PennyMac Financial Services, Inc.
PFSI NYSE· Mortgage Bankers & Loan Correspondents
Last close · Oct 23, 2026
$63.68
KIRA · Stoqly’s AI analyst, in plain words
- PennyMac Financial Services, Inc. had $20.1M of revenue in fiscal 2025, down 25.2% on the year before. Over five years, revenue changed +24.4% a year on average.
- PennyMac Financial Services, Inc. made $501M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 13.7% a year.
- Free cash flow was −$1.7B in fiscal 2025, −8,274.8% of revenue.
- PennyMac Financial Services, Inc. returned $67.3M to shareholders in fiscal 2025. The diluted share count rose 1.0%.
- PennyMac Financial Services, Inc. owes $5.5B more than it holds in cash.
Market cap
$3.4B
P/E
8.7x
Revenue
$20.1M
Net income
$501M
Free cash flow
−$1.7B
Operating margin
—
PennyMac Financial Services, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−25.2%
No. Sales fell 25.2% last year.
Does it make a profit?
2,491.9%
Yes. It keeps 2,491.9% of every sale as profit.
Does profit turn into cash?
−8,274.8%
No. It spent more cash than it brought in.
How healthy are the accounts?
2 / 7
Weak. It passes 2 of 7 health tests.
How is the share priced?
8.7x
One share costs 8.7 times its yearly profit per share.
What PennyMac Financial Services, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 20, 2026
- Legal name
- PennyMac Financial Services, Inc.
- CIK
- 0001745916
PennyMac Financial Services, Inc. · PFSI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $7.3M | $12.4M | $13.4M | $26.9M | $20.1M |
| Revenue growth | 8.7% | 69.2% | 8.2% | 100.5% | −25.2% |
| Net interest income | −$90.5M | −$41.4M | −$4.9M | −$25.8M | −$36.1M |
| Net income | $1.0B | $476M | $145M | $311M | $501M |
| Net margin | 13,699.5% | 3,837.2% | 1,079.3% | 1,159.1% | 2,491.9% |
| Diluted EPS | $14.87 | $8.50 | $2.74 | $5.84 | $9.30 |
| Cash | |||||
| Cash from operations | $2.6B | $6.0B | −$1.6B | −$4.5B | −$1.7B |
| Capital expenditure | $7.9M | $7.2M | $1.4M | $1.7M | $11.9M |
| Free cash flow | $2.6B | $6.0B | −$1.6B | −$4.5B | −$1.7B |
| FCF margin | 34,882.8% | 48,628.8% | −11,815.3% | −16,878.8% | −8,274.8% |
| Dividends paid | $52.9M | $54.6M | $41.4M | $52.2M | $62.6M |
| Share buybacks | $958M | $406M | $71.5M | — | $4.7M |
| Share count change | −14.3% | −17.1% | −5.7% | 1.2% | 1.0% |
| Debt and strength | |||||
| Cash and short-term investments | $347M | $1.3B | $949M | $659M | $712M |
| Debt incl. finance leases | $3.1B | $3.8B | $4.4B | $5.3B | $6.2B |
| Shareholders' equity | $3.4B | $3.5B | $3.5B | $3.8B | $4.3B |
| Returns and quality | |||||
| Return on equity | 29.5% | 13.8% | 4.1% | 8.5% | 12.3% |
| Return on tangible equity | 29.4% | 13.7% | 4.1% | 8.1% | 11.6% |
| Piotroski F-score | — | 5 | 2 | 4 | 2 |
Insiders bought, 12 months
$0.2M
1 insider
Insiders sold, 12 months
$16.7M
5 insiders
Of sales under plans
60%
$10.1M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
PennyMac Financial Services, Inc. · PFSI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $63.68 a share, the company is worth $3.4B: 8.7 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001745916). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.