PennyMac Financial Services, Inc.

PennyMac Financial Services, Inc.

PFSI
PennyMac Financial Services, Inc.US flagNew York Stock Exchange
81.66
USD
+0.98
- -
4.24BMarket Cap
PennyMac Financial Services, Inc.
PFSI
(New York Stock Exchange)

Recent

price

81.66

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.23
6.9
24.57
23.43
24.79
35.76
45.75
46.58
33.93
21.41
52.59
55.78
43.75
52.92
55.82
85.45
96.28
Revenue per Share
2.97
1.32
10.65
0.83
1.73
2.17
2.98
4.34
2.62
5.01
21.91
15.73
8.96
2.89
6.11
9.69
9.77
Basic EPS, GAAP
-2.28
-7.02
-28.03
-17.38
-33.84
-15.57
-43.33
-46.07
9.88
-31.59
-82.96
40.05
113.49
-31.69
-88.94
-32.17
-78.64
Free Cash Flow per Basic Share
0.18
- -
1.43
- -
- -
- -
- -
- -
0.3
0.12
0.41
0.83
1.03
0.83
1.02
1.21
1.22
Dividend per Share
- -
4.02
- -
0.83
2.41
4.53
7.43
11.44
10.24
9.26
31.16
51.61
65.41
70.32
74.01
81.43
82.47
Book Value per Share
- -
-0.46
4.93
8.36
3.57
-16.21
-10.81
-18.35
-35.99
-11.83
9.67
-8.92
-49.75
-74.22
-98.76
-104.36
-114.4
Tangible Book Value per Share
11
11
11
17
21
22
22
23
34
78
75
64
53
50
51
52
52
Basic Weighted Avg Shares
69
77
273
406
527
778
1,014
1,081
1,137
1,680
3,953
3,559
2,321
2,645
2,846
4,420
4,995
Sales/Revenue/Turnover
47.73
19.17
43.35
44.9
42.33
35.88
37.78
31.09
23.54
31.52
56.69
38.2
29.67
13.1
14.14
12.47
11.04
Operating Margin (%)
1
10
13
30
43
156
306
282
13
25
38
43
50
70
70
69
70
Depreciation Expense
33
15
118
14
37
47
66
101
88
393
1,647
1,003
476
145
311
501
507
Net Income, GAAP
- -
- -
- -
5.47
11.98
11.33
12.03
7.26
8.69
25.78
26.5
26.17
28.52
21.22
22.34
9.13
8.12
Effective Tax Rate (%)
47.73
19.17
43.35
3.55
6.99
6.07
6.52
9.32
7.71
23.39
41.67
28.2
20.48
5.47
10.94
11.34
10.15
Profit Margin (%)
- -
174
555
614
330
22
727
1,900
1,386
1,567
16,942
5,611
5,890
5,782
5,798
7,682
8,531
Working Capital
- -
96
447
570
369
477
1,243
2,662
2,943
2,980
17,240
6,696
8,714
9,731
11,868
14,266
15,548
LT Debt
- -
124
262
629
807
1,062
1,399
1,720
1,654
2,062
3,389
3,418
3,471
3,539
3,830
4,309
4,326
Total Equity
- -
9.87
16.91
12.42
10.7
10.52
9.48
5.55
3.56
4.73
8.11
4.1
2.87
1.59
1.43
1.85
1.86
Return on Invested Capital (%)
- -
10.52
20.15
-10.39
-5.36
-4.23
-3.31
0.45
1.07
6.01
8.88
4.31
2.93
0.9
1.51
1.94
1.95
Return on Capital (%)
- -
65.73
529.15
199.97
112.24
63.09
50.25
46.88
28.83
73.48
107.33
35.61
14.06
4.14
8.55
12.55
12.5
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
7,130
8,794
10,178
LT Borrowings
12,273
14,266
15,548
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
52
52
52
Market Capitalization
6,385
6,819
4,534

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
14,430
18,445
20,495
Cash, Cash Equivalents & STI
684
712
654
Accounts Receivable, Net
180
142
163
Inventories
- -
- -
- -
Total Current Liabilities
8,863
10,763
11,964
Payables & Accruals
1,733
1,969
1,786
ST Debt
7,130
8,794
10,178
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.49%
5.02%
12.52%
Free Cash Flow
-64.14%
-1.71%
-63.31%
Net Income, GAAP
76.16%
2.99%
60.9%
Sales/Revenue/Turnover
25.73%
6.42%
55.29%
Total Cash Common Dividend
- -
19.17%
19.92%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
500
715
629
698
2,846
2025
1,070
932
883
2,214
4,420
2026
967
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.78
1.93
1.36
2.04
6.11
2025
1.48
2.64
3.51
2.05
9.69
2026
1.58
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
0.2
0.31
0.31
1.02
2025
0.29
0.31
0.31
0.31
1.21
2026
0.3
- -
- -
- -
- -
Business
PennyMac Financial Services, Inc. PennyMac Financial Services, Inc. is a specialty financial services firm focused on the production, servicing, and investment management related to U.S. residential mortgage loans. Founded in 2008 and headquartered in Westlake Village, California, the company operates primarily through two segments—loan production and loan servicing—ranking as the second-largest originator and one of the largest servicers in the U.S. as of September 30, 2025. Its principal subsidiaries include PennyMac Loan Services, LLC, a non-bank producer and servicer approved by Fannie Mae, Freddie Mac, Ginnie Mae, FHA, VA, and USDA; and PNMAC Capital Management, LLC, which manages PennyMac Mortgage Investment Trust PennyMac Mortgage Investment Trust (NYSE: PMT), a publicly traded mortgage REIT. The loan production segment sources conventional conforming, jumbo, and government-insured or guaranteed mortgage loans through three channels: correspondent lending, where it acquires newly originated loans from small banks and independent originators; consumer direct lending, offering retail origination of prime credit quality first-lien residential loans nationally; and broker direct lending, underwriting and funding loans from nonaffiliated brokers for sale to PMT or investors. The loan servicing segment handles administration, collection, default management, customer inquiries, escrow for taxes and insurance, delinquent borrower counseling, foreclosures, property dispositions, and loss mitigation including modifications and forbearances, with a portfolio of $716.6 billion in unpaid principal balance as of September 30, 2025. Investment management generates fees from overseeing PMT's mortgage-related assets, providing a capital-light partnership that reduces balance sheet needs. Recent developments include the sale of a $12 billion unpaid principal balance mortgage servicing rights portfolio to Annaly Capital Management, Inc. Annaly Capital Management, Inc., retaining subservicing and recapture rights to bolster its capital-light subservicing business; a renewed mortgage banking services agreement with PMT effective July 1, 2025, under which PFSI initially acquires correspondent production volumes with PMT retaining purchase rights up to 100% of non-government loans; and designation as the Official Mortgage Supporter of the 2026 and 2028 U.S. Olympic and Paralympic Teams. These moves support portfolio growth amid production volumes offsetting prepayments, with correspondent acquisitions of $3.3 billion in conventional conforming and jumbo loans fulfilled to PMT in Q3 2025. The company maintains operations nationwide, serving consumers, brokers, correspondents, and investors in the U.S. mortgage market.

Company News

MCPAPIChat
  • ROSEN, NATIONAL TRIAL ATTORNEYS, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • Rosen Law Firm Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • PFSI Investor News: If You Have Suffered Losses in PennyMac Financial Services, Inc. (NYSE: PFSI), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • PFSI Investor News: If You Have Suffered Losses in PennyMac Financial Services, Inc. (NYSE: PFSI), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • ROSEN, A LEADING INVESTOR RIGHTS LAW FIRM, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • PennyMac Investigation: PennyMac (PFSI) Investigated for Misrepresenting its Refinancing Issues – Contact BFA Law if You Suffered Losses

  • PennyMac Financial Services, Inc. Announces Tiffany To Has Joined Its Board of Directors

  • ROSEN, LEADING INVESTOR COUNSEL, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • PFSI Investor News: If You Have Suffered Losses in PennyMac Financial Services, Inc. (NYSE: PFSI), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • PennyMac Financial Services Chairman and CEO Sells 10,000 Shares for $880,000

  • ROSEN, HIGHLY RANKED INVESTOR COUNSEL, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • Rosen Law Firm Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • Rosen Law Firm Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • PFSI Investor News: If You Have Suffered Losses in PennyMac Financial Services, Inc. (NYSE: PFSI), You Are Encouraged to Contact The Rosen Law Firm About Your Rights

  • ROSEN, LEADING INVESTOR COUNSEL, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • ROSEN, RECOGNIZED INVESTOR COUNSEL, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • PFSI Legal Claims: PennyMac may have Misrepresented its Refinancing Issues to Investors – Contact BFA Law about its Pending Securities Fraud Investigation

  • PFSI Legal Claims: PennyMac may have Misrepresented its Refinancing Issues to Investors – Contact BFA Law about its Pending Securities Fraud Investigation

  • ROSEN, A LEADING LAW FIRM, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI

  • ROSEN, NATIONAL INVESTOR COUNSEL, Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI