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
Follow PFSI
Alert me
PennyMac Financial Services, Inc. (PFSI) Return on invested capital
PennyMac Financial Services, Inc.'s return on invested capital over the twelve months to 30 September 2026 was 1.51%, down 0.7 percentage points from fiscal 2025 (2.24%). Over the past ten years it has ranged from 1.94% (fiscal 2024) to 10.5% (fiscal 2020); the current reading is higher than 18% of that period. That is above the Mortgage Finance industry median of 0.00% and below the Financial sector median of 4.69%.
Return on invested capital, annual
Embed this chart
Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 2.24% | 0.30 |
| FY2024 | 1.94% | (0.87) |
| FY2023 | 2.81% | (3.76) |
| FY2022 | 6.57% | (0.59) |
| FY2021 | 7.16% | (3.35) |
| FY2020 | 10.5% | 4.85 |
| FY2019 | 5.66% | 0.32 |
| FY2018 | 5.34% | (0.14) |
| FY2017 | 5.48% | (1.79) |
| FY2016 | 7.27% | (1.03) |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| RKT Rocket Companies, Inc. compare | 2.91% |
| GHI Greystone Housing Impact Investors LP compare | 2.87% |
| UWMC UWM Holdings Corporation compare | 1.91% |
| PFSI PennyMac Financial Services, Inc. | 1.51% |
| LDI loanDepot, Inc. compare | 0.72% |
| BETR Better Home & Finance Holding Company compare | 0.00% |
| ONIT Onity Group Inc. compare | 0.00% |
| WD Walker & Dunlop, Inc. compare | −0.85% |
| VEL Velocity Financial, Inc. compare | −3.59% |
| Mortgage Finance industry median | 0.00% |
| Financial sector median | 4.69% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
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
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement