PennyMac Financial Services
PFSI
60.91
-1.85
-2.95%
PennyMac Financial Services
US · PFSI
#2433 by market cap
Listed 1970
60.91
-1.85
-2.95%
Live - 5344 symbols - heartbeat 363s ago
· 2026-10-07 19:54
After-hours
60.91
0.00%
- Market cap
- 3.16B
- P/E (TTM)i
- 8.38
- P/Bi
- 0.73
- EPSi
- 9.30
- Div yieldi
- 1.97%
- 52W posi
- 1%
Reader sentiment
Are you bullish or bearish on PFSI?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Weak
- Altman Z-Score is 0.72, below the 1.8 "distress zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +28.41% YoY
Margins
- Gross margin
- 59.26%
- Operating margin
- 12.47%
- Net margin
- 11.34%
Key ratios & quality
- Enterprise valuei
- 25.51B
- PEG ratioi
- 4.76
- Altman Z-Scorei
- 0.72
PEG uses trailing P/E against the 3-year net income growth rate (1.76%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 984.63M | 1.48B | 3.71B | 3.17B | 1.99B | 1.40B | 1.59B | 2.05B |
| Gross profit | 571.55M | 891.71M | 2.77B | 2.13B | 1.31B | 1.45B | 1.37B | 2.62B |
| Selling & admin expenses | 150.59M | 215.91M | 322.51M | 461.24M | 338.17M | 238.08M | 257.04M | 343.07M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 267.70M | 529.44M | 2.24B | 1.36B | 688.69M | 346.40M | 402.62M | 551.42M |
| Pretax profit | 267.70M | 529.44M | 2.24B | 1.36B | 665.25M | 183.63M | 401.03M | 551.42M |
| Tax | 23.25M | 136.48M | 593.73M | 355.69M | 189.74M | 38.98M | 89.60M | 50.34M |
| Net profit | 244.44M | 392.97M | 1.65B | 1.00B | 475.51M | 144.66M | 311.42M | 501.08M |
| Basic EPS | 3 | 5 | 22 | 16 | 9 | 3 | 6 | 10 |
| Diluted EPS | 2.59 | 4.89 | 20.92 | 14.87 | 8.50 | 2.74 | 5.84 | 9.30 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 430.90M | 444.73M | 632.90M | 538.01M | 544.98M | 496.97M |
| Gross profit | 686.73M | 483.02M | 413.06M | 1.71B | 463.17M | 422.81M |
| Selling & admin expenses | 76.01M | 82.75M | 93.86M | 90.46M | 96.40M | 96.51M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 104.20M | 76.44M | 236.57M | 133.46M | 104.69M | 31.53M |
| Pretax profit | 104.20M | 76.44M | 236.37M | 134.41M | 104.69M | 31.53M |
| Tax | 27.92M | -60.02M | 54.87M | 27.57M | 22.37M | 9.80M |
| Net profit | 76.28M | 136.46M | 181.50M | 106.83M | 82.32M | 21.73M |
| Basic EPS | 1 | 3 | 4 | 2 | 2 | 0 |
| Diluted EPS | 1.42 | 2.54 | 3.37 | 1.97 | 1.53 | 0.41 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 4.24B | 6.69B | 27.83B | 14.21B | 10.47B | 11.27B | 16.12B | 18.44B |
| Cash & ST investments | 164.94M | 210.30M | 547.93M | 346.94M | 1.34B | 948.64M | 659.04M | 711.72M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 7.48B | 10.20B | 31.60B | 18.78B | 16.82B | 18.84B | 26.09B | 29.39B |
| Total current liabilities | 2.86B | 5.12B | 10.89B | 8.60B | 4.58B | 5.49B | 10.32B | 10.76B |
| Short-term debt | 1.93B | 4.14B | 9.65B | 7.29B | 3.00B | 3.76B | 8.69B | 8.79B |
| Long-term debt | 2.94B | 2.87B | 17.13B | 6.58B | 8.71B | 9.73B | 11.87B | 14.27B |
| Total liabilities | 5,824,782,000.00 | 8,142,510,000.00 | 28,208,407,000.00 | 15,358,287,000.00 | 13,351,535,000.00 | 15,305,960,000.00 | 22,257,236,000.00 | 25,079,713,000.00 |
| Total equity | 1.65B | 2.06B | 3.39B | 3.42B | 3.47B | 3.54B | 3.83B | 4.31B |
| Retained earnings | 343.14M | 726.39M | 2.34B | 3.29B | 3.47B | 3.51B | 3.77B | 4.21B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 13.62B | 13.46B | 14.43B | 18.44B | 20.49B | 18.05B |
| Cash & ST investments | 654.49M | 624.45M | 684.15M | 711.72M | 653.73M | 748.62M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 23.87B | 24.22B | 25.40B | 29.39B | 31.94B | 29.86B |
| Total current liabilities | 8.71B | 8.95B | 8.86B | 10.76B | 11.96B | 10.19B |
| Short-term debt | 7.06B | 7.34B | 7.13B | 8.79B | 10.18B | 8.44B |
| Long-term debt | 11.21B | 11.18B | 12.27B | 14.27B | 15.55B | 15.25B |
| Total liabilities | 19,969,120,000.00 | 20,189,404,000.00 | 21,193,234,000.00 | 25,079,713,000.00 | 27,618,239,000.00 | 25,522,565,000.00 |
| Total equity | 3.90B | 4.03B | 4.21B | 4.31B | 4.33B | 4.34B |
| Retained earnings | 3.83B | 3.96B | 4.12B | 4.21B | 4.28B | 4.28B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 572.40M | -2.25B | -6.20B | 2.56B | 6.03B | -1.58B | -4.53B | -1.65B |
| Depreciation & amortization | 12.93M | 25.18M | 37.86M | 42.94M | 50.24M | 70.02M | 69.66M | 69.36M |
| Free cash flow | 313.87M | -2.51B | -6.28B | 2.51B | 5.95B | -1.62B | -4.56B | -1.70B |
| Dividends paid | -10.05M | -9.71M | -30.95M | -52.90M | -54.62M | -41.45M | -52.16M | -62.55M |
| Stock buybacks / issuance | -5.29M | -1.06M | -337.48M | -958.19M | -406.09M | -71.49M | 0 | -4.74M |
| Ending cash balance | 155.92M | 188.58M | 532.78M | 340.09M | 1.33B | 938.37M | 238.48M | 301.68M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 1.07B | -131.32M | -697.37M | -1.89B | -1.34B | 2.14B |
| Depreciation & amortization | 17.30M | 18.36M | 16.48M | 17.22M | 17.74M | 18.83M |
| Free cash flow | 1.06B | -141.77M | -707.65M | -1.91B | -1.37B | 2.13B |
| Dividends paid | -15.01M | -15.81M | -15.81M | -15.93M | -15.60M | -15.88M |
| Stock buybacks / issuance | 0 | 0 | -4.74M | 0 | -50.01M | 0 |
| Ending cash balance | 211.09M | 162.19M | 621.92M | 301.68M | 219.51M | 214.27M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 8.26 | 21.15 | 60.43 | 29.48 | 13.80 | 4.13 | 8.45 | 12.31 |
| ROA %i | 1.18 | 4.44 | 7.88 | 3.98 | 2.67 | 0.81 | 1.39 | 1.81 |
| ROIC %i | 1.46 | 5.00 | 8.35 | 4.21 | 2.91 | 0.90 | 1.50 | 1.94 |
| 5-year avg ROE %i | 18.62 | 18.99 | 27.18 | 28.80 | 26.63 | 25.80 | 23.26 | 13.64 |
| EBIT margin %i | 23.54 | 31.52 | 56.69 | 38.19 | 29.47 | 17.36 | 16.72 | 12.47 |
| FCF / sales %i | 27.60 | -- | -- | 70.42 | 256.32 | -- | -- | -- |
| Current ratioi | 1.49 | 1.31 | 2.56 | 1.65 | 2.29 | 2.05 | 1.56 | 1.71 |
| Quick ratioi | 0.46 | 1.21 | 2.47 | 1.55 | 2.11 | 1.89 | 1.47 | 1.62 |
| Debt / assetsi | 65.21 | 69.78 | 85.12 | 74.50 | 69.64 | 71.61 | 78.79 | 78.46 |
| LT debt / equityi | 177.93 | 144.55 | 508.65 | 195.89 | 251.06 | 274.99 | 309.91 | 331.07 |
| Interest coveragei | -- | -- | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | 13.49 | 18.32 | 54.08 | 46.26 | 11.39 | -12.54 | -7.17 | 23.95 |
| Net income CAGR (3Y) %i | 22.91 | 81.17 | 153.78 | 125.34 | 6.56 | -55.55 | -32.30 | 1.76 |
| FCF CAGR (3Y) %i | -- | -- | -- | 99.87 | -- | -- | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 9.32 | 10.05 | 12.55 | 12.31 | 12.32 | 9.38 |
| ROA %i | 1.60 | 1.69 | 2.07 | 1.81 | 1.82 | 1.45 |
| ROIC %i | 1.72 | 1.82 | 2.22 | 1.94 | 1.94 | 1.55 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 15.54 | 12.71 | 18.90 | 12.47 | 12.78 | 11.63 |
| FCF / sales %i | -- | -- | -- | -- | -- | -- |
| Current ratioi | 1.56 | 1.50 | 1.63 | 1.71 | 1.71 | 1.77 |
| Quick ratioi | 1.48 | 1.42 | 1.55 | 1.62 | 1.62 | 1.67 |
| Debt / assetsi | 76.54 | 76.46 | 76.39 | 78.46 | 80.53 | 79.33 |
| LT debt / equityi | 287.27 | 277.16 | 291.66 | 331.07 | 359.42 | 351.67 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Lead segment, long tail
- Production is the largest reported line at 67.83% of revenue, across 3 reported segments.
- Servicing follows at 27.48%, so the top line still matters most but isn’t the whole story.
Revenue breakdown most recent period
Business
Production67.83%
Servicing27.48%
Corporate and Other4.69%
Quote time 2026-10-07 19:54:59 · For reference only, not investment advice and not tailored to your situation.