PennyMac Financial Services, Inc. PFSI

Financials SIC 6162 - Mortgage Bankers & Loan Correspondents NAICS Finance and Insurance › Credit Intermediation and Related Activities derived NYSE

We are a specialty financial services firm with a comprehensive mortgage platform and integrated business primarily focused on the production and servicing of U.S. residential mortgage loans (activities which we refer to as mortgage banking). We are also engaged in the management of investments related to the U.S. mortgage market and providing products and services that leverage innovative technologies to effectively and efficiently support our customers. We believe that our operating capabilities, specialized expertise, access to long-term investment capital, and experience across all aspects of the mortgage business will allow us to profitably grow these activities over time and capitalize on other related opportunities as they arise.

Last close 63.68 2026-10-23
Market cap $3.31B 2026-06-30 share count
52-week range 57.52 - 160.36

Valuation FY2025 figures against the last close

P/S164.5x
P/E6.8x
P/FCF—
EV/EBITDA—
Dividend yield1.9%
Diluted EPS9.30

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $20.1M$26.9M$13.4M$12.4M$7.3M$6.7M$8.9M$9.3M$3.7M$3.3M
Total operating expenses $1.50B$1.19B$1.22B$1.32B$1.81B$1.46B$948.0M$716.9M$619.6M$548.8M
Interest expense $36.1M$25.8M$4.9M$41.4M$390.7M$271.6M$212.0M$144.6M$144.5M$106.2M
Pre-tax income $551.4M$401.0M$183.6M$665.2M$1.36B$2.24B$529.4M$267.7M$335.9M$383.1M
Income tax $50.3M$89.6M$39.0M$189.7M$355.7M$593.7M$136.5M$23.3M$24.4M$46.1M
Net income $501.0M$311.0M$145.0M$476.0M$1.00B$1.65B$393.0M$87.7M$100.8M$66.1M
EPS, basic 9.696.112.898.9615.7321.915.022.624.342.98
EPS, diluted 9.305.842.748.5014.8720.924.892.594.032.94
Shares, diluted (wtd. avg.) 53.9M53.4M52.7M56.0M67.5M78.7M80.3M35.3M25.0M76.6M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $301.7M$238.5M$938.4M$1.33B$340.1M$532.8M$188.6M$155.9M$38.2M$99.6M
Short-term investments $410.0M$420.6M$10.3M$12.2M$6.9M$15.2M$74.6M$117.8M$170.1M—
Property, plant and equipment $17.8M$12.9M$19.0M$28.4M$31.7M—$30.5M$33.4M$29.5M—
Total assets $29.39B$26.09B$18.84B$16.82B$18.78B$31.60B$10.20B$6.84B$6.90B$5.25B
Short-term debt ——————$3.27B$2.26B$2.34B$2.33B
Long-term debt $6.23B$5.25B$4.43B$3.75B$3.10B—$1.52B$1.47B$1.38B$690.5M
Total liabilities $25.08B$22.26B$15.31B$13.35B$15.36B$28.21B$8.14B$4.98B$5.11B$3.79B
Retained earnings $4.21B$3.77B$3.51B$3.47B$3.29B$2.34B$726.4M$343.1M$265.3M—
Total equity $4.31B$3.83B$3.54B$3.47B$3.42B$3.39B$2.06B$1.65B$1.72B$1.40B

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow -$1.65B-$4.53B-$1.58B$6.03B$2.56B-$6.20B-$2.25B$572.4M-$883.4M-$938.3M
Depreciation and amortisation $54.4M$56.0M$53.2M$34.4M$28.6M$25.6M$15.0M$12.9M$8.4M$5.8M
Stock-based compensation $36.2M$20.9M$27.6M$42.6M$37.8M$45.1M$24.8M$25.3M$20.7M$16.2M
Capital expenditure $11.9M$1.7M$1.4M$7.2M$7.9M$10.7M$6.1M$13.4M$6.8M$21.9M
Investing cash flow $552.5M-$1.89B-$273.3M-$721.6M-$304.4M$783.0M$148.8M-$322.6M-$339.2M-$34.7M
Financing cash flow $1.16B$5.72B$1.47B-$4.32B-$2.45B$5.76B$2.13B-$132.0M$1.16B$967.2M
Dividends paid $62.5M$52.2M$41.4M$54.6M$52.9M$30.9M$9.7M$10.1M——
Buybacks $4.7M—$71.5M$406.1M$958.2M$337.5M$1.1M$5.3M$8.6M—

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-164086.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 500M 1B 1.5B 2B Revenue, FY2016: 3.3M Net income, FY2016: 66.1M Revenue, FY2017: 3.7M Net income, FY2017: 100.8M Revenue, FY2018: 9.3M Net income, FY2018: 87.7M Revenue, FY2019: 8.9M Net income, FY2019: 393M Revenue, FY2020: 6.7M Net income, FY2020: 1.6B Revenue, FY2021: 7.3M Net income, FY2021: 1B Revenue, FY2022: 12.4M Net income, FY2022: 476M Revenue, FY2023: 13.4M Net income, FY2023: 145M Revenue, FY2024: 26.9M Net income, FY2024: 311M Revenue, FY2025: 20.1M Net income, FY2025: 501M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $3.3M $3.7M $9.3M $8.9M $6.7M $7.3M $12.4M $13.4M $26.9M $20.1M
Gross profit — — — — — — — — — —
Net income $66.1M $100.8M $87.7M $393.0M $1.65B $1.00B $476.0M $145.0M $311.0M $501.0M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced Item 2.02
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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