PFSI · Pennymac Financial Services, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $544.98M | - | $632.90M | $444.73M | $430.90M | - | $411.83M | $406.13M | $305.66M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | $440.29M | - | $396.52M | $368.29M | $326.71M | - | $317.91M | $272.27M | $261.78M | - |
| D&A | $13.51M | - | - | - | $13.90M | - | - | - | $14.16M | - |
| Operating Income | $104.69M | - | $236.37M | $76.44M | $104.20M | - | $93.92M | $133.85M | $43.88M | - |
| Interest Expense | - | - | - | - | - | - | - | $207.87M | $165.77M | - |
| Income Tax | $22.37M | - | $54.87M | ($60.02M) | $27.92M | - | $24.56M | $35.60M | $4.58M | - |
| Net Income | $82.32M | - | $181.50M | $136.46M | $76.28M | - | $69.37M | $98.26M | $39.31M | - |
| EPS - Basic | $1.58 | - | $3.51 | $2.64 | $1.48 | - | $1.36 | $1.93 | $0.78 | - |
| EPS - Diluted | $1.53 | - | $3.37 | $2.54 | $1.42 | - | $1.30 | $1.85 | $0.74 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $219.51M | $301.68M | $621.92M | $162.19M | $211.09M | $238.48M | $145.81M | $595.34M | $927.39M | $938.37M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $31.94B | $29.39B | $25.40B | $24.22B | $23.87B | $26.09B | $22.87B | $21.58B | $19.80B | $18.84B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $6.23B | $6.23B | $6.23B | $5.58B | $5.78B | $5.25B | $4.93B | $4.93B | $4.53B | $4.43B |
| Total Liabilities | $27.62B | $25.08B | $21.19B | $20.19B | $19.97B | $22.26B | $19.13B | $17.92B | $16.23B | $15.31B |
| Stockholders' Equity | $4.33B | $4.31B | $4.21B | $4.03B | $3.90B | $3.83B | $3.74B | $3.66B | $3.57B | $3.54B |
| Retained Earnings | $4.28B | $4.21B | $4.12B | $3.96B | $3.83B | $3.77B | $3.68B | $3.63B | $3.54B | $3.51B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($1.34B) | - | - | - | $1.07B | - | - | - | ($897.94M) | - |
| Investing Cash Flow | ($144.53M) | - | - | - | $30.38M | - | - | - | ($782.61M) | - |
| Financing Cash Flow | $1.40B | - | - | - | ($1.12B) | - | - | - | $1.67B | - |
| CapEx | $2.25M | - | - | - | $371.0K | - | - | - | $918.0K | - |
| Free Cash Flow | ($1.34B) | - | - | - | $1.07B | - | - | - | ($898.86M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 19.2% | - | 37.3% | 17.2% | 24.2% | - | 22.8% | 33.0% | 14.4% | - |
| EBITDA margin | 21.7% | - | - | - | 27.4% | - | - | - | 19.0% | - |
| Net margin | 15.1% | - | 28.7% | 30.7% | 17.7% | - | 16.8% | 24.2% | 12.9% | - |
| Free cash flow margin | -246.7% | - | - | - | 247.3% | - | - | - | -294.1% | - |
| FCF / Net income | -16.33 | - | - | - | 13.97 | - | - | - | -22.87 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 21.4% | - | 23.2% | -78.5% | 26.8% | - | 26.1% | 26.6% | 10.4% | - |
| Return on assets | 0.3% | - | 0.7% | 0.6% | 0.3% | - | 0.3% | 0.5% | 0.2% | - |
| Return on equity | 1.9% | - | 4.3% | 3.4% | 2.0% | - | 1.9% | 2.7% | 1.1% | - |
| Return on invested capital | 0.8% | - | 1.7% | 0.8% | 0.8% | - | 0.8% | 1.1% | 0.5% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 1.44 | 1.45 | 1.48 | 1.38 | 1.48 | 1.37 | 1.32 | 1.35 | 1.27 | 1.25 |
| Debt / Assets | 0.20 | 0.21 | 0.25 | 0.23 | 0.24 | 0.20 | 0.22 | 0.23 | 0.23 | 0.24 |
| Debt / EBITDA | 52.71 | - | - | - | 48.94 | - | - | - | 78.04 | - |
| Interest coverage | - | - | - | - | - | - | - | 0.6x | 0.3x | - |
| Equity multiplier | 7.38 | 6.82 | 6.04 | 6.01 | 6.12 | 6.81 | 6.12 | 5.89 | 5.55 | 5.33 |
| Liabilities / Assets | 0.86 | 0.85 | 0.83 | 0.83 | 0.84 | 0.85 | 0.84 | 0.83 | 0.82 | 0.81 |
| Efficiency | ||||||||||
| Asset turnover | 0.02 | - | 0.02 | 0.02 | 0.02 | - | 0.02 | 0.02 | 0.02 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 57.1x | - | 36.8x | 39.2x | 70.5x | - | 87.7x | 51.1x | 123.1x | - |
| P / B | 1.1x | - | 1.6x | 1.3x | 1.4x | - | 1.6x | 1.4x | 1.4x | - |
| P / S | 8.6x | - | 10.5x | 12.0x | 12.5x | - | 14.8x | 12.4x | 15.8x | - |
| EV / EBITDA | 90.7x | - | - | - | 92.6x | - | - | - | 145.4x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 26.5% | - | 53.7% | 9.5% | 41.0% | - | 2.9% | 20.7% | 0.9% | - |
| Revenue CAGR (3y) | 21.6% | - | 9.9% | -4.6% | -13.1% | - | -19.4% | -18.2% | -31.3% | - |
| Revenue CAGR (5y) | -10.4% | - | -10.8% | -11.6% | -9.8% | - | -1.1% | 10.7% | 4.3% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 0.5% | - | 151.7% | -42.9% | 137.4% | - | -25.9% | 83.6% | 15.0% | - |
| Net income growth (YoY) | 7.9% | - | 161.7% | 38.9% | 94.1% | - | -25.3% | 68.7% | 29.4% | - |
| EPS growth (YoY) | 7.7% | - | 159.2% | 37.3% | 91.9% | - | -26.6% | 66.7% | 29.8% | - |
| EPS CAGR (3y) | 39.0% | - | 11.1% | 3.7% | -21.5% | - | -30.1% | -14.3% | -47.6% | - |
| EPS CAGR (5y) | -21.6% | - | -13.7% | -10.4% | -17.6% | - | -3.0% | 15.0% | 5.0% | - |
| FCF growth (YoY) | - | - | - | - | - | - | - | - | 72.5% | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 10.8% | 12.5% | 12.5% | 10.1% | 9.3% | 8.2% | 4.7% | 5.2% | 3.4% | 1.9% |
Peer comparison
Same SIC group: Mortgage Bankers & Loan Correspondents
Comparing PennyMac Financial Services against the 5 most active filers in the same SIC group.
Dividends
$1.20/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| May 18, 2026 | $0.3000 |
| Feb 13, 2026 | $0.3000 |
| Nov 17, 2025 | $0.3000 |
| Aug 13, 2025 | $0.3000 |
| May 14, 2025 | $0.3000 |
| Feb 13, 2025 | $0.3000 |
| Nov 18, 2024 | $0.3000 |
| Aug 13, 2024 | $0.3000 |
| May 13, 2024 | $0.2000 |
| Feb 12, 2024 | $0.2000 |
| Nov 10, 2023 | $0.2000 |
| Aug 14, 2023 | $0.2000 |
| May 15, 2023 | $0.2000 |
| Feb 13, 2023 | $0.2000 |
| Nov 10, 2022 | $0.2000 |
| Aug 15, 2022 | $0.2000 |
| May 16, 2022 | $0.2000 |
| Feb 14, 2022 | $0.2000 |
| Nov 12, 2021 | $0.2000 |
| Aug 13, 2021 | $0.2000 |
| May 14, 2021 | $0.2000 |
| Feb 11, 2021 | $0.2000 |
| Nov 13, 2020 | $0.1500 |
| Aug 14, 2020 | $0.1500 |