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) Operating margin
PennyMac Financial Services, Inc.'s operating margin over the twelve months to 30 September 2026 was 20.4%, down 11.0 percentage points from fiscal 2025 (31.4%). Over the past ten years it has ranged from 29.9% (fiscal 2023) to 62.2% (fiscal 2020); the current reading is higher than 27% of that period. That is above the Mortgage Finance industry median of 1.91% and above the Financial sector median of 0.00%.
Operating margin, annual
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Annual newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| FY2025 | 31.4% | 1.17 |
| FY2024 | 30.2% | 0.28 |
| FY2023 | 29.9% | (8.21) |
| FY2022 | 38.1% | (7.53) |
| FY2021 | 45.7% | (16.53) |
| FY2020 | 62.2% | 22.54 |
| FY2019 | 39.7% | 6.23 |
| FY2018 | 33.4% | (7.26) |
| FY2017 | 40.7% | (4.67) |
| FY2016 | 45.4% | 2.30 |
Quarterly newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| Sep 2026 | 14.3% | 2.10 |
| Jun 2026 | 12.2% | (11.49) |
| Mar 2026 | 23.7% | (6.21) |
| Dec 2025 | 29.9% | (11.21) |
| 43 more quarters | Free account |
Against its own ten years
Operating margin against peers
| Company | Operating margin |
|---|---|
| GHI Greystone Housing Impact Investors LP compare | 69.1% |
| RKT Rocket Companies, Inc. compare | 25.4% |
| UWMC UWM Holdings Corporation compare | 20.7% |
| PFSI PennyMac Financial Services, Inc. | 20.4% |
| LDI loanDepot, Inc. compare | 5.49% |
| WD Walker & Dunlop, Inc. compare | 1.91% |
| BETR Better Home & Finance Holding Company compare | 0.00% |
| VEL Velocity Financial, Inc. compare | 0.00% |
| ONIT Onity Group Inc. compare | 0.00% |
| Mortgage Finance industry median | 1.91% |
| Financial sector median | 0.00% |
| Market median | 0.00% |
What Operating margin is
EBIT Margin tells an investor how much operating profit, before interest and taxes, a company keeps from each unit of revenue.
EBIT ÷ Revenue
More on PFSI
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross 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
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement