Saturday 17 October 2026
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PennyMac Financial Services, Inc.
PFSI Financial Mortgage Finance
PennyMac Financial Services, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.0 billion, up 28.4% from fiscal 2024. In the quarter to June 2026, revenue grew 11.8%, EPS fell 84.1%, free cash flow grew 1,600.3% and total debt rose 14.2%, each against the same quarter a year earlier. Dividend growth for five consecutive years; insiders bought in the last twelve months.
60.32
0.87
−1.42%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
5.60 | 5.37 | 8.05 | 6.78 | 2.97 | 4.49 | 6.54 | 30.28 | 16.72 | 13.62 |
Piotroski F-Score |
2 | 3 | 4 | 3 | 7 | 5 | 7 | 2 | 2 | 5 |
P/S ratio |
0.40 | 0.56 | 0.72 | 1.80 | 1.33 | 1.41 | 1.54 | 3.13 | 3.27 | 3.33 |
P/FCF ratio |
0.00 | 0.00 | 2.18 | 0.00 | 0.00 | 1.72 | 0.51 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
0.38 | (2.27) | (4.45) | (4.80) | (2.17) | (21.50) | 6.26 | 10.20 | (2.42) | (3.61) |
P/B ratio |
0.27 | 0.31 | 0.43 | 1.29 | 1.46 | 1.30 | 0.88 | 1.24 | 1.36 | 1.58 |
Price to Tangible BV |
0.00 | 0.00 | 0.00 | 0.00 | 6.10 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Sales |
2.80 | 3.41 | 2.96 | 4.78 | 4.12 | 4.31 | 3.42 | 7.26 | 10.60 | 9.98 |
EV/EBITDA |
3.52 | 4.81 | 9.31 | 11.64 | 6.46 | 9.02 | 8.22 | 19.91 | 29.14 | 27.45 |
EV/Operating CF |
(2.78) | (3.68) | 5.09 | (3.15) | (2.46) | 5.33 | 1.13 | (6.43) | (3.73) | (12.37) |
EV/FCF |
(2.69) | (3.01) | 8.91 | (2.84) | (2.44) | 5.28 | 1.14 | (6.27) | (3.71) | (11.97) |
Quick Ratio |
0.32 | 0.17 | 0.17 | 0.16 | 0.31 | 0.18 | 0.53 | 0.37 | 0.26 | 0.34 |
Current Ratio |
0.32 | 0.17 | 0.17 | 0.16 | 0.31 | 0.18 | 0.53 | 0.37 | 0.26 | 0.34 |
Net Debt/EBITDA |
3.02 | 4.01 | 7.04 | 7.26 | 4.37 | 6.08 | 4.51 | 11.32 | 20.16 | 18.29 |
Debt/Assets |
47.17% | 39.67% | 33.09% | 45.75% | 34.39% | 50.87% | 30.14% | 35.72% | 47.33% | 48.74% |
Debt/Equity |
1.73 | 1.70 | 1.50 | 2.26 | 3.21 | 2.79 | 1.46 | 1.90 | 3.22 | 3.32 |
Asset Turnover |
0.22 | 0.15 | 0.13 | 0.17 | 0.18 | 0.13 | 0.11 | 0.08 | 0.07 | 0.07 |
Operating CF/Net income |
(14.20) | (8.77) | 6.53 | (5.71) | (3.76) | 2.55 | 12.69 | (10.94) | (14.56) | (3.30) |
Capex/Depreciation |
(0.10) | (0.68) | 15.11 | (11.36) | (1.01) | 0.36 | (1.20) | (0.38) | (0.22) | (0.50) |
| 5.37% | 6.46% | 5.20% | 21.15% | 60.43% | 29.48% | 13.80% | 4.13% | 8.45% | 12.31% | |
| 1.53% | 1.61% | 1.18% | 4.44% | 7.88% | 3.98% | 2.67% | 0.81% | 1.39% | 1.81% | |
ROIC |
7.27% | 5.48% | 5.34% | 5.66% | 10.51% | 7.16% | 6.57% | 2.81% | 1.94% | 2.24% |
Return on Tangible Assets |
(18.42%) | (10.44%) | (6.75%) | (29.18%) | (132.42%) | (63.83%) | (40.27%) | (8.99%) | (16.46%) | (35.80%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
3.79% | 5.44% | 6.10% | 4.60% | 3.04% | 4.47% | 7.05% | 10.21% | 9.38% | 7.95% |
Selling, General and Administrative Expense of Revenue |
39.22% | 39.41% | 43.76% | 36.65% | 21.89% | 35.96% | 43.07% | 46.74% | 43.46% | 42.37% |
Intangible Assets out of Total Assets |
0.32 | 0.29 | 0.38 | 0.29 | 0.08 | 0.21 | 0.35 | 0.38 | 0.34 | 0.33 |
Share Based Compensation of Revenue |
1.74% | 2.17% | 2.56% | 1.68% | 1.22% | 1.19% | 2.14% | 1.97% | 1.31% | 1.77% |
Graham Net Nets |
(9.56) | (10.09) | (7.79) | (2.96) | (5.61) | (3.37) | (3.92) | (3.27) | (4.15) | (3.57) |
Graham Number |
65.18 | 84.98 | 54.13 | 54.57 | 149.81 | 136.87 | 114.00 | 67.97 | 101.61 | 134.70 |
Earnings Yield |
17.85% | 18.62% | 12.42% | 14.75% | 33.71% | 22.27% | 15.29% | 3.30% | 5.98% | 7.34% |
Free Cash Flow Yield |
(261.01%) | (200.20%) | 45.88% | (93.33%) | (126.85%) | 58.09% | 194.20% | (36.95%) | (87.54%) | (25.03%) |
Revenue per Share |
42.05 | 41.19 | 29.37 | 18.89 | 49.30 | 49.65 | 37.42 | 28.05 | 31.26 | 39.56 |
Operating CF per Share |
(42.34) | (38.08) | 17.07 | (28.71) | (82.48) | 40.17 | 113.70 | (31.66) | (88.91) | (31.94) |
Capex per Share |
(1.38) | (8.47) | (7.32) | (3.06) | (0.77) | 0.38 | (1.57) | (0.70) | (0.43) | (0.99) |
Free Cash Flow per Share |
(43.72) | (46.55) | 9.75 | (31.77) | (83.24) | 40.55 | 112.13 | (32.36) | (89.34) | (32.93) |
Cash per Share |
8.36 | 8.96 | 8.15 | 3.36 | 7.29 | 5.44 | 25.27 | 18.98 | 12.92 | 13.76 |
Shareholders Equity per Share |
63.15 | 74.13 | 49.33 | 26.36 | 45.10 | 53.58 | 65.41 | 70.80 | 75.11 | 83.30 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
63.15 | 74.13 | 49.33 | 26.36 | 45.10 | 53.58 | 65.41 | 70.80 | 75.11 | 83.30 |
Free Cash Flow |
(968.86) | (1,079.85) | 326.97 | (2,484.56) | (6,256.52) | 2,587.04 | 5,950.15 | (1,617.39) | (4,555.37) | (1,703.19) |
Working Capital |
(390.03) | (994.82) | (1,333.16) | (1,346.69) | (1,243.64) | (1,572.13) | (1,180.93) | (1,608.98) | (1,892.57) | (1,399.54) |
Capital Expenditures |
(30.53) | (196.44) | (245.43) | (239.44) | (57.58) | 23.98 | (83.09) | (35.17) | (22.10) | (51.20) |
Net Current Asset Value |
(3,549.21) | (5,440.61) | (5,551.67) | (7,879.61) | (27,660.48) | (15,011.35) | (12,010.81) | (14,357.32) | (21,598.20) | (24,367.99) |
EV/EBIT |
6.17 | 8.37 | 8.85 | 12.06 | 6.62 | 9.44 | 8.97 | 24.25 | 35.10 | 31.81 |
Capex to Sales |
0.03 | 0.21 | 0.25 | 0.16 | 0.02 | (0.01) | 0.04 | 0.03 | 0.01 | 0.03 |
Price to Operating Income |
0.88 | 1.39 | 2.17 | 4.54 | 2.14 | 3.08 | 4.05 | 10.46 | 10.82 | 10.62 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
10.13 | 9.78 | (0.49) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
(24.18%) | (22.26%) | 7.43% | (35.53%) | (42.26%) | 19.43% | 60.21% | (14.42%) | (27.06%) | (8.80%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.97 | 1.13 | 1.24 | 1.70 | 1.97 | 1.32 | 0.66 | 0.46 | 0.67 | 0.75 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
453.32 | 288.41 | 346.61 | 226.83 | 236.14 | 297.73 | 544.42 | 892.78 | 478.96 | 627.37 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
112.26 | 121.88 | 132.68 | 165.74 | 241.84 | 333.91 | 353.66 | 398.90 | 402.16 | 499.16 |
Average Assets |
4,319.60 | 6,251.00 | 7,423.33 | 8,841.30 | 20,900.91 | 25,187.20 | 17,799.60 | 17,833.57 | 22,465.73 | 27,737.79 |
Average Common Equity |
1,230.85 | 1,559.52 | 1,686.73 | 1,857.65 | 2,725.45 | 3,403.86 | 3,444.69 | 3,504.83 | 3,684.13 | 4,069.31 |
Columns are period end dates