PennyMac Financial Services, Inc. PFSI R2KR3KFINANCIAL
Company Overview
PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment also sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs, and supervising foreclosures and property dispositions. The company was founded in 2008 and is headquartered in Westlake Village, California.
Why Investors Should Care
Net profit has compounded at 25.2% per year over the last five years.
Revenue has grown at a 22.2% CAGR over the past five years.
Trades at a P/E of 10.0, below the sector median of 14.5.
Recent Developments
- Dec 2025 Revenue of $20.11M (-25.2% YoY); net profit $501.08M.
- Trailing 12 Months Year-on-year growth — revenue +1.8%, earnings -83.9%.
- 5-Year Trend Long-term compounding — revenue CAGR 22.2%, profit CAGR 25.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 22.23% |
| 1 Year: | 1.80% |
Compounded Profit Growth
| 5 Years: | 25.24% |
| 1 Year: | -83.90% |
Stock Price Performance
| 1 Year: | -31.72% |
| 6 Months: | -14.35% |
| 3 Months: | -9.44% |
| 1 Month: | -4.48% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)41.68 · Neutral
P/E of 10.03 is below the sector median of 14.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 22.2% over 5 years.
- Profit CAGR of 25.2% over 5 years.
CONS
- Trading 53.5% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PFSI PennyMac Financial Services, Inc. R2KR3KFINANCIAL | 73.29 | 10.03 | $3.81B | 1.56% | - | 9.38% | 22.23% | 25.24% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | 487.00K | - | 1.87M | 2.57M | 2.60M | - | 2.35M | 2.13M | 2.38M | - | 1.68M | 2.12M | 2.30M | 1.75M | 2.46M | 1.29M | 2.89M | 2.65M | 3.24M | 2.19M | 2.94M | 2.88M | 3.62M | 15.73M | 3.44M | 4.92M | 4.52M | 4.58M | 6.12M | 19.50M |
| Net Income | 10.88M | 10.48M | 17.08M | 62.32M | 16.62M | 17.84M | 14.49M | 38.75M | 46.13M | 72.70M | 121.47M | 152.66M | 306.24M | 352.68M | 535.16M | 376.87M | 204.23M | 249.31M | 173.59M | 129.16M | 135.13M | 30.38M | 58.25M | 92.87M | 39.31M | 98.26M | 69.37M | 76.28M | 136.46M | 181.50M | 82.32M | 21.73M |
| Diluted EPS | 0.47 | 0.44 | 0.71 | 2.44 | 0.67 | 0.70 | 0.57 | 0.63 | 0.58 | 0.92 | 1.51 | 1.88 | 3.73 | 4.39 | 7.03 | 5.15 | 2.94 | 3.80 | 2.94 | 2.28 | 2.46 | 0.57 | 1.11 | 1.77 | 0.74 | 1.85 | 1.30 | 1.42 | 2.54 | 3.37 | 1.53 | 0.41 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.30M | 3.68M | 9.25M | 8.88M | 6.74M | 7.33M | 12.39M | 13.40M | 26.87M | 20.11M |
| Net Income | 66.08M | 100.76M | 87.69M | 392.96M | 1.65B | 1.00B | 475.51M | 144.66M | 311.42M | 501.08M |
| Diluted EPS | 2.94 | 4.03 | 2.59 | 4.89 | 20.92 | 14.87 | 8.50 | 2.74 | 5.84 | 9.30 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2015 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 5.25B | 6.40B | 6.39B | 7.37B | 6.90B | 6.84B | 6.99B | 7.48B | 7.82B | 8.40B | 9.30B | 10.20B | 31.60B | 18.78B | 16.82B | 18.84B | 26.09B | 29.39B |
| Total Equity | 1.06B | 1.40B | 1.46B | 1.51B | 1.59B | 469.41M | 1.79B | 1.86B | 1.92B | 1.65B | 1.70B | 1.78B | 1.91B | 2.06B | 3.39B | 3.42B | 3.47B | 3.54B | 3.83B | 4.31B |
| Long Term Debt | - | - | 690.48M | 671.79M | 1.15B | 1.14B | 1.38B | 1.47B | 1.57B | 1.65B | 1.75B | 1.52B | 1.50B | 1.49B | - | 3.10B | 3.75B | 4.43B | 5.25B | 6.23B |
| Total Liabilities | - | - | 3.79B | 4.89B | 4.80B | 5.65B | 5.11B | 4.98B | 5.08B | 5.82B | 6.12B | 6.62B | 7.39B | 8.14B | 28.21B | 15.36B | 13.35B | 15.31B | 22.26B | 25.08B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -938.33M | -883.41M | 572.40M | -2.25B | -6.20B | 2.56B | 6.03B | -1.58B | -4.53B | -1.65B |
| Investing Cash Flow | -34.74M | -339.23M | -322.61M | 148.78M | 783.03M | -304.37M | -721.58M | -273.29M | -1.89B | 552.49M |
| Financing Cash Flow | 967.16M | 1.16B | -132.03M | 2.13B | 5.76B | -2.45B | -4.32B | 1.47B | 5.72B | 1.16B |
| Capital Expenditure | -21.85M | -6.79M | -13.42M | -6.12M | -10.67M | -7.90M | -7.16M | -1.39M | -1.72M | -11.92M |
| Free Cash Flow | -960.18M | -890.20M | 558.98M | -2.25B | -6.21B | 2.56B | 6.03B | -1.58B | -4.53B | -1.66B |
| Share Buybacks | - | 8.60M | 5.29M | 1.06M | 337.48M | 958.19M | 406.09M | 71.49M | - | 4.74M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | 2,001.2% | 2,735.7% | 947.7% | 4,425.3% | 24,445.4% | 13,699.5% | 3,837.2% | 1,079.3% | 1,159.1% | 2,491.9% |
| ROE % | 4.7% | 21.5% | 5.3% | 19.1% | 48.6% | 29.4% | 13.7% | 4.1% | 8.1% | 11.6% |
| ROCE % | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | MFN Partners Management, LP | 8.72% | 4.53M | $332.54M |
| 2 | T. Rowe Price Investment Management, Inc. | 7.55% | 3.92M | $287.79M |
| 3 | Blackrock Inc. | 4.48% | 2.33M | $170.80M |
| 4 | Dimensional Fund Advisors LP | 4.10% | 2.13M | $156.34M |
| 5 | Donald Smith & Co., Inc. | 3.62% | 1.88M | $138.12M |
| 6 | Rubric Capital Management LP | 3.27% | 1.70M | $124.75M |
| 7 | Vanguard Portfolio Management LLC | 3.19% | 1.66M | $121.79M |
| 8 | Vanguard Capital Management LLC | 2.49% | 1.29M | $94.94M |
| 9 | Invesco Ltd. | 1.94% | 1.01M | $73.90M |
| 10 | State Street Corporation | 1.78% | 922.21K | $67.67M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PFSI
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PFSI — Frequently Asked Questions
What is the current share price of PennyMac Financial Services, Inc. (PFSI)?
As of 2026-09-07 16:24 PDT, PennyMac Financial Services, Inc. (PFSI) trades at $73.29 on NYSE. Its 52-week range is $70.78 to $157.77.
What is the market capitalisation of PFSI?
PennyMac Financial Services, Inc. (PFSI) has a market capitalisation of $3.81B on NYSE.
What is the P/E ratio of PFSI?
PFSI trades at a trailing price-to-earnings (P/E) ratio of 10.03. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 0.93.
Does PFSI pay a dividend?
PennyMac Financial Services, Inc. (PFSI) currently offers a dividend yield of 1.56%.
What is the return on equity (ROE) of PFSI?
PFSI has a return on equity (ROE) of 9.38%.
Is PFSI a good stock to buy?
This page provides a data-driven analysis of PennyMac Financial Services, Inc. (PFSI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.