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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.

Revenue
−25.9%
EPS
−84.3%
Free cash flow
+218.4%
Total debt
+7.47%

Quarter to September 2026, against a year earlier

65.59 1.50 −2.24%
Market cap
$3.5B
P/E
14.2×
Fwd P/E
15.8×
Dividend yield
1.84%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

PennyMac Financial Services, Inc. (PFSI) Current ratio

Alert me on Current ratio

PennyMac Financial Services, Inc.'s current ratio at the end of the quarter to 30 September 2026 was 0.3×, down 0.0× from fiscal 2025 (0.3×). Over the past ten years it has ranged from 0.2× (fiscal 2019) to 0.5× (fiscal 2022); the current reading is higher than 73% of that period. That is below the Mortgage Finance industry median of 1.1× and below the Financial sector median of 0.9×.

Current ratio, annual

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Annual newest first

Period Current ratio Change
FY2025 0.3× 30.51%
FY2024 0.3× (30.36%)
FY2023 0.4× (30.24%)
FY2022 0.5× 194.08%
FY2021 0.2× (40.88%)
FY2020 0.3× 87.26%
FY2019 0.2× (3.94%)
FY2018 0.2× (1.62%)
FY2017 0.2× (46.35%)
FY2016 0.3× (8.39%)

Quarterly newest first

Period Current ratio Change
Sep 2026 0.3× (24.32%)
Jun 2026 0.4× 16.60%
Mar 2026 0.3× (3.27%)
Dec 2025 0.3× (6.08%)
43 more quarters

Against its own ten years

Low 0.2× High 0.5×
Ten-year median 0.3×
Current reading's percentile 73

Current ratio against peers

Company Current ratio
GHI Greystone Housing Impact Investors LP compare 8.9×
RKT Rocket Companies, Inc. compare 3.8×
UWMC UWM Holdings Corporation compare 1.6×
LDI loanDepot, Inc. compare 1.1×
BETR Better Home & Finance Holding Company compare 0.9×
PFSI PennyMac Financial Services, Inc. 0.3×
WD Walker & Dunlop, Inc. compare 0.0×
VEL Velocity Financial, Inc. compare 0.0×
ONIT Onity Group Inc. compare 0.0×
Mortgage Finance industry median 1.1×
Financial sector median 0.9×
Market median 1.6×

What Current ratio is

Current Ratio shows whether a company’s short-term assets are enough to cover the bills and debts it must pay within the next year.

Current Assets (Total) ÷ Current Liabilities (Total)

The full definition of Current ratio →

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