Last 48 quarters of trend data · Financial Services · Mortgage Lenders & Servicers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.52 | 28.57 | 53.11 | 14.28 | 16.73 | 9.19 | 9.81 | 17.63 | 13.09 | 21.92 | 12.78 | 30.77 | — | 9.41 | 15.84 | 26.14 | 19.95 | 4.36 | 4.79 | 4.52 | 6.25 |
| — | +210.9% | +441.5% | -19.0% | +27.8% | -58.1% | -23.3% | -42.7% | — | +133.0% | -19.3% | +17.7% | — | +115.8% | +230.4% | +477.9% | +219.1% | +8.4% | -8.7% | +39.4% | +127.5% | |
| P/S Ratio | 0.77 | 3.18 | 1.19 | 1.22 | 0.81 | 1.89 | 1.43 | 1.25 | 1.96 | 2.42 | 1.76 | 2.42 | 2.07 | 1.57 | 1.61 | 1.18 | 1.69 | 1.05 | 1.31 | 1.51 | 2.06 |
| — | +68.0% | -16.8% | -3.0% | -58.8% | -22.0% | -18.5% | -48.1% | -5.6% | +54.2% | +9.2% | +104.1% | +22.6% | +49.0% | +22.5% | -21.4% | -18.1% | -7.8% | +3.7% | +29.7% | — | |
| P/B Ratio | 0.82 | 0.75 | 1.07 | 1.09 | 1.66 | 1.59 | 1.33 | 1.38 | 1.43 | 1.63 | 1.37 | 1.35 | 1.25 | 0.98 | 1.06 | 0.92 | 0.87 | 0.68 | 0.72 | 0.91 | 1.26 |
| — | -52.6% | -19.3% | -20.9% | +16.0% | -2.7% | -3.6% | +1.5% | +14.5% | +66.4% | +30.1% | +47.1% | +44.1% | +44.7% | +47.7% | +0.8% | -31.5% | -40.9% | -41.3% | -35.2% | -13.9% | |
| P/FCF | — | 0.98 | 0.57 | — | — | — | — | 1.27 | — | — | — | — | 2.61 | — | 0.41 | — | 1.58 | — | 0.37 | 0.18 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | +65.2% | — | +12.5% | — | — | — | -10.2% | — | — | |
| EV / EBITDA | 42.17 | 15.40 | 139.54 | 44.29 | 49.61 | 25.15 | 62.50 | 38.05 | 43.49 | 40.47 | 34.32 | 57.40 | 32.53 | 28.11 | 41.79 | 71.71 | 38.53 | 15.10 | 13.32 | 12.37 | 18.35 |
| — | -38.8% | +123.3% | +16.4% | +14.1% | -37.9% | +82.1% | -33.7% | +33.7% | +44.0% | -17.9% | -20.0% | -15.6% | +86.2% | +213.7% | +479.8% | +109.9% | +14.1% | -33.1% | -17.1% | +47.3% | |
| EV / EBIT | 47.45 | 15.40 | 222.91 | 51.79 | 56.00 | 26.90 | 77.52 | 44.37 | 49.21 | 47.84 | 38.85 | 80.08 | 37.60 | 31.95 | 51.66 | 102.77 | 46.27 | 16.19 | 14.14 | 12.93 | 19.19 |
| — | -42.8% | +187.6% | +16.7% | +13.8% | -43.8% | +99.5% | -44.6% | +30.9% | +49.7% | -24.8% | -22.1% | -18.7% | +97.4% | +265.4% | +695.1% | +141.1% | +18.7% | -31.7% | -15.2% | +51.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 59.3% | 198.4% | 43.5% | 47.9% | 77.4% | 46.8% | 51.8% | 64.2% | 40.3% | 38.0% | 49.2% | 39.0% | 40.4% | 47.5% | 44.3% | 60.6% | 42.4% | 58.9% | 50.0% | 43.8% | 94.4% |
| — | +324.1% | -16.1% | -25.4% | +92.3% | +23.2% | +5.4% | +64.8% | -0.5% | -20.0% | +11.0% | -35.7% | -4.5% | -19.5% | -11.4% | +38.4% | -55.1% | -2.4% | +14.2% | -20.4% | -39.9% | |
| Operating Margin | 12.5% | 33.7% | 3.2% | 10.8% | 6.0% | 26.8% | 8.2% | 9.7% | 18.8% | 15.0% | 18.7% | 8.9% | 21.2% | 22.8% | 12.9% | 6.1% | 16.4% | 33.4% | 39.3% | 45.9% | 44.7% |
| — | +25.8% | -60.5% | +11.2% | -67.9% | +79.2% | -56.2% | +9.4% | -11.5% | -34.3% | +45.5% | +45.7% | +29.4% | -31.8% | -67.3% | -86.7% | -63.4% | -13.8% | +18.7% | -4.5% | +117.3% | |
| Net Margin | 11.3% | 11.2% | 2.2% | 8.5% | 4.8% | 20.6% | 14.6% | 7.1% | 15.0% | 11.0% | 13.7% | 7.9% | -6.9% | 16.7% | 10.2% | 4.5% | 8.5% | 24.2% | 27.4% | 33.3% | 33.1% |
| — | -45.3% | -84.7% | +19.4% | -67.8% | +86.5% | +6.6% | -9.3% | +316.2% | -33.9% | +34.5% | +73.7% | -181.8% | -31.0% | -62.8% | -86.4% | -74.4% | -15.0% | +13.5% | -7.2% | +117.5% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.3% | 0.7% | 0.5% | 1.9% | 2.5% | 4.4% | 3.4% | 2.0% | 2.8% | 1.9% | 2.7% | 1.1% | -1.0% | 2.6% | 1.7% | 0.9% | 1.1% | 3.9% | 3.7% | 5.1% | 5.0% |
| — | -84.9% | -85.4% | -3.3% | -9.1% | +135.0% | +26.6% | +78.4% | +366.5% | -28.8% | +61.7% | +26.0% | -195.8% | -32.3% | -55.1% | -82.7% | -78.4% | -45.2% | -36.0% | -54.0% | -64.6% | |
| ROA | 1.8% | 0.1% | 0.1% | 0.3% | 0.4% | 0.7% | 0.6% | 0.3% | 0.4% | 0.3% | 0.5% | 0.2% | -0.2% | 0.5% | 0.3% | 0.2% | 0.2% | 0.9% | 0.9% | 1.0% | 0.9% |
| — | -86.7% | -87.6% | -12.1% | -8.6% | +134.4% | +19.5% | +50.1% | +318.9% | -37.9% | +55.2% | +23.6% | -186.0% | -43.0% | -65.8% | -84.2% | -74.8% | -22.8% | +20.8% | -13.3% | -37.7% | |
| ROIC | 1.6% | 0.3% | 0.1% | 0.3% | 0.4% | 0.8% | 0.3% | 0.4% | 0.5% | 0.4% | 0.6% | 0.2% | 0.5% | 0.6% | 0.3% | 0.2% | 0.4% | 1.0% | 1.1% | 1.2% | 1.0% |
| — | -64.4% | -66.9% | -14.5% | -19.7% | +95.1% | -51.3% | +74.1% | -0.3% | -29.7% | +88.7% | +18.9% | +34.9% | -44.7% | -70.6% | -84.6% | -62.8% | -18.1% | +33.6% | -6.8% | -36.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 5.35 | 3.50 | 5.46 | 3.98 | 5.35 | 4.61 | 4.59 | 3.42 | 5.37 | 3.22 | 4.47 | 2.90 | 3.81 | 3.89 | 3.74 | 4.40 | 3.40 | 3.24 | 2.72 | 2.83 | 4.09 |
| — | -24.1% | +18.9% | +16.4% | -0.3% | +43.0% | +2.7% | +17.8% | +40.7% | -17.0% | +19.4% | -34.0% | +12.2% | +20.0% | +37.8% | +55.4% | -16.9% | -24.3% | -50.2% | -62.9% | -48.4% | |
| Debt / EBITDA | 37.14 | 51.34 | 470.32 | 140.51 | 153.03 | 76.68 | 195.36 | 109.76 | 138.64 | 108.39 | 107.98 | 166.66 | 103.46 | 96.32 | 143.53 | 258.21 | 134.92 | 56.38 | 47.88 | 38.87 | 57.15 |
| — | -33.0% | +140.7% | +28.0% | +10.4% | -29.3% | +80.9% | -34.1% | +34.0% | +12.5% | -24.8% | -35.5% | -23.3% | +70.8% | +199.8% | +564.3% | +136.1% | +31.6% | -27.5% | -23.9% | +33.6% | |
| Current Ratio | 0.04 | 0.90 | 0.04 | 0.08 | 0.04 | 1.63 | 1.50 | 0.08 | 1.56 | 1.68 | 1.56 | — | 2.05 | 1.97 | 2.12 | 1.91 | 2.29 | 2.05 | 2.27 | 2.00 | 1.65 |
| — | -44.8% | -97.0% | -0.2% | -97.1% | -3.2% | -3.2% | — | -23.9% | -14.5% | -26.8% | — | -10.2% | -3.8% | -6.4% | -4.5% | +38.3% | +8.2% | +8.1% | -9.9% | -35.3% | |
| Quick Ratio | 0.04 | 0.90 | 0.04 | 0.08 | 0.04 | 1.63 | 1.50 | 0.08 | 1.56 | 1.68 | 1.56 | — | 2.05 | 1.97 | 2.12 | 1.91 | 2.29 | 2.05 | 2.27 | 2.00 | 1.65 |
| — | -44.8% | -97.0% | -0.2% | -97.1% | -3.2% | -3.2% | — | -23.9% | -14.5% | -26.8% | — | -10.2% | -3.8% | -6.4% | -4.5% | +38.3% | +8.2% | +8.1% | -9.9% | -35.3% | |
| Interest Coverage | — | 1.17 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying PFSI stock.
PennyMac Financial Services, Inc.'s current P/E is 14.5x. The average P/E over the last 4 quarters is 28.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
PennyMac Financial Services, Inc.'s current operating margin is 12.5%. 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.