PennyMac Financial Services, Inc. Financial Ratios — PFSI

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	106.74	123.16	8.67	19.32	19.48	21.38	24.67	8.26	21.15	60.43	29.48	13.8	4.13	8.45	12.31
Return on Assets (%)	10.16	21.1	1.19	1.8	1.57	1.53	1.61	1.18	4.44	7.88	3.98	2.67	0.81	1.39	1.81
Return on Capital (%)	11.13	18.03	-9.2	-4.9	-3.92	-3.15	0.43	0.95	5	8.35	4.21	2.92	0.9	1.5	1.94
Return on Invested Capital (%)	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
Gross Margin (%)	54.95	72.24	66.79	59.45	58.85	58	52.58	50.25	53.09	70.01	59.94	56.3	54.65	48.11	59.26
EBITDA Margin (%)	31.81	48.03	52.37	50.47	55.88	67.97	57.15	24.67	33.02	57.65	39.4	31.83	15.75	16.59	14.04
Operating Margin (%)	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
Incremental Operating Margin (%)	-246.88	52.79	48.1	33.73	22.36	44.04	-70.86	-119.92	48.26	75.29	223.79	54.2	-105.88	27.86	9.45
Pretax Margin (%)	19.17	43.35	44.9	42.33	35.88	37.78	31.09	23.54	31.52	56.69	38.19	28.66	6.94	14.09	12.47
Profit Margin (%)	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
Net Income to Common Margin (%)	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
Effective Tax Rate (%)	- -	- -	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
Dvd Payout Ratio (%)	- -	13.39	- -	- -	- -	- -	- -	2.51	2.47	1.88	5.27	11.49	28.65	16.75	12.48
Sustainable Growth Rate (%)	106.74	106.67	8.67	19.32	19.48	21.38	24.67	8.05	20.63	59.29	27.93	12.22	2.94	7.04	10.78

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	174	840	1,042	1,192	1,644	2,978	5,044	4,877	7,121	26,895	13,989	11,716	13,495	20,554	23,060
ST Debt	78	394	472	822	1,167	1,735	2,382	1,934	4,141	9,655	7,293	3,001	3,764	8,685	8,794
LT Debt	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
Total Debt/EBITDA	7.13	6.41	4.91	4.48	3.78	4.32	8.17	17.38	12.84	11.8	9.98	15.85	32.41	43.52	37.15
Net Debt/EBITDA	6.46	6.31	4.76	4.19	3.72	4.28	8.11	17.19	12.39	11.52	9.65	14.06	30.15	43.02	36.66
Total Debt/EBIT	11.84	7.1	5.72	5.34	5.89	7.77	15.02	18.22	13.45	12	10.29	17.01	38.96	51.05	41.82
Net Debt/EBIT	10.72	7	5.55	5	5.8	7.69	14.9	18.02	12.98	11.72	9.96	15.08	36.25	50.46	41.27
EBITDA to Interest Expense	13.01	16.64	12.74	7.14	6.34	6.49	4.27	1.94	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	11.28	16.21	0.59	3.38	0.62	6.28	2.99	0.27	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	7.84	15.02	10.92	5.99	4.07	3.61	2.32	1.85	- -	- -	- -	- -	- -	- -	- -
Interest Expense	2	8	17	37	69	106	145	145	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.52	19.78	10.57	8.54	7.73	6.77	6.37	22.11	20.2	10.73	18.21	20.63	18.78	14.68	14.66
Long-Term Debt/Equity (%)	77.72	170.6	90.66	45.74	44.91	88.84	154.81	177.93	144.55	508.65	195.89	251.06	274.99	309.91	331.07
Long-Term Debt/Capital (%)	32.33	40.53	34.13	18.47	17.63	28.4	39.36	45.06	32.45	56.93	38.47	57.38	57.13	48.67	52.12
Long-Term Debt/Total Assets (%)	33.29	53.66	36	14.73	13.61	24.22	36.13	39.35	29.2	54.56	35.66	51.8	51.64	45.5	48.54
Total Debt/Equity (%)	140.42	320.95	165.61	147.6	154.73	212.84	293.3	294.87	345.42	793.5	409.23	337.52	381.36	536.7	535.16
Total Debt/Capital (%)	58.41	76.24	62.35	59.61	60.74	68.03	74.57	74.68	77.55	88.81	80.36	77.14	79.23	84.29	84.26
Total Debt/Total Assets (%)	60.15	100.95	65.76	47.53	46.89	58.01	68.45	65.21	69.78	85.12	74.5	69.64	71.61	78.79	78.46
Net Debt to Equity	127.13	316.24	160.74	138.15	152.35	210.62	291.09	291.62	333.4	774.65	395.97	299.25	354.84	530.47	528.16
Net Debt/Capital (%)	55.97	75.98	61.65	58.01	60.07	67.44	74.2	74.39	75.97	88.25	79.31	74.95	78.01	84.14	84.08
EBITDA	24	131	212	266	435	689	618	281	555	2,279	1,402	739	416	472	621
EBITDA-CapEx	21	128	10	126	43	667	432	40	321	2,243	1,394	728	415	471	609
Operating Income (Loss)	15	118	182	223	279	383	336	268	529	2,241	1,359	689	346	403	551

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.47	0.55	0.46	0.07	0.03	0.04	0.06	0.06	0.04	0.05	0.04	0.29	0.17	0.06	0.07
Current Ratio	3.54	5.63	2.64	1.25	1.01	1.3	1.64	1.49	1.31	2.56	1.65	2.29	2.05	1.56	1.71
Quick Ratio	1.31	1.11	0.81	0.2	0.24	0.23	0.48	0.46	1.21	2.47	1.55	2.11	1.89	1.47	1.62
CFO/Avg Current Liab	-2.18	-3.27	-0.4	-0.69	0.03	-0.43	-0.33	0.2	-0.56	-0.77	0.26	0.92	-0.31	-0.57	-0.16
Common Equity/Total Assets	9.52	19.78	10.57	8.54	7.73	6.77	6.37	22.11	20.2	10.73	18.21	20.63	18.78	14.68	14.66
Long-Term Debt/Equity (%)	77.72	170.6	90.66	45.74	44.91	88.84	154.81	177.93	144.55	508.65	195.89	251.06	274.99	309.91	331.07
Long-Term Debt/Capital (%)	32.33	40.53	34.13	18.47	17.63	28.4	39.36	45.06	32.45	56.93	38.47	57.38	57.13	48.67	52.12
Long-Term Debt/Total Assets (%)	33.29	53.66	36	14.73	13.61	24.22	36.13	39.35	29.2	54.56	35.66	51.8	51.64	45.5	48.54
Total Debt/Equity (%)	140.42	320.95	165.61	147.6	154.73	212.84	293.3	294.87	345.42	793.5	409.23	337.52	381.36	536.7	535.16
Total Debt/Capital (%)	58.41	76.24	62.35	59.61	60.74	68.03	74.57	74.68	77.55	88.81	80.36	77.14	79.23	84.29	84.26
Total Debt/Total Assets (%)	60.15	100.95	65.76	47.53	46.89	58.01	68.45	65.21	69.78	85.12	74.5	69.64	71.61	78.79	78.46
CFO/Total Liabilities	-45.18	-54.01	-10.3	-34.07	2.18	-25.13	-15.64	9.83	-27.57	-21.98	16.69	45.19	-10.34	-20.37	-6.59
CFO/CapEx	-23.06	-91.41	-0.49	-4.13	0.14	-42.66	-4.77	2.37	-9.61	-171.51	324.48	541	-1,141.57	-2,643.31	-138.58
Altman's Z-Score	1.55	1.84	1.83	1.11	0.97	1.03	0.98	1.07	1.07	1.31	1.47	1.67	1.52	1.09	1.25

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	7.72	13.57	19.35	22.09	33.51	53.48	48.29	37.55	41.16	41.64	21.64	15.27	21.25	19.2	28.88
Days Sales Outstanding	47.29	26.9	18.86	16.53	10.89	6.82	7.56	9.72	8.87	8.77	16.87	23.9	17.18	19.01	12.64
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	1.77	1.24	0.77	0.66	0.61	0.68	0.95	1.18	1.74	2.35	2.44	1.78	1.98	2.6	2.91
Accounts Payable Turnover Days	206.08	293.96	473.28	549.61	593.88	539.16	383.27	309.5	209.39	155.13	149.52	205.15	184.29	140.21	125.37
Cash Conversion Cycle	-158.79	-267.06	-454.42	-533.09	-582.98	-532.34	-375.71	-299.78	-200.52	-146.36	-132.65	-181.25	-167.11	-121.2	-112.73
Inventory to Cash Days	47.29	26.9	18.86	16.53	10.89	6.82	7.56	9.72	8.87	8.77	16.87	23.9	17.18	19.01	12.64
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	365	373	338	373	526	1,648	2,673	4,653	3,968	2,832	4,434	5,248	6,864
- Cash & Cash Equivalents	16	12	31	76	12	8	17	47	136	533	340	1,329	938	238	302
+ Preferred Equity and Hybrid Capital	96	97	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	462	593	792	1,052	1,250	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	174	840	1,042	1,192	1,644	2,978	5,044	4,877	7,121	26,895	13,989	11,716	13,495	20,554	23,060
Enterprise Value	238	872	1,696	2,060	2,715	4,310	6,633	6,359	9,583	31,000	17,610	13,207	16,980	25,142	29,212
Total Capital	298	1,102	1,671	1,999	2,706	4,378	6,763	6,530	9,182	30,284	17,407	15,187	17,033	24,383	27,369
Total Debt/Capital (%)	58.41	76.24	62.35	59.61	60.74	68.03	74.57	74.68	77.55	88.81	80.36	77.14	79.23	84.29	84.26
Total Debt / EV	0.73	0.96	0.61	0.58	0.61	0.69	0.76	0.77	0.74	0.87	0.79	0.89	0.79	0.82	0.79
EV/Sales	3.1	3.19	4.18	3.91	3.49	4.25	6.14	5.59	5.71	7.84	4.95	5.69	6.42	8.83	6.61
EV/EBITDA	9.75	6.65	7.98	7.75	6.25	6.25	10.74	22.66	17.28	13.6	12.56	17.87	40.78	53.24	47.06
EV/EBIT	16.18	7.37	9.31	9.24	9.72	11.25	19.75	23.75	18.1	13.83	12.96	19.18	49.02	62.45	52.98
EV/Cash Flow to Firm	- -	- -	- -	- -	23.83	- -	- -	9.03	- -	- -	6.87	2.19	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	14.15	- -	5.37	- -	- -	6.73	- -	- -	6.85	2.19	- -	- -	- -
Diluted Market Cap	- -	- -	1,332	1,314	1,169	1,276	559	751	2,760	5,166	4,708	3,170	4,660	5,450	7,104
Diluted Enterprise Value	254	925	2,805	3,023	3,593	5,299	6,836	5,580	9,745	31,528	18,357	13,557	17,216	25,765	29,862
EV per Share	21.41	78.46	81.48	95.48	123.46	192.19	281.89	82.06	122.06	437.2	309.67	264.21	338.4	489.37	561.1
TTM Sales	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
TTM EBITDA	24	131	212	266	435	689	618	281	555	2,279	1,402	739	416	472	621
TTM Operating Income	15	118	182	223	279	383	336	268	529	2,241	1,359	689	346	403	551
TTM Cash Flow to Firm	-73	-300	-83	-546	114	-845	-749	704	-2,245	-6,199	2,563	6,033	-1,582	-4,533	-1,652
TTM Free Cash Flow to Firm	-70	-297	120	-406	506	-823	-564	946	-2,012	-6,163	2,571	6,044	-1,581	-4,532	-1,640

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	12.79	-2.99	2.63	-1.39	-0.8	0.92	-1.37	-0.84	1.83	0.52	-2.95	-1.2	-4.33
EV/EBIT	16.18	7.37	9.31	9.24	9.72	11.25	19.75	23.75	18.1	13.83	12.96	19.18	49.02	62.45	52.98
Enterprise Value	238	872	1,696	2,060	2,715	4,310	6,633	6,359	9,583	31,000	17,610	13,207	16,980	25,142	29,212
Low Price	- -	- -	15.75	13.83	15.19	10.48	15.65	18.77	20.22	13.14	55.11	38.53	54	81.93	85.74
EV/Sales	3.1	3.19	4.18	3.91	3.49	4.25	6.14	5.59	5.71	7.84	4.95	5.69	6.42	8.83	6.61
EV/EBITDA	9.75	6.65	7.98	7.75	6.25	6.25	10.74	22.66	17.28	13.6	12.56	17.87	40.78	53.24	47.06
Price/Earnings	- -	- -	21.1	9.98	7.08	5.58	5.15	8.13	6.8	2.99	4.44	6.32	30.53	16.72	13.61
Price/Earnings Average	- -	- -	22.47	9.31	8	4.8	4.08	8.15	5.19	1.98	4.01	5.94	23.53	15.77	11.25
Price/Earnings High	- -	- -	28.05	10.83	9.07	6.49	5.17	9.63	6.94	3.19	4.55	7.97	32.3	19.51	14.2
Price/Earnings Low	- -	- -	18.93	7.98	7	3.51	3.6	7.18	4.04	0.6	3.5	4.3	18.66	13.41	8.85
Price/Book Value	- -	- -	2.18	1.74	1.25	1.08	1.12	1	1.3	1.37	1.16	0.82	1.25	1.37	1.59
Price/Book Value Average	- -	- -	2.32	1.63	1.41	0.92	0.89	1	0.99	0.91	1.05	0.77	0.97	1.29	1.32
Price/Book Value High	- -	- -	2.9	1.89	1.6	1.25	1.13	1.18	1.32	1.46	1.19	1.03	1.33	1.6	1.66
Price/Book Value Low	- -	- -	1.96	1.39	1.23	0.68	0.78	0.88	0.77	0.27	0.92	0.55	0.77	1.1	1.04
Price/Tangible Book Value	- -	- -	-1.15	-0.72	-0.3	-0.29	-0.31	-1.37	-2.88	6.4	-6.97	-1.07	-1.2	-1.04	-1.27
Price/Tangible Book Value Average	- -	- -	-1.23	-0.67	-0.33	-0.25	-0.25	-1.37	-2.2	4.23	-6.3	-1.01	-0.92	-0.98	-1.05
Price/Tangible Book Value High	- -	- -	-1.53	-0.78	-0.38	-0.34	-0.32	-1.62	-2.94	6.83	-7.14	-1.35	-1.26	-1.22	-1.33
Price/Tangible Book Value Low	- -	- -	-1.03	-0.58	-0.29	-0.18	-0.22	-1.21	-1.71	1.28	-5.51	-0.73	-0.73	-0.84	-0.83
Price/Sales	- -	- -	0.75	0.7	0.43	0.36	0.48	0.63	1.59	1.25	1.25	1.3	1.67	1.83	1.54
Price/Sales Average	- -	- -	0.8	0.65	0.49	0.31	0.38	0.63	1.21	0.82	1.13	1.22	1.29	1.73	1.28
Price/Sales High	- -	- -	1	0.76	0.55	0.42	0.48	0.74	1.62	1.33	1.28	1.63	1.77	2.13	1.61
Price/Sales Low	- -	- -	0.67	0.56	0.42	0.23	0.34	0.55	0.94	0.25	0.99	0.88	1.02	1.47	1
Price/Cash Flow	- -	- -	-3.09	-0.63	6.29	-0.39	-0.59	1.25	-1.19	-0.8	1.74	0.5	-2.79	-1.15	-4.13
Price/Cash Flow Average	- -	- -	-3.29	-0.59	7.11	-0.34	-0.46	1.25	-0.91	-0.53	1.57	0.47	-2.15	-1.08	-3.41
Price/Cash Flow High	- -	- -	-4.1	-0.69	8.06	-0.46	-0.59	1.48	-1.21	-0.85	1.78	0.63	-2.95	-1.34	-4.31
Price/Cash Flow Low	- -	- -	-2.77	-0.51	6.22	-0.25	-0.41	1.1	-0.71	-0.16	1.37	0.34	-1.71	-0.92	-2.68
Price/Free Cash Flow Average	- -	- -	13.63	-2.79	2.97	-1.2	-0.63	0.93	-1.05	-0.55	1.66	0.49	-2.27	-1.13	-3.58
Price/Free Cash Flow High	- -	- -	17.01	-3.25	3.37	-1.62	-0.8	1.09	-1.4	-0.89	1.88	0.66	-3.12	-1.4	-4.52
Price/Free Cash Flow Low	- -	- -	11.48	-2.39	2.6	-0.88	-0.56	0.82	-0.81	-0.17	1.45	0.36	-1.8	-0.96	-2.82
EV/Sales Average	3.31	3.39	4.59	3.9	3.61	4.28	6.19	5.7	5.37	7.45	4.84	5.62	6.04	8.88	6.43
EV/Sales High	3.31	3.39	4.83	4.01	3.67	4.4	6.3	5.96	5.78	7.93	4.98	6.01	6.52	9.29	6.77
EV/Sales Low	3.31	3.39	4.44	3.81	3.54	4.2	6.15	5.52	5.1	6.91	4.72	5.3	5.77	8.62	6.16
EV/EBITDA Average	10.41	7.06	8.77	7.74	6.45	6.3	10.84	23.09	16.27	12.92	12.29	17.66	38.36	53.5	45.8
EV/EBITDA High	10.41	7.06	9.22	7.95	6.57	6.47	11.02	24.17	17.51	13.75	12.63	18.89	41.42	55.97	48.19
EV/EBITDA Low	10.41	7.06	8.48	7.55	6.34	6.18	10.76	22.39	15.46	11.98	11.97	16.66	36.66	51.93	43.85
EV/EBIT Average	17.27	7.82	10.22	9.22	10.05	11.34	19.93	24.21	17.04	13.14	12.68	18.95	46.11	62.75	51.56
EV/EBIT High	17.27	7.82	10.75	9.48	10.23	11.63	20.26	25.34	18.35	13.98	13.03	20.27	49.79	65.66	54.26
EV/EBIT Low	17.27	7.82	9.89	9	9.88	11.11	19.78	23.47	16.19	12.18	12.35	17.88	44.07	60.91	49.37
Last Price	- -	- -	17.55	17.3	15.36	16.65	22.35	21.26	34.04	65.62	69.78	56.66	88.37	102.14	131.84
High Price	- -	- -	23.33	18.77	19.69	19.35	22.45	25.2	34.74	70	71.52	71.45	93.5	119.13	137.53
Enterprise Value Average	254	925	1,862	2,057	2,805	4,344	6,693	6,481	9,024	29,437	17,237	13,047	15,974	25,265	28,431
Enterprise Value High	254	925	1,959	2,114	2,857	4,457	6,805	6,782	9,713	31,325	17,716	13,959	17,248	26,436	29,918
Enterprise Value Low	254	925	1,801	2,007	2,758	4,258	6,645	6,284	8,573	27,294	16,783	12,313	15,266	24,524	27,222

Shares Outstanding	11	11	21	22	22	22	24	77	79	71	57	50	50	51	52
Diluted Weighted Avg Shares	11	11	76	76	76	77	25	35	81	79	67	56	53	53	54
Basic Weighted Avg Shares	11	11	17	21	22	22	23	34	78	75	64	53	50	51	52
Revenue per Share	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
EBITDA per Share	2.19	11.8	12.27	12.51	19.98	31.1	26.62	8.37	7.07	30.32	21.98	13.93	8.33	9.26	12
Operating Income per Share	1.32	10.65	10.52	10.5	12.83	17.29	14.48	7.99	6.75	29.81	21.31	12.98	6.93	7.9	10.66
Basic EPS, GAAP	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
Basic EPS from Cont Ops	1.32	10.65	9.95	9.24	11.38	15.21	13.43	7.29	5.01	21.91	15.73	8.96	2.89	6.11	9.69
Diluted EPS, GAAP	1.32	10.65	0.19	0.49	0.62	0.86	4.03	2.48	4.85	20.92	14.87	8.5	2.74	5.84	9.3
Diluted EPS from Cont Ops	1.32	10.65	2.27	2.58	3.25	4.4	12.46	6.92	4.85	20.92	14.87	8.5	2.74	5.84	9.3
Dividend per Share	- -	1.43	- -	- -	- -	- -	- -	0.3	0.12	0.41	0.83	1.03	0.83	1.02	1.21
Cash Flow per Share	-6.72	-27.72	-5.68	-27.24	2.44	-42.34	-38.08	17.07	-28.61	-82.48	40.17	113.7	-31.66	-88.91	-31.94
Free Cash Flow per Basic Share	-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
Cash & Equivalents per Share	2.93	5.89	8.32	4.54	2.64	4.17	7.95	2.13	2.68	7.73	6.1	26.82	18.91	12.83	13.67
Book Value per Share	2.48	14.81	8.04	9.92	12.32	15.49	19.95	21.34	26.26	47.8	60.11	69.44	70.52	74.54	82.77
Tangible Book Value per Share	-0.46	4.93	-15.23	-23.98	-52.03	-57.59	-71.22	-15.57	-11.82	10.25	-10.01	-52.81	-73.93	-98.01	-103.69

PennyMac Financial Services, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)