8-K Announcements
6Material company update
May 5, 2026·SEC
Material company update
Mar 18, 2026·SEC
Material company update
Feb 11, 2026·SEC
PennyMac Financial Services, Inc.(PFSI)Earnings, Financials & Key Ratios
PFSI•NYSE•Banking & Credit
$87.48
$4.56B mkt cap·9.4× P/E·Price updated May 6, 2026
AboutPennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. It operates through three segments: Production, Servicing, and Investment Management. The Production segment is involved in the origination, acquisition, and sale of loans. It sources first-lien residential conventional and government-insured or guaranteed mortgage loans. The Servicing segment engages in the servicing of newly originated loans, and execution and management of early buyout transactions and servicing of loans. It performs loan administration, collection, and default management activities, including the collection and remittance of loan payments, response to customer inquiries, accounting for principal and interest, holding custodial funds for the payment of property taxes and insurance premiums, counseling delinquent borrowers, and supervising foreclosures and property dispositions, as well as administers loss mitigation activities, such as modification and forbearance programs. The Investment Management segment is involved in sourcing, performing diligence, bidding, and closing investment asset acquisitions; managing correspondent production activities for PennyMac Mortgage Investment Trust; and managing acquired assets. PennyMac Financial Services, Inc. was founded in 2008 and is headquartered in Westlake Village, California.Show more
- Net Interest Income-$36M-40.1%
- Total Revenue$4.36B+173.8%
- Net Income$501M+60.9%
- Return on Equity12.31%+45.7%
- Net Interest Margin-0.12%-24.3%
- Efficiency Ratio56.77%+38.2%
- ROA1.81%+30.3%
- Equity / Assets14.66%-0.1%
- Book Value per Share79.97+11.4%
- Tangible BV/Share-98.18-4.0%
- Debt/Equity5.35-0.3%
PFSI Key Insights
PennyMac Financial Services, Inc. (PFSI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Well capitalized: 14.7% equity/assets
- ✓Diversified revenue: 78.8% from non-interest income
- ✓Trading at only 1.1x book value
✗Weaknesses
- ✗High debt to equity ratio of 5.4x
- ✗Profits declining 21.2% over 5 years
- ✗Weak NIM of -0.1%
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
PFSI Price & Volume
PennyMac Financial Services, Inc. (PFSI) stock price & volume — 10-year historical chart
Loading chart...
PFSI Growth Metrics
PennyMac Financial Services, Inc. (PFSI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years18.82%
5 Years2%
3 Years23.42%
TTM-
Profit CAGR
10 Years26.64%
5 Years-21.18%
3 Years1.76%
TTM45.56%
EPS CAGR
10 Years15.67%
5 Years-14.97%
3 Years3.04%
TTM44.33%
Return on Capital
10 Years9.6%
5 Years6.87%
3 Years6.47%
Last Year10.44%
PFSI Recent Earnings
PennyMac Financial Services, Inc. (PFSI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 8/12 qtrs (67%)
Q1 2026Latest
Jan 29, 2026EPS
$1.97
Est $3.23
-39.0%
Revenue
$538M
Est $633M
-15.0%
Q4 2025
Oct 21, 2025EPS
$3.37
Est $2.70
+24.8%
Revenue
$633M
Est $591M
+7.0%
Q3 2025
Jul 22, 2025EPS
$1.02
Est $3.01
-66.1%
Revenue
$1.0B
Est $575M
+80.8%
Q2 2025
Apr 22, 2025EPS
$1.42
Est $2.99
-52.5%
Revenue
$810M
Est $580M
+39.6%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Jan 29, 2026 | $1.97vs $3.23-39.0% | $538Mvs $633M-15.0% |
| Q4 2025 | Oct 21, 2025 | $3.37vs $2.70+24.8% | $633Mvs $591M+7.0% |
| Q3 2025 | Jul 22, 2025 | $1.02vs $3.01-66.1% | $1.0Bvs $575M+80.8% |
| Q2 2025 | Apr 22, 2025 | $1.42vs $2.99-52.5% | $810Mvs $580M+39.6% |
Based on last 12 quarters of dataView full earnings history →
PFSI Peer Comparison
PennyMac Financial Services, Inc. (PFSI) competitors in Mortgage servicing and reverse lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 RKT | 1.99B | 14.09 | 67.10 | 34.84% | 0.54% | -1.15% | 1.55 | |
 UWMC | 724.07M | 3.43 | 28.54 | 65.83% | 0.87% | 0.92% | ||
 GHLD | 439.06M | 20.01 | 12.83 | 60.87% | 8.27% | 10.27% | 2.42 | |
 LDI | 499.19M | 1.49 | -4.97 | 37.59% | -4.08% | -14.5% | 13.05 | |
 PMT | 1.06B | 12.13 | 12.25 | 245.81% | 12.44% | 7.06% | 13.48% | 10.12 |
 TWO | 1.29B | 12.26 | -2.81 | -28.4% | -44.82% | -19.11% | 6.9% | 4.79 |
 NLY | 16.08B | 22.38 | 7.66 | 5.35% | 30.28% | 14.05% | 6.92 | |
 AGNC | 9.62B | 10.72 | 11.53 | 384.69% | 24.23% | 7.32% | 0.89% | 0.01 |
Compare PFSI vs Peers
PennyMac Financial Services, Inc. (PFSI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PFSI Income Statement
PennyMac Financial Services, Inc. (PFSI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -1.34M | -144.6M | 0 | 0 | 0 | 0 | 0 | -25.78M | -36.11M | 18.96M |
| NII Growth % | 98.74% | -10682.77% | 100% | - | - | - | - | - | -40.05% | 234.63% |
| Net Interest Margin % | -0.02% | -1.93% | 0% | 0% | 0% | 0% | 0% | -0.1% | -0.12% | 0.06% |
| Interest Income | 143.18M | 0 | 0 | 0 | 0 | 0 | 0 | 793.57M | 924.45M | 720.81M |
| Interest Expense | 144.52M | 144.6M | 0 | 0 | 0 | 0 | 0 | 819.35M | 960.55M | 743.39M |
| Loan Loss Provision | 367.83M | 421.25M | 788M | 1.19B | 1.43B | 1.01B | 1.19B | -781.36M | -585.94M | 301.92M |
| Non-Interest Income | 937.34M | 1.14B | 1.68B | 3.95B | 3.56B | 2.32B | 2.04B | 800.16M | 3.44B | 2.82B |
| Non-Interest Income % | 86.75% | 100% | 100% | 100% | 100% | 100% | 100% | 50.21% | 78.82% | 79.65% |
| Total Revenue | 1.08B▲ 0% | 1.14B▲ 5.3% | 1.68B▲ 47.7% | 3.95B▲ 135.3% | 3.56B▼ 10.0% | 2.32B▼ 34.8% | 2.04B▼ 12.2% | 1.59B▼ 21.8% | 4.36B▲ 173.8% | 3.54B▲ 0% |
| Revenue Growth % | 6.57% | 5.26% | 47.68% | 135.32% | -9.96% | -34.77% | -12.16% | -21.84% | 173.81% | 247.26% |
| Non-Interest Expense | 232.25M | 303.85M | 362.27M | 526.45M | 773.92M | 618.27M | 493.43M | 654.71M | 2.48B | 1.49B |
| Efficiency Ratio | 21.49% | 26.71% | 21.57% | 13.32% | 21.75% | 26.63% | 24.2% | 41.08% | 56.77% | 42.16% |
| Operating Income | 335.91M▲ 0% | 267.7M▼ 20.3% | 529.44M▲ 97.8% | 2.24B▲ 323.2% | 1.36B▼ 39.3% | 688.69M▼ 49.3% | 354.04M▼ 48.6% | 901.03M▲ 154.5% | 1.51B▲ 67.8% | 1B▲ 0% |
| Operating Margin % | 31.09% | 23.54% | 31.52% | 56.69% | 38.2% | 29.67% | 17.36% | 56.54% | 34.65% | 28.34% |
| Operating Income Growth % | -12.31% | -20.31% | 97.78% | 323.24% | -39.34% | -49.34% | -48.59% | 154.5% | 67.8% | - |
| Pretax Income | 335.91M▲ 0% | 267.7M▼ 20.3% | 529.44M▲ 97.8% | 2.24B▲ 323.2% | 1.36B▼ 39.3% | 665.25M▼ 51.1% | 183.63M▼ 72.4% | 401.03M▲ 118.4% | 551.42M▲ 37.5% | 551.91M▲ 0% |
| Pretax Margin % | 31.09% | 23.54% | 31.52% | 56.69% | 38.19% | 28.66% | 9.01% | 25.16% | 12.64% | 15.58% |
| Income Tax | 24.39M | 23.25M | 136.48M | 593.73M | 355.69M | 189.74M | 38.98M | 89.6M | 50.34M | 44.79M |
| Effective Tax Rate % | 7.26% | 8.69% | 25.78% | 26.5% | 26.17% | 28.52% | 21.22% | 22.34% | 9.13% | 8.12% |
| Net Income | 100.76M▲ 0% | 87.69M▼ 13.0% | 392.96M▲ 348.1% | 1.65B▲ 319.1% | 1B▼ 39.1% | 475.51M▼ 52.6% | 144.66M▼ 69.6% | 311.42M▲ 115.3% | 501.08M▲ 60.9% | 507.12M▲ 0% |
| Net Margin % | 9.32% | 7.71% | 23.39% | 41.67% | 28.2% | 20.48% | 7.09% | 19.54% | 11.48% | 14.31% |
| Net Income Growth % | 52.48% | -12.96% | 348.11% | 319.09% | -39.07% | -52.61% | -69.58% | 115.29% | 60.9% | 45.56% |
| Net Income (Continuing) | 311.52M | 244.44M | 392.96M | 1.65B | 1B | 475.51M | 144.66M | 311.42M | 501.08M | 507.12M |
| EPS (Diluted) | 1.28▲ 0% | 2.48▲ 93.8% | 4.89▲ 97.2% | 20.92▲ 327.8% | 14.87▼ 28.9% | 8.50▼ 42.8% | 2.74▼ 67.8% | 5.84▲ 113.1% | 9.30▲ 59.2% | 9.42▲ 0% |
| EPS Growth % | -56.46% | 93.75% | 97.18% | 327.81% | -28.92% | -42.84% | -67.76% | 113.14% | 59.25% | 44.33% |
| EPS (Basic) | 4.34 | 2.59 | 5.02 | 21.91 | 15.73 | 8.96 | 2.89 | 6.11 | 9.69 | - |
| Diluted Shares Outstanding | 78.94M | 35.32M | 80.34M | 78.73M | 67.47M | 55.95M | 52.73M | 53.36M | 53.88M | 53.86M |
PFSI Balance Sheet
PennyMac Financial Services, Inc. (PFSI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 207.81M | 273.11M | 210.3M | 547.93M | 346.94M | 1.34B | 948.64M | 659.03M | 711.72M | 2.24B |
| Cash & Due from Banks | 37.73M | 155.29M | 135.69M | 532.72M | 340.07M | 1.33B | 938.37M | 238.48M | 301.68M | 219.51M |
| Short Term Investments | 170.08M | 117.82M | 74.61M | 15.22M | 6.87M | 12.19M | 10.27M | 420.55M | 410.04M | 0 |
| Total Investments | 171.28M | 119.22M | 76.28M | 16.32M | 8.17M | 13.12M | 11.39M | 421.5M | 9.32B | 0 |
| Investments Growth % | 96.45% | -30.4% | -36.02% | -78.6% | -49.93% | 60.57% | -13.21% | 3600.91% | 2111.09% | 2064.59% |
| Long-Term Investments | 1.21M | 1.4M | 1.67M | 1.1M | 1.3M | 929K | 1.12M | 944K | 8.91B | 8.91B |
| Accounts Receivables | 0 | 0 | 48.16M | 141.68M | 187.27M | 116.69M | 132.26M | 164.23M | 0 | 0 |
| Goodwill & Intangibles | 2.15B | 2.86B | 2.99B | 2.66B | 3.99B | 6.11B | 7.25B | 8.87B | 9.6B | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 2.15B | 2.86B | 2.99B | 2.66B | 3.99B | 6.11B | 7.25B | 8.87B | 9.6B | 0 |
| PP&E (Net) | 29.45M | 33.37M | 103.57M | 107.15M | 120.72M | 94.25M | 68.94M | 49.49M | 0 | 0 |
| Other Assets | 98.11M | 240.58M | 423.03M | 992.03M | 459.94M | 143.72M | 253.52M | 1.05B | 10.15B | 0 |
| Total Current Assets | 5.01B | 4.24B | 6.69B | 27.83B | 14.21B | 10.47B | 11.27B | 16.12B | 728.84M | 219.51M |
| Total Non-Current Assets | 2.35B | 3.23B | 3.52B | 3.76B | 4.57B | 6.35B | 7.57B | 9.97B | 28.66B | 0 |
| Total Assets | 7.37B▲ 0% | 7.48B▲ 1.5% | 10.2B▲ 36.4% | 31.6B▲ 209.7% | 18.78B▼ 40.6% | 16.82B▼ 10.4% | 18.84B▲ 12.0% | 26.09B▲ 38.4% | 29.39B▲ 12.7% | 31.94B▲ 0% |
| Asset Growth % | 43.52% | 1.5% | 36.44% | 209.66% | -40.58% | -10.41% | 12.02% | 38.43% | 12.66% | 69.78% |
| Return on Assets (ROA) | 1.61% | 1.18% | 4.44% | 7.88% | 3.98% | 2.67% | 0.81% | 1.39% | 1.81% | 1.83% |
| Accounts Payable | 482.68M | 476.95M | 427.14M | 580.45M | 587.43M | 552.92M | 658.11M | 476.73M | 0 | 0 |
| Total Debt | 5.04B | 4.88B | 7.12B | 26.89B | 13.99B | 11.8B | 13.49B | 20.55B | 23.06B | 6.26B |
| Net Debt | 5.01B | 4.72B | 6.99B | 26.36B | 13.65B | 10.47B | 12.56B | 20.32B | 22.76B | 6.04B |
| Long-Term Debt | 2.66B | 2.94B | 2.87B | 17.13B | 6.58B | 8.71B | 9.73B | 11.87B | 6.85B | 0 |
| Short-Term Debt | 2.38B | 1.93B | 4.14B | 9.65B | 7.29B | 3B | 3.76B | 8.69B | 16.2B | 6.26B |
| Other Liabilities | 2.99B | 1.19B | 43.78M | 75.33M | 66.13M | -31.42M | 84.06M | 70.03M | 2.02B | 20.15B |
| Total Current Liabilities | 2.96B | 2.86B | 5.12B | 10.89B | 8.6B | 4.58B | 5.49B | 10.32B | 16.2B | 7.47B |
| Total Non-Current Liabilities | 2.69B | 2.97B | 3.02B | 17.32B | 6.76B | 8.77B | 9.81B | 11.94B | 8.88B | 20.15B |
| Total Liabilities | 5.65B | 5.82B | 8.14B | 28.21B | 15.36B | 13.35B | 15.31B | 22.26B | 25.08B | 27.62B |
| Total Equity | 1.72B▲ 0% | 1.67B▼ 3.0% | 2.06B▲ 23.6% | 3.39B▲ 64.4% | 3.42B▲ 0.9% | 3.47B▲ 1.5% | 3.54B▲ 1.9% | 3.83B▲ 8.2% | 4.31B▲ 12.5% | 4.33B▲ 0% |
| Equity Growth % | 22.89% | -3% | 23.59% | 64.41% | 0.85% | 1.54% | 1.95% | 8.22% | 12.52% | 46.01% |
| Equity / Assets (Capital Ratio) | 23.34% | 22.3% | 20.2% | 10.73% | 18.21% | 20.63% | 18.78% | 14.68% | 14.66% | 13.54% |
| Return on Equity (ROE) | 6.46% | 5.18% | 21.07% | 60.43% | 29.48% | 13.8% | 4.13% | 8.45% | 12.31% | 12.02% |
| Book Value per Share | 21.78 | 47.22 | 25.66 | 43.05 | 50.66 | 62.04 | 67.10 | 71.78 | 79.97 | 80.32 |
| Tangible BV per Share | -5.39 | -33.76 | -11.56 | 9.23 | -8.44 | -47.19 | -70.34 | -94.38 | -98.18 | 80.32 |
| Common Stock | 2K | 8K | 8K | 7K | 6K | 5K | 5K | 5K | 5K | 5K |
| Additional Paid-in Capital | 204.1M | 1.31B | 1.34B | 1.05B | 125.4M | 0 | 24.29M | 56.07M | 96.87M | 0 |
| Retained Earnings | 265.31M | 343.13M | 726.39M | 2.34B | 3.29B | 3.47B | 3.51B | 3.77B | 4.21B | 4.28B |
| Accumulated OCI | 1.72B | 1.65B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 265.31M | 343.13M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PFSI Cash Flow Statement
PennyMac Financial Services, Inc. (PFSI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -883.59M | 572.4M | -2.15B | -6.2B | 2.56B | 6.03B | -1.58B | -4.53B | -1.4B | -1.4B |
| Operating CF Growth % | 5.85% | 164.78% | -475.09% | -188.73% | 141.35% | 135.39% | -126.23% | -186.51% | 69.12% | -190.88% |
| Net Income | 311.52M | 244.44M | 392.96M | 1.65B | 1B | 475.51M | 144.66M | 311.42M | 501.08M | 507.12M |
| Depreciation & Amortization | 281.63M | 258.81M | 25.18M | 37.86M | 42.94M | 50.24M | 70.02M | 69.66M | 69.36M | 64.93M |
| Deferred Taxes | 105.83M | 39.52M | 0 | -779.61M | 425.88M | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -1.47B | 31.65M | -2.6B | -6.65B | 1.07B | 5.16B | -1.84B | -4.73B | -2.21B | -4.61B |
| Working Capital Changes | -136.1M | -27.29M | 10.44M | -496.14M | -17.99M | 309.52M | 11.24M | -209.54M | 241.2M | 215.61M |
| Cash from Investing | -339.23M | -322.61M | 50.66M | 783.03M | -304.37M | -721.58M | -273.29M | -1.89B | 300.42M | 3.98B |
| Purchase of Investments | -120.73M | -122.23M | -21.13M | -131.84M | -434.4M | -877.2M | -96.46M | -2.05B | -369.59M | -874.25M |
| Sale/Maturity of Investments | 0 | 52.26M | 43.21M | 972.46M | 8.34M | 0 | 1.93M | 298.7M | 10.52M | 4.54B |
| Net Investment Activity | -120.73M | -69.97M | 22.09M | 840.62M | -426.05M | -877.2M | -94.53M | -1.75B | -359.07M | 3.67B |
| Acquisitions | 0 | 245.11M | 0 | 131.84M | -48.98M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -16.18M | -239.22M | 291.53M | -105.19M | 227.54M | 162.78M | -142.59M | -136.71M | 710.69M | 340.88M |
| Cash from Financing | 1.16B | -132.03M | 2.13B | 5.76B | -2.45B | -4.32B | 1.47B | 5.72B | 1.16B | 2.29B |
| Dividends Paid | 0 | -10.05M | -9.71M | -30.95M | -52.9M | -54.62M | -41.45M | -52.16M | -62.55M | -47.55M |
| Share Repurchases | -8.6M | -5.29M | -1.06M | -337.48M | -958.19M | -406.09M | -71.49M | 0 | -4.74M | -4.74M |
| Stock Issued | 0 | 0 | 5.14M | 0 | 0 | 0 | 0 | 0 | 9.07M | 7.38M |
| Net Stock Activity | -8.6M | -5.29M | 4.09M | -337.48M | -958.19M | -406.09M | -71.49M | 0 | 4.33M | 2.65M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Financing | 623M | -460.33M | -4.63M | 5.5B | -2.4B | -4.32B | 748.96M | 4.9B | 0 | 35.72M |
| Net Change in Cash | -61.64M▲ 0% | 117.75M▲ 291.0% | 33M▼ 72.0% | 344.2M▲ 943.0% | -192.69M▼ 156.0% | 988.45M▲ 613.0% | -390.17M▼ 139.5% | -699.89M▼ 79.4% | 63.2M▲ 109.0% | 90.59M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 348K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 99.37M | 38.17M | 155.29M | 188.58M | 532.78M | 340.09M | 1.33B | 938.37M | 238.48M | 0 |
| Cash at End | 37.73M | 155.92M | 188.29M | 532.78M | 340.09M | 1.33B | 938.37M | 238.48M | 301.68M | 0 |
| Interest Paid | 0 | 0 | 0 | 272.97M | 389.53M | 329.98M | 0 | 797.21M | 0 | 495.1M |
| Income Taxes Paid | 0 | 0 | 0 | 475.59M | 293.13M | 0 | 0 | 1.49M | 0 | 2.1M |
| Free Cash Flow | -1.09B▲ 0% | 313.87M▲ 128.9% | -2.15B▼ 786.0% | -6.28B▼ 191.8% | 2.51B▲ 139.9% | 5.95B▲ 137.4% | -1.62B▼ 127.2% | -4.56B▼ 181.5% | -1.41B▲ 69.0% | -3.83B▲ 0% |
| FCF Growth % | -12.06% | 128.9% | -786% | -191.82% | 139.89% | 137.42% | -127.2% | -181.48% | 69.01% | -47.61% |
PFSI Banking Ratios
PennyMac Financial Services, Inc. (PFSI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.46% | 5.18% | 21.07% | 60.43% | 29.48% | 13.8% | 4.13% | 8.45% | 12.31% | 12.02% |
| Return on Assets (ROA) | 1.61% | 1.18% | 4.44% | 7.88% | 3.98% | 2.67% | 0.81% | 1.39% | 1.81% | 1.83% |
| Net Interest Margin | -0.02% | -1.93% | 0% | 0% | 0% | 0% | 0% | -0.1% | -0.12% | 0.06% |
| Efficiency Ratio | 21.49% | 26.71% | 21.57% | 13.32% | 21.75% | 26.63% | 24.2% | 41.08% | 56.77% | 42.16% |
| Equity / Assets | 23.34% | 22.3% | 20.2% | 10.73% | 18.21% | 20.63% | 18.78% | 14.68% | 14.66% | 13.54% |
| Book Value / Share | 21.78 | 47.22 | 25.66 | 43.05 | 50.66 | 62.04 | 67.1 | 71.78 | 79.97 | 80.32 |
| NII Growth | 98.74% | -10682.77% | 100% | - | - | - | - | - | -40.05% | 302.16% |
| Dividend Payout | - | 11.46% | - | 1.88% | 5.27% | 11.49% | 28.65% | 16.75% | 12.48% | 9.38% |
PFSI SEC Filings & Documents
PennyMac Financial Services, Inc. (PFSI) SEC filings — annual & quarterly reports (10-K, 10-Q)
PFSI Frequently Asked Questions
PennyMac Financial Services, Inc. (PFSI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
PennyMac Financial Services, Inc. (PFSI) grew revenue by 173.8% over the past year. This is strong growth.
Yes, PennyMac Financial Services, Inc. (PFSI) is profitable, generating $507.1M in net income for fiscal year 2025 (11.5% net margin).
Dividend & Returns
Yes, PennyMac Financial Services, Inc. (PFSI) pays a dividend with a yield of 1.33%. This makes it attractive for income-focused investors.
PennyMac Financial Services, Inc. (PFSI) has a return on equity (ROE) of 12.3%. This is reasonable for most industries.
Industry Metrics
PennyMac Financial Services, Inc. (PFSI) has a net interest margin (NIM) of -0.1%. NIM has been under pressure due to interest rate environment.
PennyMac Financial Services, Inc. (PFSI) has an efficiency ratio of 56.8%. This is reasonable for a bank.
Explore More PFSI
PennyMac Financial Services, Inc. (PFSI) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates