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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) P/B ratio

Alert me on P/B ratio

As of 6 November 2026, PennyMac Financial Services, Inc. (PFSI) trades at a P/B ratio of 0.8×. Over the past ten years it has ranged from 0.2× (July 2016) to 1.9× (January 2026); the current reading is higher than 40% of that period. That is above the Mortgage Finance industry median of 0.5× and below the Financial sector median of 1.3×.

P/B ratio, daily

Embed this chart

Annual newest first

Period P/B ratio Change
FY2025 1.6× 16.38%
FY2024 1.4× 9.66%
FY2023 1.2× 40.49%
FY2022 0.9× (32.23%)
FY2021 1.3× (10.49%)
FY2020 1.5× 12.68%
FY2019 1.3× 199.63%
FY2018 0.4× 37.39%
FY2017 0.3× 18.24%
FY2016 0.3× (15.64%)

Quarterly newest first

Period P/B ratio Change
Sep 2026 0.7× (29.43%)
Jun 2026 1.0× (0.98%)
Mar 2026 1.1× (33.45%)
Dec 2025 1.6× 3.93%
43 more quarters

Against its own ten years

Low 0.2× High 1.9×
Ten-year median 1.0×
Current reading's percentile 34

P/B ratio against peers

Company P/B ratio
GHI Greystone Housing Impact Investors LP compare 0.4×
ONIT Onity Group Inc. compare 0.4×
LDI loanDepot, Inc. compare 0.4×
UWMC UWM Holdings Corporation compare 0.5×
WD Walker & Dunlop, Inc. compare 0.8×
PFSI PennyMac Financial Services, Inc. 0.8×
VEL Velocity Financial, Inc. compare 0.9×
RKT Rocket Companies, Inc. compare 1.8×
BETR Better Home & Finance Holding Company compare 6.2×
Mortgage Finance industry median 0.5×
Financial sector median 1.3×
Market median 1.7×

What P/B ratio is

Price to Book Value tells an investor how much the market pays for a company’s shares relative to the accounting net worth that belongs to common shareholders.

Stock Price ÷ (Common Equity (Total) (latest quarter) ÷ Shares (Basic, Weighted) (latest quarter))

The full definition of P/B ratio →

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