stockrowPennyMac 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
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PennyMac Financial Services, Inc. (PFSI) Debt to equity
PennyMac Financial Services, Inc.'s debt to equity at the end of the quarter to 30 September 2026 was 3.1×, down 0.2× from fiscal 2025 (3.3×). Over the past ten years it has ranged from 1.3× (fiscal 2015) to 3.3× (fiscal 2025) — the current reading is the highest in ten years. That is above the Mortgage Finance industry median of 0.9× and above the Financial sector median of 0.2×.
Debt to equity, annual
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Annual newest first
| Period | Debt to equity | Change |
|---|---|---|
| FY2025 | 3.3× | 3.10% |
| FY2024 | 3.2× | 69.49% |
| FY2023 | 1.9× | 30.21% |
| FY2022 | 1.5× | (47.72%) |
| FY2021 | 2.8× | (12.85%) |
| FY2020 | 3.2× | 41.60% |
| FY2019 | 2.3× | 51.32% |
| FY2018 | 1.5× | (11.97%) |
| FY2017 | 1.7× | (1.78%) |
| FY2016 | 1.7× | 31.04% |
Quarterly newest first
| Period | Debt to equity | Change |
|---|---|---|
| Sep 2026 | 3.1× | (3.04%) |
| Jun 2026 | 3.2× | (11.28%) |
| Mar 2026 | 3.6× | 9.23% |
| Dec 2025 | 3.3× | 10.47% |
| 43 more quarters | Free account |
Against its own ten years
Debt to equity against peers
| Company | Debt to equity |
|---|---|
| ONIT Onity Group Inc. compare | 0.0× |
| VEL Velocity Financial, Inc. compare | 0.0× |
| BETR Better Home & Finance Holding Company compare | 0.0× |
| WD Walker & Dunlop, Inc. compare | 0.9× |
| RKT Rocket Companies, Inc. compare | 1.0× |
| PFSI PennyMac Financial Services, Inc. | 3.1× |
| GHI Greystone Housing Impact Investors LP compare | 3.8× |
| UWMC UWM Holdings Corporation compare | 14.9× |
| LDI loanDepot, Inc. compare | 17.9× |
| Mortgage Finance industry median | 0.9× |
| Financial sector median | 0.2× |
| Market median | 0.1× |
What Debt to equity is
Debt to Equity Ratio shows how much a company relies on borrowed money compared with the money its shareholders have in the business.
(Long Term Debt (Total) + Current Part of Debt) ÷ Shareholders Equity (Total)
More on PFSI
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement