Last 48 quarters of trend data · Financial Services · Financial - Mortgages
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
PennyMac Financial Services, Inc.'s quarterly P/E stands at 14.3x, down 19.0% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 75.8% YoY to 9.2x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.41 | 14.28 | 16.73 | 9.19 | 9.81 | 17.63 | 13.09 | 21.92 | 12.78 | 30.77 | — | 9.41 | 15.84 |
| — | -19.0% | +27.8% | -58.1% | -23.3% | -42.7% | — | +133.0% | -19.3% | +17.7% | — | +115.8% | +230.4% | |
| P/S Ratio | 1.05 | 2.16 | 1.51 | 1.89 | 1.43 | 1.25 | 2.91 | 3.70 | 1.76 | 2.42 | 2.07 | 1.57 | 1.61 |
| — | +72.1% | -48.2% | -48.9% | -18.5% | -48.1% | +40.2% | +135.7% | +9.2% | +104.1% | +22.6% | +49.0% | +22.5% | |
| P/B Ratio | 1.09 | 1.09 | 1.66 | 1.59 | 1.33 | 1.38 | 1.43 | 1.63 | 1.37 | 1.35 | 1.25 | 0.98 | 1.06 |
| — | -20.9% | +16.0% | -2.7% | -3.6% | +1.5% | +14.5% | +66.4% | +30.1% | +47.1% | +44.1% | +44.7% | +47.7% | |
| P/FCF | — | — | — | — | — | 1.27 | — | — | — | — | 2.61 | — | 0.41 |
| — | — | — | — | — | — | — | — | — | — | +65.2% | — | +12.5% | |
| EV / EBITDA | 18.07 | 9.17 | 18.81 | 25.15 | 62.23 | 37.95 | 21.74 | 19.15 | 34.32 | 57.40 | 32.53 | 28.11 | 41.79 |
| — | -75.8% | -13.5% | +31.3% | +81.3% | -33.9% | -33.2% | -31.9% | -17.9% | -20.0% | -15.6% | +86.2% | +213.7% | |
| EV / EBIT | 18.07 | — | 18.81 | 26.90 | 77.10 | 44.23 | 49.21 | 47.84 | 38.85 | 80.08 | 37.60 | 31.95 | 51.66 |
| — | — | -61.8% | -43.8% | +98.4% | -44.8% | +30.9% | +49.7% | -24.8% | -22.1% | -18.7% | +97.4% | +265.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
PennyMac Financial Services, Inc.'s operating margin was 53.8% in Q1 2026, up 20.2 pp QoQ and up 44.0 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 30.6% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 51.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 91.4% | 97.4% | 90.5% | 46.8% | 51.9% | 64.2% | 97.9% | 95.8% | 49.2% | 39.0% | 40.4% | 47.5% | 44.3% |
| — | +51.6% | -7.6% | -51.1% | +5.5% | +64.9% | +142.0% | +101.8% | +11.0% | -35.7% | -4.5% | -19.5% | -11.4% | |
| Operating Margin | 34.6% | 53.8% | 33.6% | 26.8% | 8.3% | 9.8% | 59.4% | 52.9% | 18.7% | 8.9% | 21.2% | 22.8% | 12.9% |
| — | +450.4% | -43.5% | -49.4% | -55.9% | +9.7% | +180.2% | +132.5% | +45.5% | +45.7% | +29.4% | -31.8% | -67.3% | |
| Net Margin | 11.5% | 15.1% | 9.0% | 20.6% | 14.6% | 7.1% | 22.2% | 16.8% | 13.7% | 7.9% | -6.9% | 16.7% | 10.2% |
| — | +111.8% | -59.4% | +22.1% | +6.6% | -9.3% | +421.1% | +1.1% | +34.5% | +73.7% | -181.8% | -31.0% | -62.8% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.3% | 1.9% | 2.5% | 4.4% | 3.4% | 2.0% | 2.8% | 1.9% | 2.7% | 1.1% | -1.0% | 2.6% | 1.7% |
| — | -3.3% | -9.1% | +135.0% | +26.6% | +78.4% | +366.5% | -28.8% | +61.7% | +26.0% | -195.8% | -32.3% | -55.1% | |
| ROA | 1.8% | 0.3% | 0.4% | 0.7% | 0.6% | 0.3% | 0.4% | 0.3% | 0.5% | 0.2% | -0.2% | 0.5% | 0.3% |
| — | -12.1% | -8.6% | +134.4% | +19.5% | +50.1% | +318.9% | -37.9% | +55.2% | +23.6% | -186.0% | -43.0% | -65.8% | |
| ROIC | 4.4% | 1.2% | 1.2% | 0.8% | 0.3% | 0.4% | 1.0% | 0.9% | 0.6% | 0.2% | 0.5% | 0.6% | 0.3% |
| — | +207.5% | +12.2% | -15.8% | -51.0% | +74.6% | +112.4% | +62.9% | +88.7% | +18.9% | +34.9% | -44.7% | -70.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
PennyMac Financial Services, Inc.'s Debt/EBITDA ratio is 21.4x, down from 58.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 60.9% YoY to 0.03x, tightening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 5.35 | 1.45 | 5.35 | 4.61 | 4.59 | 3.42 | 5.37 | 3.22 | 4.47 | 2.90 | 3.81 | 3.89 | 3.74 |
| — | -57.6% | -0.3% | +43.0% | +2.7% | +17.8% | +40.7% | -17.0% | +19.4% | -34.0% | +12.2% | +20.0% | +37.8% | |
| Debt / EBITDA | 15.25 | 21.36 | 58.02 | 76.68 | 194.50 | 109.47 | 69.32 | 51.29 | 107.98 | 166.66 | 103.46 | 96.32 | 143.53 |
| — | -80.5% | -16.3% | +49.5% | +80.1% | -34.3% | -33.0% | -46.7% | -24.8% | -35.5% | -23.3% | +70.8% | +199.8% | |
| Current Ratio | 0.04 | 0.03 | 0.04 | 1.63 | 1.50 | 0.08 | 1.56 | 1.68 | 1.56 | — | 2.05 | 1.97 | 2.12 |
| — | -60.9% | -97.1% | -3.2% | -3.2% | — | -23.9% | -14.5% | -26.8% | — | -10.2% | -3.8% | -6.4% | |
| Quick Ratio | 0.04 | 0.03 | 0.04 | 1.63 | 1.50 | 0.08 | 1.56 | 1.68 | 1.56 | — | 2.05 | 1.97 | 2.12 |
| — | -60.9% | -97.1% | -3.2% | -3.2% | — | -23.9% | -14.5% | -26.8% | — | -10.2% | -3.8% | -6.4% | |
| Interest Coverage | 1.57 | 1.17 | 1.51 | 1.03 | — | — | 0.57 | 0.43 | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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PennyMac Financial Services, Inc.'s current P/E is 9.4x. The average P/E over the last 4 quarters is 12.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
PennyMac Financial Services, Inc.'s current operating margin is 34.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking PennyMac Financial Services, Inc.'s business trajectory between earnings reports.