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PennyMac Financial Services Inc. SWOT and PESTLE Analysis

ID : 521090753| Feb 2023| 21 pages

COMPANY PROFILE -PennyMac Financial Services.

Business Sector :Residential Mortgage

Operating Geography :United States

About PennyMac Financial Services. :

PennyMac Financial Services, based in Westlake Village, California, is an American residential mortgage lender. The company's business revolves around the production and servicing of mortgage loans in the United States, as well as the management of mortgage-related investments. The company is divided into two divisions: PennyMac Loan Services, LLC, and PNMAC Capital Management, LLC. The company operates on a consumer-direct basis, relying on the Internet and call centre employees to acquire and communicate with clients all across the country. Stanford Kurland, the former President of Countrywide Financial, created PennyMac in 2008 (during the subprime mortgage crisis), with financial backing from BlackRock and Highfields Capital Management. PennyMac's business is divided into three segments: mortgage production, mortgage servicing (which includes both production and servicing), and investment management. The company's mortgage production is focused on first-lien and government-backed or guaranteed loans. The loan servicing division is responsible for loan administration, collection, and default management. Management fees earned from the PNMAC subsidiary for managing the PennyMac Mortgage Investment Trust are included in the investment management segment. In April 2021, PennyMac Financial Services announced that it will offer job opportunities to professionals in the Nashville Metropolitan Area.
PennyMac Financial Services’ Unique Selling Point or USP lies in it being one of the largest publicly-traded residential mortgage companies in the country. The mission statement of the company reads, "At PennyMac, we know your home is more than a place to live, it's your place to dream, laugh, and grow. That's why we have made it our mission to be more than just a mortgage lender — restoring trust and quality in the home loan experience from beginning to end".

PennyMac Financial Services. Revenue :


$3705.6 million - FY ending 31st March 2020 (y-o-y growth 151%)
$1447.4 million - FY ending 31st March 2019

Competitive Analysis of PennyMac Financial Services.

SWOT
PESTLE
The SWOT analysis for PennyMac Financial Services is presented below in a matrix followed by the detailed analysis report:
StrengthsWeaknesses
1. Leader in the US residential mortgage industry
2. Balanced business model capable of scalability and long-term growth
3. Strong financial position and good stock performance
4. Good gender and ethnic diversity in the workplace
5. Large range of options apart from conventional government-backed loans 		1. High level of debt
2. Increased mortgage delinquencies due to the pandemic
3. Does not offer home equity loans
OpportunitiesThreats
1. Taking advantage of the growing broker lending channel
2. Buying out delinquent loans to increase revenues
3. Investing more in the digital lending platform		1. Robust mortgage market attracts many competitors
2. High dependance on government-sponsored entities like Freddie Mae and Fannie Mae
3. Interest rate volatility affects the mortgage industry
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Detailed SWOT Analysis of PennyMac Financial Services.

Strength

1. Leader in the US residential mortgage industry: PennyMac Financial Services is a leader in the US residential mortgage industry. Mortgage loans are the largest class of loans in the US. As the outstanding mortgage loan in the US market has consistently grown again since the financial crisis and reached $12.4 trillion in 2020, PFSI has taken advantage of this huge market and expanded its operations. The company has been consistently delivering good long-term returns to stockholders. The 5-year summary shows that PFSI’s book value has grown almost 7x(37%) since its IPO in 2008 while the Russell 2000 index has only shown a return of 16%. In loan production, PFSI is the second largest in the US, holding 4.8% of the total market share. PFSI is the 6th largest company in the loan servicing category in the US.

The remaining section under "Strength" is available only in the 'Complete Report' on purchase.

Weakness

This section is available only in the 'Complete Report' on purchase.

Opportunity

1. Taking advantage of the growing broker lending channel: The broker direct lending channel expanded manifold in 2020, up from $4 billion in 2020, to almost $12 billion in 2020, showing a jump of 3.2x. According to Inside Mortgage Finance, the broker lending channel was about 14% of the total US residential mortgages in 2020. The key difference between a mortgage broker and a direct lender is that direct lenders are financial institutions that can directly finance mortgage loans without bringing a third-party into the picture. PennyMac can leverage its strong market position to expand greatly into the broker direct lending channel where even more growth in expected in the coming years. PFSI’s broker direct channel already boasts of excellence in correspondence between brokers and the local communities. PFSI plans to increase its mortgage loan volume by increasing the number of brokers who can access PFSI’s mortgage lending portal.

The remaining section under "Opportunity" is available only in the 'Complete Report' on purchase.

Threat

This section is available only in the 'Complete Report' on purchase.

Major Competitors :

  • JP Morgan Chase
  • Wells Fargo
  • Rocket Mortgage
  • Mr. Cooper
  • United Wholesale Mortgage
  • Swissport GB Ltd.

Major Brands :

  • PennyMac Financial Services
  • PennyMac Loan Services
  • PNMAC Capital Management
  • PennyMac Mortgage Investment Trust
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TABLE OF CONTENTS
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WHY CHOOSE US?

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References used in PennyMac Financial Services. SWOT & PESTLE Analysis Report

1. PennyMac INVESTOR DAY June 2021 - http://s23.q4cdn.com/545760634/files/doc_presentations/2021/06/PFSI-PMT-InvestorDay_Master_Deck_FINAL.pdf

2. PENNYMAC FINANCIAL SERVICES, INC. INVESTOR PRESENTATION September 2021 - https://s23.q4cdn.com/545760634/files/doc_presentations/2021/09/PFSI-September-2021-Investor-Presentation.pdf

3. PennyMac Mortgage Review for 2022 | The Mortgage Reports -https://themortgagereports.com/74701/pennymac-mortgage-review-rates-loan-options-credit-score

4. Competing on customer experience in US mortgage | McKinsey & Company - https://www.mckinsey.com/industries/financial-services/our-insights/banking-matters/competing-on-customer-experience-in-us-mortgage

5. The Effects of Housing Price Volatility on Mortgage Rates on JSTOR - https://www.jstor.org/stable/24861825

The detailed complete set of references are available on request in the 'Complete report' on purchase.

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SWOT & PESTLE.com (2024). PennyMac Financial Services Inc. SWOT and PESTLE Analysis - SWOT & PESTLE.com. [online] Available at: https://www.swotandpestle.com/pennymac-financial-services-inc/ [Accessed 07 Dec, 2024].

In-text: (SWOT & PESTLE.com, 2024)

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PennyMac Financial Services SWOT and PESTLE analysis has been conducted by Anangsha Saha and reviewed by senior analysts from Barakaat Consulting.

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