PFSI vs. RKT: A Head-to-Head Stock Comparison

Updated on August 25, 2025

Here’s a clear look at PFSI and RKT, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	PFSI	RKT
Company Name	PennyMac Financial Services, Inc.	Rocket Companies, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Financial Services	Financial Services
Market Capitalization	5.44 billion USD	37.49 billion USD
Exchange	NYSE	NYSE
Listing Date	May 9, 2013	August 6, 2020
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of PFSI and RKT by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

PFSI vs. RKT: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	PFSI	RKT
5-Day Price Return	-2.88%	-5.13%
13-Week Price Return	4.75%	37.14%
26-Week Price Return	4.22%	38.10%
52-Week Price Return	6.27%	-7.45%
Month-to-Date Return	13.04%	20.24%
Year-to-Date Return	3.08%	57.73%
10-Day Avg. Volume	0.39M	16.97M
3-Month Avg. Volume	0.38M	15.96M
3-Month Volatility	31.12%	58.40%
Beta	1.57	2.23

Profitability

Return on Equity (TTM)

PFSI

9.97%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

PFSI’s Return on Equity of 9.97% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

RKT

-0.01%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

RKT has a negative Return on Equity of -0.01%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

PFSI vs. RKT: A comparison of their Return on Equity (TTM) against the Financial Services industry benchmark.

Net Profit Margin (TTM)

PFSI

14.58%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

PFSI’s Net Profit Margin of 14.58% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

RKT

-0.01%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

RKT has a negative Net Profit Margin of -0.01%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

PFSI vs. RKT: A comparison of their Net Profit Margin (TTM) against the Financial Services industry benchmark.

Operating Profit Margin (TTM)

PFSI

15.24%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

PFSI’s Operating Profit Margin of 15.24% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

RKT

13.77%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

RKT’s Operating Profit Margin of 13.77% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

PFSI vs. RKT: A comparison of their Operating Profit Margin (TTM) against the Financial Services industry benchmark.

Profitability at a Glance

Symbol	PFSI	RKT
Return on Equity (TTM)	9.97%	-0.01%
Return on Assets (TTM)	1.59%	0.00%
Net Profit Margin (TTM)	14.58%	-0.01%
Operating Profit Margin (TTM)	15.24%	13.77%
Gross Profit Margin (TTM)	66.30%	--

Financial Strength

Current Ratio (MRQ)

PFSI

0.02

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

RKT

0.40

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

PFSI vs. RKT: A comparison of their Current Ratio (MRQ) against the Financial Services industry benchmark.

Debt-to-Equity Ratio (MRQ)

PFSI

3.36

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

RKT

2.69

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

PFSI vs. RKT: A comparison of their Debt-to-Equity Ratio (MRQ) against the Financial Services industry benchmark.

Interest Coverage Ratio (TTM)

PFSI

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

RKT

2.42

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

PFSI vs. RKT: A comparison of their Interest Coverage Ratio (TTM) against the Financial Services industry benchmark.

Financial Strength at a Glance

Symbol	PFSI	RKT
Current Ratio (MRQ)	0.02	0.40
Quick Ratio (MRQ)	0.02	0.40
Debt-to-Equity Ratio (MRQ)	3.36	2.69
Interest Coverage Ratio (TTM)	--	2.42

Growth

Revenue Growth

PFSI vs. RKT: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

PFSI vs. RKT: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

PFSI

1.14%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

PFSI’s Dividend Yield of 1.14% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

RKT

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

RKT currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

PFSI vs. RKT: A comparison of their Dividend Yield (TTM) against the Financial Services industry benchmark.

Dividend Payout Ratio (TTM)

PFSI

16.08%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

PFSI’s Dividend Payout Ratio of 16.08% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

RKT

0.00%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

RKT has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

PFSI vs. RKT: A comparison of their Dividend Payout Ratio (TTM) against the Financial Services industry benchmark.

Dividend at a Glance

Symbol	PFSI	RKT
Dividend Yield (TTM)	1.14%	0.00%
Dividend Payout Ratio (TTM)	16.08%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

PFSI

14.08

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

PFSI’s P/E Ratio of 14.08 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

RKT

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

P/E Ratio data for RKT is currently unavailable.

PFSI vs. RKT: A comparison of their Price-to-Earnings Ratio (TTM) against the Financial Services industry benchmark.

Price-to-Sales Ratio (TTM)

PFSI

2.05

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

RKT

7.31

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

PFSI vs. RKT: A comparison of their Price-to-Sales Ratio (TTM) against the Financial Services industry benchmark.

Price-to-Book Ratio (MRQ)

PFSI

1.28

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

PFSI’s P/B Ratio of 1.28 is within the conventional range for the Financial Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

RKT

3.81

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

RKT’s P/B Ratio of 3.81 is in the upper tier for the Financial Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

PFSI vs. RKT: A comparison of their Price-to-Book Ratio (MRQ) against the Financial Services industry benchmark.

Valuation at a Glance

Symbol	PFSI	RKT
Price-to-Earnings Ratio (TTM)	14.08	--
Price-to-Sales Ratio (TTM)	2.05	7.31
Price-to-Book Ratio (MRQ)	1.28	3.81
Price-to-Free Cash Flow Ratio (TTM)	5.14	20.65