PennyMac Financial Services, Inc.
New York Stock ExchangeTotal Valuation
PennyMac Financial Services, Inc. carries a market capitalization of 4.05B, placing it among publicly traded companies globally. Its enterprise value stands at 27.46B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 4.05B |
| Enterprise Value | 27.46B |
Share Statistics
PennyMac Financial Services, Inc. currently has 51.94M shares outstanding.
| Shares Outstanding | 51.94M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
PennyMac Financial Services, Inc. trades at a trailing price-to-earnings ratio of 11.53. The price-to-sales ratio is 0.90, and the price-to-book ratio stands at 1.04.
| PE Ratio | 11.53 |
| PS Ratio | 0.90 |
| PB Ratio | 1.04 |
| P/TBV Ratio | -0.71 |
| P/FCF Ratio | -2.66 |
| P/OCF Ratio | -2.53 |
Enterprise Valuation
The EV/Sales ratio of 5.45 reflects the premium investors are willing to pay for the company's revenue stream, while the EV/EBIT multiple of 54.25 provides insight into valuation relative to core operating earnings.
| EV / Sales | 5.45 |
| EV / EBITDA | 47.64 |
| EV / EBIT | 54.25 |
| EV / FCF | N/A |
Financial Position
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.
| Current Ratio | 1.77 |
| Quick Ratio | 1.67 |
| Debt / Equity | 546.18 |
| Debt / EBITDA | 41.09 |
| Interest Coverage | N/A |
Financial Efficiency
PennyMac Financial Services, Inc. posts a return on equity of 9.38 and a return on invested capital of 1.48.
| Return on Equity (ROE) | 9.38 |
| Return on Assets (ROA) | 1.45 |
| Return on Invested Capital (ROIC) | 1.48 |
| Return on Capital Employed (ROCE) | 1.55 |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, PennyMac Financial Services, Inc. has paid 114.61M in income taxes, reflecting an effective tax rate of 22.61.
| Income Tax | 114.61M |
| Effective Tax Rate | 22.61 |
Stock Price Statistics
PennyMac Financial Services, Inc.'s stock has declined approximately -27.08158% over the past 52 weeks. The 50-day moving average sits at 81.61, while the 200-day moving average is 101.94.
| Beta (5Y) | N/A |
| 52-Week Price Change | -27.08158% |
| 50-Day Moving Average | 81.61 |
| 200-Day Moving Average | 101.94 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, PennyMac Financial Services, Inc. generated 5.04B in revenue and converted that into 392.38M in net income, yielding earnings per share of 7.29. EBITDA reached 576.51M, while operating income came in at 506.25M.
| Revenue | 5.04B |
| Gross Profit | 3.01B |
| Operating Income | 506.25M |
| Pretax Income | 507.00M |
| Net Income | 392.38M |
| EBITDA | 576.51M |
| EBIT | 506.25M |
| Earnings Per Share (EPS) | 7.29 |
Balance Sheet
PennyMac Financial Services, Inc. holds 748.62M in cash and equivalents against 23.69B in total debt, resulting in a net debt position of 23.47B. Total book value stands at 4.34B, with working capital of 7.86B providing operational flexibility.
| Cash & Cash Equivalents | 748.62M |
| Total Debt | 23.69B |
| Net Debt | 23.47B |
| Equity (Book Value) | 4.34B |
| Book Value Per Share | 83.49 |
| Working Capital | 7.86B |
Cash Flow
PennyMac Financial Services, Inc. produced -1.79B in operating cash flow over the past twelve months. After subtracting -22.30M in capital expenditures, free cash flow totaled -1.81B - equivalent to -34.80 per share.
| Operating Cash Flow | -1.79B |
| Capital Expenditures | -22.30M |
| Free Cash Flow | -1.81B |
| FCF Per Share | -34.80 |
Margins
PennyMac Financial Services, Inc. operates with 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.
| Gross Margin | 59.83 |
| Operating Margin | 10.05 |
| Pretax Margin | 10.07 |
| Profit Margin | 7.79 |
| EBITDA Margin | 11.45 |
Dividends & Yields
The company's payout ratio of 16.11 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.22 |
| Dividend Yield | N/A |
| Payout Ratio | 16.11 |
| Shareholder Yield | -37.39 |
| FCF Yield | -37.63 |
Scores
PennyMac Financial Services, Inc. posts an Altman Z-Score of 1.26, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 1.26 |