PennyMac Financial Services, Inc.

As of June 30, 2026, PennyMac Financial Services, Inc. carries a market capitalization of 3.90B, placing it among publicly traded companies globally. Its enterprise value stands at 23.97B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

PennyMac Financial Services, Inc.'s next confirmed earnings release is scheduled for October 29, 2026.

As of June 30, 2026, PennyMac Financial Services, Inc. has 51.94M shares outstanding.

As of June 30, 2026, PennyMac Financial Services, Inc. trades at a trailing price-to-earnings ratio of 11.34. The price-to-sales ratio is 0.88, and the price-to-book ratio stands at 1.03.

As of June 30, 2026, PennyMac Financial Services, Inc. trades at an EV/EBITDA multiple of 47.51 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 5.44 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 54.10 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. These enterprise value multiples are built on an enterprise value of 23.97B versus a market cap of 3.90B, with the gap driven by net debt and cash on the balance sheet.

As of June 30, 2026, PennyMac Financial Services, Inc. maintains a current ratio of 1.77, meaning it holds 1.8x the short-term assets needed to cover near-term liabilities.

Over the twelve months ended June 30, 2026, PennyMac Financial Services, Inc. posted a return on equity (ROE) of 9.38, showing how much profit the company earns on every dollar of shareholder capital. Return on invested capital (ROIC) comes in at 1.48 - the clearest signal of whether the business earns more on its capital than that capital costs, and the core measure of a durable competitive advantage. Return on assets (ROA) stands at 1.45, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 1.55, useful for judging operating efficiency across full business cycles. The company generates approximately 937,866.82 in revenue per employee across its workforce of 4,700.00, a quick read on workforce productivity versus industry peers.

Over the twelve months ended June 30, 2026, PennyMac Financial Services, Inc. recorded 100.32M in income tax expense. That works out to an effective tax rate of 22.61, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 443.77M, leaving 343.45M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

As of the close on October 22, 2026, PennyMac Financial Services, Inc.'s stock has declined approximately 50.45% over the past 52 weeks. The 50-day moving average sits at 59.14, while the 200-day moving average is 74.39.

Over the twelve months ended June 30, 2026, PennyMac Financial Services, Inc. generated 4.41B in revenue and converted that into 343.45M in net income, yielding earnings per share of 6.38. EBITDA reached 504.62M, while operating income came in at 443.12M.

As of June 30, 2026, PennyMac Financial Services, Inc. holds 655.27M in cash and equivalents against 20.73B in total debt, resulting in a net debt position of 20.55B. Total book value stands at 3.80B, with working capital of 6.88B providing operational flexibility.

PennyMac Financial Services, Inc. produced -1.56B in operating cash flow over the twelve months ended June 30, 2026. After subtracting -19.52M in capital expenditures, free cash flow totaled -1.58B - equivalent to -30.47 per share.

Over the twelve months ended June 30, 2026, PennyMac Financial Services, Inc. posted a gross margin of 59.83, reflecting its pricing power and cost economics. The operating margin of 10.05 and net profit margin of 7.79 provide insight into operational efficiency.

Over the twelve months ended June 30, 2026, PennyMac Financial Services, Inc. paid dividends of 1.07 per share. The dividend payout ratio of 16.11 indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield is negative at -39.22: the business is consuming cash rather than generating it, so any dividend is not covered by free cash flow. Total shareholder yield is negative at -38.01, meaning PennyMac Financial Services, Inc. raised more capital through share issuance and new debt than it returned via dividends and buybacks.

As of June 30, 2026, PennyMac Financial Services, Inc. has an Altman Z-Score of 1.26, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.