PennyMac Financial Services, Inc.
New York Stock ExchangeTotal Valuation
PennyMac Financial Services, Inc. carries a market capitalization of 4.34B, placing it among publicly traded companies globally. Its enterprise value stands at 29.61B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 4.34B |
| Enterprise Value | 29.61B |
Share Statistics
PennyMac Financial Services, Inc. currently has 51.92M shares outstanding.
| Shares Outstanding | 51.92M |
| 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 8.94. The price-to-sales ratio is 0.91, and the price-to-book ratio stands at 1.06.
| PE Ratio | 8.94 |
| PS Ratio | 0.91 |
| PB Ratio | 1.06 |
| P/TBV Ratio | -0.76 |
| P/FCF Ratio | -1.17 |
| P/OCF Ratio | -1.12 |
Enterprise Valuation
The EV/Sales ratio of 5.93 reflects the premium investors are willing to pay for the company's revenue stream, while the EV/EBIT multiple of 53.67 provides insight into valuation relative to core operating earnings.
| EV / Sales | 5.93 |
| EV / EBITDA | 47.65 |
| EV / EBIT | 53.67 |
| EV / FCF | N/A |
Financial Position
PennyMac Financial Services, Inc. maintains a current ratio of 1.71, meaning it holds 1.7x the short-term assets needed to cover near-term liabilities.
| Current Ratio | 1.71 |
| Quick Ratio | 1.62 |
| Debt / Equity | 594.70 |
| Debt / EBITDA | 41.40 |
| Interest Coverage | N/A |
Financial Efficiency
PennyMac Financial Services, Inc. posts a return on equity of 12.50 and a return on invested capital of 1.86.
| Return on Equity (ROE) | 12.50 |
| Return on Assets (ROA) | 1.82 |
| Return on Invested Capital (ROIC) | 1.86 |
| Return on Capital Employed (ROCE) | 1.95 |
| 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 44.79M in income taxes, reflecting an effective tax rate of 8.12.
| Income Tax | 44.79M |
| Effective Tax Rate | 8.12 |
Stock Price Statistics
PennyMac Financial Services, Inc.'s stock has declined approximately -12.48297% over the past 52 weeks. The 50-day moving average sits at 87.76, while the 200-day moving average is 110.37.
| Beta (5Y) | N/A |
| 52-Week Price Change | -12.48297% |
| 50-Day Moving Average | 87.76 |
| 200-Day Moving Average | 110.37 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, PennyMac Financial Services, Inc. generated 5.00B in revenue and converted that into 507.12M in net income, yielding earnings per share of 9.41. EBITDA reached 621.38M, while operating income came in at 551.59M.
| Revenue | 5.00B |
| Gross Profit | 3.07B |
| Operating Income | 551.59M |
| Pretax Income | 551.91M |
| Net Income | 507.12M |
| EBITDA | 621.38M |
| EBIT | 551.59M |
| Earnings Per Share (EPS) | 9.41 |
Balance Sheet
PennyMac Financial Services, Inc. holds 653.73M in cash and equivalents against 25.73B in total debt, resulting in a net debt position of 25.51B. Total book value stands at 4.28B, with working capital of 8.53B providing operational flexibility.
| Cash & Cash Equivalents | 653.73M |
| Total Debt | 25.73B |
| Net Debt | 25.51B |
| Equity (Book Value) | 4.28B |
| Book Value Per Share | 82.47 |
| Working Capital | 8.53B |
Cash Flow
PennyMac Financial Services, Inc. produced -4.06B in operating cash flow over the past twelve months. After subtracting -20.23M in capital expenditures, free cash flow totaled -4.08B - equivalent to -78.64 per share.
| Operating Cash Flow | -4.06B |
| Capital Expenditures | -20.23M |
| Free Cash Flow | -4.08B |
| FCF Per Share | -78.64 |
Margins
PennyMac Financial Services, Inc. operates with a gross margin of 61.53, reflecting its pricing power and cost economics. The operating margin of 11.04 and net profit margin of 10.15 provide insight into operational efficiency.
| Gross Margin | 61.53 |
| Operating Margin | 11.04 |
| Pretax Margin | 11.05 |
| Profit Margin | 10.15 |
| EBITDA Margin | 12.44 |
Dividends & Yields
The company's payout ratio of 12.45 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.22 |
| Dividend Yield | N/A |
| Payout Ratio | 12.45 |
| Shareholder Yield | -81.39 |
| FCF Yield | -85.78 |
Scores
PennyMac Financial Services, Inc. posts an Altman Z-Score of 1.16, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 1.16 |