 29, 2025