What is PennyMac Financial Services, Inc.'s Shariah compliance score?

PennyMac Financial Services, Inc.'s (PFSI) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does PennyMac Financial Services, Inc. pass AAOIFI screening?

PennyMac Financial Services, Inc. (PFSI) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (PFSI: 147.8%), (3) interest-bearing deposits below 30% (PFSI: 15.4%), and (4) prohibited income below 5% (PFSI: 3860.7%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for PennyMac Financial Services, Inc. stock?

PennyMac Financial Services, Inc. (PFSI) has a non-permissible income ratio of 3860.74%. Muslim investors should purify this percentage of any dividends received and capital gains realized from PFSI shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen PennyMac Financial Services, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for PennyMac Financial Services, Inc. (PFSI) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about PFSI's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is PennyMac Financial Services, Inc. (PFSI) halal? Not Halal. Based on AAOIFI screening, PennyMac Financial Services, Inc. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

PFSI: Is PennyMac Financial Services, Inc. Halal?

Not Halal

PennyMac Financial Services, Inc.

NYSEFinancial ServicesUS

$84.04

+1.88%

AvoidBorderlineClean

About PennyMac Financial Services, Inc.

PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. It operates through three segments: Production, Servicing, and Investment Management. The Production segment is involved in the origination, acquisition, and sale of loans. It sources first-lien residential conventional and government-insured or guaranteed mortgage loans. The Servicing segment engages in the servicing of newly originated loans, and execution and management of early buyout transactions and servicing of loans. It performs loan administration, collection, and default management activities, including the collection and remittance of loan payments, response to customer inquiries, accounting for principal and interest, holding custodial funds for the payment of property taxes and insurance premiums, counseling delinquent borrowers, and supervising foreclosures and property dispositions, as well as administers loss mitigation activities, such as modification and forbearance programs. The Investment Management segment is involved in sourcing, performing diligence, bidding, and closing investment asset acquisitions; managing correspondent production activities for PennyMac Mortgage Investment Trust; and managing acquired assets. PennyMac Financial Services, Inc. was founded in 2008 and is headquartered in Westlake Village, California.

Sector: Financial Services · Industry: Financial - Mortgages

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 2026

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Passed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap147.8% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 18, 2026Fiscal: Q1 2026Source: EDGAR

Financial Overview

Market Cap

4.4B

Price

$84.04

Sector

Financial Services

Industry

Financial - Mortgages

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

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SLVA+

iShares Silver Trust

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ABA+

AllianceBernstein Holding L.P.

$36.03

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IPCXA+

Inflection Point Acquisition Corp. III

$10.31

+0.00%

AXINA+

Axiom Intelligence Acquisition Corp 1

$10.42

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Free · No credit card required

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Frequently Asked Questions

Is PennyMac Financial Services, Inc. (PFSI) halal to invest in?

PennyMac Financial Services, Inc. (PFSI) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did PennyMac Financial Services, Inc. get a F compliance rating?

PennyMac Financial Services, Inc. (PFSI) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 147.8% (limit 30%); interest-bearing deposits of 15.4% (limit 30%); prohibited income of 3860.74% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change PennyMac Financial Services, Inc.'s Shariah verdict?

PennyMac Financial Services, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is PennyMac Financial Services, Inc. re-screened for Shariah compliance?

PennyMac Financial Services, Inc. (PFSI) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.