PennyMac Financial Services, Inc. vs Upstart Holdings, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where PFSI and UPST diverge most: on p/e, PFSI reads 8.2 and UPST reads 46.3; on p/b, PFSI reads 0.72 and UPST reads 2.94. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | PFSI | UPST |
|---|---|---|
| Price | $59.95 | $24.09 |
| Market cap | $3.1B | $2.3B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 8.2 | 46.3 |
| P/B | 0.72 | 2.94 |
| P/S | 1.41 | 1.88 |
| EV/EBITDA | 171.9 | 57.6 |
| Revenue growth | +26.6% | +48.1% |
| Operating margin | — | 4.0% |
| Net margin | 17.7% | 4.8% |
| Return on equity | 9.1% | 7.6% |
| Return on assets | 1.3% | 1.9% |
| Dividend yield | 2.0% | — |
| Debt / equity | 1.46 | 2.51 |
| Altman Z (solvency) | 0.35 | 0.85 |
| Piotroski F (quality) | 6 / 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.