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) Return on equity
PennyMac Financial Services, Inc.'s return on equity over the twelve months to 30 September 2026 was 5.59%, down 6.7 percentage points from fiscal 2025 (12.3%). Over the past ten years it has ranged from 4.13% (fiscal 2023) to 60.4% (fiscal 2020); the current reading is higher than 64% of that period. That is above the Mortgage Finance industry median of −1.94% and below the Financial sector median of 9.13%.
Return on equity, annual
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Annual newest first
| Period | Return on equity | Change (points) |
|---|---|---|
| FY2025 | 12.3% | 3.86 |
| FY2024 | 8.45% | 4.32 |
| FY2023 | 4.13% | (9.67) |
| FY2022 | 13.8% | (15.68) |
| FY2021 | 29.5% | (30.95) |
| FY2020 | 60.4% | 39.28 |
| FY2019 | 21.2% | 15.95 |
| FY2018 | 5.20% | (1.26) |
| FY2017 | 6.46% | 1.09 |
| FY2016 | 5.37% | 0.32 |
Against its own ten years
Return on equity against peers
| Company | Return on equity |
|---|---|
| ONIT Onity Group Inc. compare | 22.2% |
| RKT Rocket Companies, Inc. compare | 7.86% |
| PFSI PennyMac Financial Services, Inc. | 5.59% |
| VEL Velocity Financial, Inc. compare | 0.00% |
| WD Walker & Dunlop, Inc. compare | −1.94% |
| GHI Greystone Housing Impact Investors LP compare | −2.32% |
| UWMC UWM Holdings Corporation compare | −2.72% |
| LDI loanDepot, Inc. compare | −18.0% |
| BETR Better Home & Finance Holding Company compare | −267.7% |
| Mortgage Finance industry median | −1.94% |
| Financial sector median | 9.13% |
| Market median | 1.01% |
What Return on equity is
ROE shows how much profit a company earns for its shareholders on the equity they have in the business.
Annual: Net Income Allotted to Shareholders ÷ Average Common Equity; TTM: Net Income Allotted to Shareholders ÷ Average Common Equity (latest quarter)
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 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