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PennyMac Financial Services, Inc.

PFSI

$77.39 ▲ +0.29 (+0.38%) at close

10 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

PennyMac Financial Services, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $4.0B

Dividend Yield 1.55%

Revenue Growth 28.4% ↗

Op. Margin 26.9% ↗

ROIC None

FCF / Share None

Trailing P/E 8.0x

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.05B

↑ +28.4% —

Net Income Profit after all expenses

$501.08M

↑ +60.9% —

Operating Margin Operating profit as % of sales

26.9%

↑ +7.1% 83th

Long-Term Debt Long-term obligations

$6.23B

↑ +18.6% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.20 Latest / share

+20.0% YoY

+44.2% 4-yr CAGR

FY 2016

FY 2017

$0.40

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

$0.80

FY 2023

$1.00

FY 2024

$1.20

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Mar 31, 2017 10-K ↗
Revenue Growth YoY (%)	28.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+374%)	13.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+128%)	-29.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-590%)	-37.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-722%)	-14.5% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-342%)	150.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2414%)	—	—	—	—
EPS Growth YoY (%)	58.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	111.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-67.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-43.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-28.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	336.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	91.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-39.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	45.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	60.9% Excellent ↑ Excellent Improving Year-over-year change in net income	115.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-69.6% Weak ↓ Weak Declining Year-over-year change in net income	-52.6% Weak ↓ Weak Declining Year-over-year change in net income	-39.1% Weak ↓ Weak Declining Year-over-year change in net income	319.1% Excellent ↑ Excellent Improving Year-over-year change in net income	348.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.0% Weak Weak Year-over-year change in net income	52.5% Excellent Excellent Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	1.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-20.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-27.7% Weak Weak Compound annual revenue growth over 3 years	10.4% Good Good Compound annual revenue growth over 3 years	—	—	—	—	—	—
Revenue CAGR 5Y (%)	-11.2% Weak Weak Compound annual revenue growth over 5 years	1.5% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	2.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-27.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-49.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	21.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	81.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	71.5% Excellent Excellent Compound annual EPS growth over 3 years	19.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Mar 31, 2017 10-K ↗
Operating Margin (%) (%)	26.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	25.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	13.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	33.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	42.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	60.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+142%)	35.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	—	—	—
Effective Tax Rate (%) (%)	9.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	24.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	19.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	10.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	23.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	31.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	44.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	26.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Mar 31, 2017 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	5.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%
Return on Common Equity (%) (%)	—	—	—	—	—	—	—	5.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	21.5% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+79%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Mar 31, 2017 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	2.29x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+91%)	8.08x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+573%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Mar 31, 2017 10-K ↗
Revenue per Share (USD)	$39.56	$31.26	$28.05	$37.42	$49.65	$49.30	$18.89	—	—	—
Basic EPS, GAAP (USD)	$9.69	$6.11	$2.89	$8.96	$15.73	$21.91	$5.02	$2.62	$4.34	$2.98
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.20	$1.00	$0.80	—	—	—	—	$0.40	—	—
Book Value per Share (USD)	—	—	—	—	—	—	—	$49.33	$20.23	—
Tangible Book Value per Share (USD)	—	—	—	—	—	—	—	$49.33	$20.23	—
Basic Weighted Avg Shares (shares)	51.73M	50.99M	49.98M	53.06M	63.80M	75.16M	78.21M	33.52M	23.20M	22.16M
Dividend Payout Ratio (%)	12.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	27.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	15.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Mar 31, 2017 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$6.23B	$5.25B	—	$3.75B	$3.10B	—	$1.50B	$1.57B	$1.15B	$690.48M
Total Equity (USD)	—	—	—	—	—	—	—	$1.65B	$469.41M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Mar 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$2.05B	$1.59B	$1.40B	$1.99B	$3.17B	$3.71B	$1.48B	—	—	—
Depreciation Expense (USD)	$54.39M	$55.98M	$53.21M	$34.41M	$28.64M	$25.57M	$15.02M	$12.93M	$8.39M	$5.85M
Net Income, GAAP (USD)	$501.08M	$311.42M	$144.66M	$475.51M	$1.00B	$1.65B	$392.96M	$87.69M	$100.76M	$66.08M
Operating Cash Flow (USD)	$-1.65B	$-4.53B	$-1.58B	$6.03B	$2.56B	$-6.20B	$-2.25B	$572.40M	$-883.41M	$-938.33M

🏛️ Sector-Specific 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Mar 31, 2017 10-K ↗
Net Interest Margin (approx.) (%)	-0.1%	-0.1%	-0.0%	-0.2%	-0.5%	-0.1%	0.8%	1.0%	-0.0%	-0.5%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 10 years · 36 quarters

PennyMac Financial Services, Inc.

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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