PennyMac Financial Services, Inc. PFSI R2K

Financial Services · Mortgage Finance · United States

https://pfsi.pennymac.com

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.

Market & Price

Market Cap

$4.35B

Current Price

$83.87

High / Low (52W)

$158.38 / $83.85

Beta

1.49

Valuation

Stock P/E

8.91

Industry PE

12.01

Forward P/E

5.88

PEG Ratio

Book Value

$83.31

Price to Book

1.01

P/S

1.31

EV/EBITDA

Dividend Yield

1.43%

Profitability & Returns

ROCE

2.96%

ROE

12.32%

ROA

1.82%

Profit Margin

15.28%

Op Margin

14.56%

EPS (Latest Qtr)

$1.53

EPS (TTM)

$9.41

Balance Sheet & Liquidity

Debt/Equity

5.98

Quick Ratio

0.44

Current Ratio

0.96

Debt

$25.88B

Total Assets

$29.39B

Current Assets

$18.44B

Working Capital

$7.68B

Ownership

Promoter Holding

34.62%

Chg in Prom Hold

FII / Inst Holding

66.86%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$29.73B

Total Revenue (TTM)

$3.32B

EBITDA

Free Cash Flow

Operating Cash Flow

$-4.06B

Shares Outstanding

51.92M

Gross Margin

87.15%

Payout Ratio

12.75%

Growth (CAGR)

Revenue 5Y

23.95%

Profit 5Y

1.76%

Revenue (YoY)

-16.60%

Earnings (YoY)

7.70%

PROS

Compounding revenue at 23.9% over 5 years.

CONS

Trading 47.0% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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. R2K	83.87	8.91	$4.35B	1.43%	2.96%	12.32%	23.95%	1.76%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

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	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 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	-	-	1.07B	931.58M	882.81M	2.21B	966.74M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	383.03M	448.14M	469.76M	500.43M	503.57M
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	686.73M	483.44M	413.06M	1.71B	463.17M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	582.53M	406.57M	176.49M	1.58B	358.48M
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	104.20M	76.86M	236.57M	133.46M	104.69M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	121.50M	95.22M	253.04M	150.68M	122.43M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	104.20M	76.44M	236.37M	134.41M	104.69M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.92M	-60.02M	54.87M	27.57M	22.37M
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	-	-	76.28M	136.46M	181.50M	106.83M	82.32M
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	-	-	1.42	2.54	3.37	1.97	1.53

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	-	2.32B	2.64B	2.85B	4.42B
Cost of Revenue	-	-	-	-	-	-	1.01B	1.20B	1.48B	1.80B
Gross Profit	-	-	-	-	-	-	1.31B	1.45B	1.37B	2.62B
Operating Expenses	-	-	-	-	-	-	618.27M	1.10B	966.75M	2.07B
Operating Income	-	-	-	-	-	-	688.69M	346.40M	402.62M	551.42M
EBITDA	-	-	-	-	-	-	738.93M	416.42M	472.28M	620.77M
Interest Expense	-	-	-	-	-	-	-	-	-	-
Pretax Income	-	-	-	-	-	-	665.25M	183.63M	401.03M	551.42M
Tax Provision	-	-	-	-	-	-	189.74M	38.98M	89.60M	50.34M
Net Income	66.08M	100.76M	87.69M	392.96M	1.65B	-	475.51M	144.66M	311.42M	501.08M
Diluted EPS	2.94	4.03	2.59	4.89	20.92	-	8.50	2.74	5.84	9.30

Compounded Sales Growth

5 Years:	23.95%
1 Year:	-16.60%

Compounded Profit Growth

5 Years:	1.76%
1 Year:	7.70%

Stock Price Performance

1 Year:	-11.57%
6 Months:	-36.83%
3 Months:	-8.45%
1 Month:	-5.62%

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	-	16.82B	18.84B	26.09B	29.39B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.47B	11.27B	16.12B	18.44B
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.33B	938.37M	238.48M	301.68M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	116.69M	132.26M	164.23M	141.87M
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	-	13.35B	15.31B	22.26B	25.08B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.58B	5.49B	10.32B	10.76B
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	-	-	8.71B	9.73B	11.87B	14.27B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11.72B	13.49B	20.55B	23.06B
Total Equity	1.06B	1.40B	-	-	-	469.41M	-	-	-	1.65B	-	-	-	-	-	-	3.47B	3.54B	3.83B	4.31B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	49.99M	50.18M	51.38M	52.06M

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	-	6.03B	-1.58B	-4.53B	-1.65B
Investing Cash Flow	-34.74M	-339.23M	-322.61M	148.78M	783.03M	-	-721.58M	-273.29M	-1.89B	552.49M
Financing Cash Flow	967.16M	1.16B	-132.03M	2.13B	5.76B	-	-4.32B	1.47B	5.72B	1.16B
Capital Expenditure	-21.85M	-6.79M	-13.42M	-6.12M	-10.67M	-	-83.09M	-36.17M	-22.10M	-51.20M
Free Cash Flow	-960.18M	-890.20M	558.98M	-2.25B	-6.21B	-	5.95B	-1.62B	-4.56B	-1.70B
Net Change in Cash	-	-	-	-	-	-	988.45M	-390.17M	-699.89M	63.20M
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 %	-	-	-	-	-	-	56.3%	54.7%	48.1%	59.3%
Operating Margin %	-	-	-	-	-	-	29.7%	13.1%	14.1%	12.5%
Net Margin %	2,001.2%	2,735.7%	947.7%	4,425.3%	24,445.4%	-	20.5%	5.5%	10.9%	11.3%
ROE %	4.7%	21.5%	5.3%	-	-	-	13.7%	4.1%	8.1%	11.6%
ROCE %	-	-	-	-	-	-	5.6%	2.6%	2.6%	3.0%

Shareholding Pattern

Insiders

34.62%

Institutions

66.86%

Public Float

102.26%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	MFN Partners Management, LP	8.73%	4.53M	$380.08M
2	T. Rowe Price Investment Management, Inc.	6.93%	3.60M	$302.00M
3	Millennium Management Llc	4.59%	2.39M	$200.09M
4	Blackrock Inc.	4.24%	2.20M	$184.82M
5	Dimensional Fund Advisors LP	3.69%	1.92M	$160.72M
6	Vanguard Portfolio Management LLC	3.19%	1.66M	$139.06M
7	Donald Smith & Co., Inc.	2.64%	1.37M	$115.09M
8	Vanguard Capital Management LLC	2.49%	1.29M	$108.41M
9	Citadel Advisors Llc	2.23%	1.16M	$97.13M
10	State Street Corporation	1.65%	857.15K	$71.89M

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PFSI · Financial Services