PennyMac Financial Services, Inc. vs SoFi Technologies, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin gap favors the unfashionable one: PennyMac nets 23.5% of revenue against SoFi's 14.6%, mortgage servicing out-earning neobank lending per dollar of sales. The multiple gap runs the other way by four times, 39.7 against 9.1, growth story over rate story. Returns on equity, 11.7% against 5.3%, also favor PennyMac. Both carry the cash-flow noise of lenders (negative free-cash figures that mean growth and flow, not decay). SoFi is debt-free at the holding level; PennyMac runs 1.44 turns. The pair prices narrative against arithmetic in consumer finance: the bank of the future at a premium, the servicer of the present at a discount, both currently profitable.
Comparison updated 2026-07-10.
| Metric | PFSI | SOFI |
|---|---|---|
| Price | $86.05 | $17.86 |
| Market cap | $4.6B | $24.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 9.1 | 39.7 |
| P/B | 1.07 | 2.28 |
| P/S | 2.15 | 6.24 |
| EV/EBITDA | 787.9 | 313.9 |
| Revenue growth | +26.0% | +40.7% |
| Net margin | 23.5% | 14.6% |
| Return on equity | 11.7% | 5.3% |
| Return on assets | 1.6% | 1.1% |
| Dividend yield | 1.4% | — |
| Debt / equity | 1.44 | 0.00 |
| Altman Z (solvency) | 0.36 | 0.40 |
| Piotroski F (quality) | 5 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.