PennyMac Financial Services (PFSI) Competitors

Citizens Financial Group (NYSE:CFG) and PennyMac Financial Services (NYSE:PFSI) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, risk, dividends, profitability, earnings, community ranking, media sentiment, valuation and institutional ownership.

Do institutionals and insiders have more ownership in CFG or PFSI?

94.9% of Citizens Financial Group shares are owned by institutional investors. Comparatively, 57.9% of PennyMac Financial Services shares are owned by institutional investors. 0.6% of Citizens Financial Group shares are owned by insiders. Comparatively, 16.6% of PennyMac Financial Services shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Does the MarketBeat Community prefer CFG or PFSI?

Citizens Financial Group received 136 more outperform votes than PennyMac Financial Services when rated by MarketBeat users. However, 64.03% of users gave PennyMac Financial Services an outperform vote while only 62.05% of users gave Citizens Financial Group an outperform vote.

Company	Underperform	Outperform
Citizens Financial Group	Outperform Votes 533 62.05%	Underperform Votes 326 37.95%
PennyMac Financial Services	Outperform Votes 397 64.03%	Underperform Votes 223 35.97%

Which has more risk & volatility, CFG or PFSI?

Citizens Financial Group has a beta of 1.1, indicating that its stock price is 10% more volatile than the S&P 500. Comparatively, PennyMac Financial Services has a beta of 1.78, indicating that its stock price is 78% more volatile than the S&P 500.

Does the media prefer CFG or PFSI?

In the previous week, Citizens Financial Group had 21 more articles in the media than PennyMac Financial Services. MarketBeat recorded 25 mentions for Citizens Financial Group and 4 mentions for PennyMac Financial Services. Citizens Financial Group's average media sentiment score of 0.90 beat PennyMac Financial Services' score of 0.33 indicating that Citizens Financial Group is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Citizens Financial Group	10 Very Positive mention(s)	6 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
PennyMac Financial Services	1 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do analysts prefer CFG or PFSI?

Citizens Financial Group presently has a consensus target price of $47.78, suggesting a potential upside of 0.54%. PennyMac Financial Services has a consensus target price of $122.50, suggesting a potential upside of 13.82%. Given PennyMac Financial Services' stronger consensus rating and higher probable upside, analysts clearly believe PennyMac Financial Services is more favorable than Citizens Financial Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens Financial Group	0 Sell rating(s)	8 Hold rating(s)	9 Buy rating(s)	1 Strong Buy rating(s)	2.61
PennyMac Financial Services	0 Sell rating(s)	1 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.83

Is CFG or PFSI a better dividend stock?

Citizens Financial Group pays an annual dividend of $1.68 per share and has a dividend yield of 3.5%. PennyMac Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 1.1%. Citizens Financial Group pays out 66.1% of its earnings in the form of a dividend. PennyMac Financial Services pays out 38.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Is CFG or PFSI more profitable?

PennyMac Financial Services has a net margin of 11.45% compared to Citizens Financial Group's net margin of 10.37%. PennyMac Financial Services' return on equity of 15.13% beat Citizens Financial Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Citizens Financial Group	10.37%	5.73%	0.58%
PennyMac Financial Services	11.45%	15.13%	2.64%

Which has better earnings & valuation, CFG or PFSI?

Citizens Financial Group has higher revenue and earnings than PennyMac Financial Services. Citizens Financial Group is trading at a lower price-to-earnings ratio than PennyMac Financial Services, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens Financial Group	$12.19B	1.72	$1.61B	$2.54	18.71
PennyMac Financial Services	$1.40B	3.94	$144.66M	$3.15	34.17

Summary

PennyMac Financial Services beats Citizens Financial Group on 12 of the 21 factors compared between the two stocks.