What is PennyMac Financial Services, Inc.'s earnings per share (EPS)?

PennyMac Financial Services, Inc. (PFSI) reported diluted earnings per share of $9.30 for fiscal year 2025. This represents a 59.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

PennyMac Financial Services, Inc. (PFSI) Financials

PFSI

Trailing 12 months to June 30, 2026

Revenue $2.2B +25.9% YoY

Net Income $392.4M +1.5% YoY

EPS (Diluted) $7.27 +0.7% YoY

Free Cash Flow -$1.8B n/m YoY

Market Cap $3.3B as of Oct 22, 2026

Price / Sales 1.5x on $2.2B revenue, trailing 12 months to June 30, 2026

Price / Earnings 8.4x on $392.4M net income, trailing 12 months to June 30, 2026

Price / Book 0.8x on $4.3B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 22, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 4, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PFSI SEC filings page.

PennyMac Financial Services, Inc. (PFSI) reported $2.2B in revenue over the twelve months to Jun 30, 2026, up 25.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PFSI FY2025 2026-10-03

The business earns accounting profits while requiring expanding balance-sheet funding, so leverage and cash generation matter more than margins.

From FY2023 through FY2025, net income recovered from $145M to $501M. Yet operating cash flow remained negative at -$1.58B and -$1.65B in those years, meaning the earnings recovery did not arrive as cash.

Assets grew 56% from FY2023 to FY2025 while revenue grew 46%; the balance sheet expanded faster than the income stream. That makes the reported 1.7% ROA more informative than revenue growth alone: earnings are being produced on a large, growing asset base.

Debt-to-equity rose 0.2x from FY2023 to FY2025 as interest expense reached $961M in FY2025, indicating financing became a larger claim alongside leverage. Free cash flow was still negative at $1.66B despite $501M of net income, reinforcing that reported profit and cash generation followed different tracks.

Financial Health Signals

Financial Health Score (4 of 6 dimensions) 48/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of PennyMac Financial Services, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Growth

PennyMac Financial Services, Inc.'s revenue surged 28.4% year-over-year to $2.0B, reflecting rapid business expansion. This strong growth earns a score of 82/100.

Leverage

PennyMac Financial Services, Inc. has a moderate D/E ratio of 1.45. This balance of debt and equity financing earns a leverage score of 38/100.

Liquidity

n/a

Not available for PennyMac Financial Services, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Cash Flow

PennyMac Financial Services, Inc.'s operations used $1.7B of cash, and capex of $11.9M added to the outflow, for a free cash flow shortfall of $1.7B. This results in a cash flow score of 3/100.

Returns

n/a

Not available for PennyMac Financial Services, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Piotroski F-Score Partial

3/7

PennyMac Financial Services, Inc. passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.

Earnings Quality No Cash Backing

$3.30used

For every $1 of reported earnings, PennyMac Financial Services, Inc. used $3.30 of operating cash (-$1.7B OCF vs $501.1M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.

Key Financial Metrics

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Earnings & Revenue

Revenue

$497.0M

YoY+11.7%

QoQ-8.8%

5Y CAGR-7.7%

PennyMac Financial Services, Inc. generated $497.0M in revenue in Q2 2026. This represents an increase of 11.7% from the same quarter a year earlier. Against the prior quarter it is down 8.8%.

Net Income

$21.7M

YoY-84.1%

QoQ-73.6%

5Y CAGR-36.1%

PennyMac Financial Services, Inc. reported $21.7M in net income in Q2 2026. This represents a decrease of 84.1% from the same quarter a year earlier. Against the prior quarter it is down 73.6%.

EPS (Diluted)

$0.41

YoY-83.9%

QoQ-73.2%

5Y CAGR-32.6%

PennyMac Financial Services, Inc. earned $0.41 per diluted share (EPS) in Q2 2026. This represents a decrease of 83.9% from the same quarter a year earlier. Against the prior quarter it is down 73.2%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$2.1B

YoYn/m

QoQn/m

5Y CAGR-3.7%

PennyMac Financial Services, Inc. generated $2.1B in free cash flow in Q2 2026, representing cash available after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Cash & Debt

$214.3M

YoY+32.1%

QoQ-2.4%

5Y CAGR-7.9%

PennyMac Financial Services, Inc. held $214.3M in cash against $6.3B in long-term debt as of Q2 2026.

Dividends Per Share

$0.30

YoY0.0%

QoQ0.0%

PennyMac Financial Services, Inc. paid $0.30 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

52M

YoY+0.5%

QoQ+0.1%

5Y CAGR-3.5%

PennyMac Financial Services, Inc. had 52M shares outstanding in Q2 2026. This represents an increase of 0.5% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Margins & Returns

Net Margin

4.4%

YoY-26.3pp

QoQ-10.7pp

5Y change-23.1pp

PennyMac Financial Services, Inc.'s net profit margin was 4.4% in Q2 2026, showing the share of revenue converted to profit. This is down 26.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 10.7 percentage points.

Return on Equity

0.5%

YoY-2.9pp

QoQ-1.4pp

5Y change-5.3pp

PennyMac Financial Services, Inc.'s quarterly ROE was 0.5% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 2.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

QoQ-100.0%

PennyMac Financial Services, Inc. repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.

Capital Expenditures

$3.4M

YoY+158.6%

QoQ+50.0%

5Y CAGR+7.9%

PennyMac Financial Services, Inc. invested $3.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 158.6% from the same quarter a year earlier. Against the prior quarter it is up 50.0%.

R&D Spending

Not reported for Q2 2026.

PFSI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PFSI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Revenue	$2.2B	$2.0B+28.4%	$1.6B+13.7%	$1.4B-29.4%	$2.0B-37.3%	$3.2B-14.5%	$3.7B+150.8%	$1.5B+50.0%	$984.6M+3.1%	$955.5M+2.5%	$931.9M
Interest Expense	$1.0B	$960.6M+17.2%	$819.3M+28.5%	$637.8M+90.1%	$335.4M-14.1%	$390.7M+43.9%	$271.6M+28.1%	$212.0M+46.6%	$144.6M+0.1%	$144.5M+36.1%	$106.2M
Income Tax	$114.6M	$50.3M-43.8%	$89.6M+129.9%	$39.0M-79.5%	$189.7M-46.7%	$355.7M-40.1%	$593.7M+335.0%	$136.5M+486.9%	$23.3M-4.6%	$24.4M-47.1%	$46.1M
Net Income	$392.4M	$501.1M+60.9%	$311.4M+115.3%	$144.7M-69.6%	$475.5M-52.6%	$1.0B-39.1%	$1.6B+319.1%	$393.0M+348.1%	$87.7M-13.0%	$100.8M+52.5%	$66.1M
EPS (Basic)	N/A	$9.69+58.6%	$6.11+111.4%	$2.89-67.7%	$8.96-43.0%	$15.73-28.2%	$21.91+336.5%	$5.02	$2.62-39.6%	$4.34	$2.98
EPS (Diluted)	$7.27	$9.30+59.2%	$5.84+113.1%	$2.74-67.8%	$8.50-42.8%	$14.87-28.9%	$20.92+327.8%	$4.89	$2.59-35.7%	$4.03	$2.94
Diluted Shares (Avg)	N/A	54M+1.0%	53M+1.2%	53M-5.7%	56M-17.1%	67M-14.3%	79M-2.0%	80M	35M+41.3%	25M	77M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$497.0M+11.7%	$545.0M+26.5%	$538.0M+14.4%	$632.9M+53.7%	$444.7M+9.5%	$430.9M+41.0%	$470.1M+29.9%	$411.8M+2.9%
Interest Expense	$270.7M+13.0%	$249.7M+20.0%	$263.0M+15.3%	$249.9M+14.8%	$239.6M+15.3%	$208.1M+25.5%	$228.1M+33.8%	$217.6M+38.7%
Income Tax	$9.8Mn/m	$22.4M-19.9%	$27.6M+10.9%	$54.9M+123.4%	-$60.0M-268.6%	$27.9M+510.2%	$24.9Mn/m	$24.6M-27.6%
Net Income	$21.7M-84.1%	$82.3M+7.9%	$106.8M+2.2%	$181.5M+161.7%	$136.5M+38.9%	$76.3M+94.1%	$104.5Mn/m	$69.4M-25.3%
EPS (Basic)	$0.42-84.1%	$1.58+6.8%	$2.05+0.5%	$3.51+158.1%	$2.64+36.8%	$1.48+89.7%	$2.04n/m	$1.36-26.9%
EPS (Diluted)	$0.41-83.9%	$1.53+7.7%	$1.960.0%	$3.37+159.2%	$2.54+37.3%	$1.42+91.9%	$1.96n/m	$1.30-26.6%
Diluted Shares (Avg)	53M-0.7%	54M+0.4%	N/A	54M+0.7%	54M+0.8%	54M+1.0%	N/A	53M+1.8%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

PFSI Balance Sheet

PFSI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Total Assets	$29.4B+12.7%	$26.1B+38.4%	$18.8B+12.0%	$16.8B-10.4%	$18.8B-40.6%	$31.6B+209.7%	$10.2B+36.4%	$7.5B+1.5%	$7.4B	N/A
Cash & Equivalents	$301.7M+26.5%	$238.5M-74.6%	$938.4M-29.4%	$1.3B+290.6%	$340.1M-36.2%	$532.8M+182.5%	$188.6M+20.9%	$155.9M+308.5%	$38.2M-61.7%	$99.6M
Short-Term Investments	$410.0M-2.5%	$420.6M+3995.8%	$10.3M-15.8%	$12.2M+77.4%	$6.9M-54.8%	$15.2M-79.6%	$74.6M-36.7%	$117.8M-30.7%	$170.1M	N/A
Total Liabilities	$25.1B+12.7%	$22.3B+45.4%	$15.3B+14.6%	$13.4B-13.1%	$15.4B-45.6%	$28.2B+246.4%	$8.1B+39.8%	$5.8B+3.1%	$5.6B	N/A
Long-Term Debt	$6.2B+18.6%	$5.3B+18.6%	$4.4B+18.1%	$3.8B+20.8%	$3.1B+139.5%	$1.3B-13.2%	$1.5B-9.4%	$1.6B+45.2%	$1.1B	N/A
Total Equity	$4.3B+12.5%	$3.8B+8.2%	$3.5B+1.9%	$3.5B+1.5%	$3.4B+0.9%	$3.4B+64.4%	$2.1B+24.7%	$1.7B+252.3%	$469.4M	N/A
Retained Earnings	$4.2B+11.6%	$3.8B+7.4%	$3.5B+1.2%	$3.5B+5.4%	$3.3B+40.6%	$2.3B+222.5%	$726.4M+111.7%	$343.1M+29.3%	$265.3M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$29.9B+23.3%	$31.9B+33.8%	$29.4B+12.7%	$25.4B+11.1%	$24.2B+12.3%	$23.9B+20.6%	$26.1B+38.4%	$22.9B+20.7%
Cash & Equivalents	$214.3M+32.1%	$219.5M+4.0%	$301.7M+26.5%	$621.9M+326.5%	$162.2M-72.8%	$211.1M-77.2%	$238.5M-74.6%	$145.8M-87.6%
Short-Term Investments	$534.3M+15.6%	$434.2M-2.1%	$410.0M-2.5%	$62.2M-90.7%	$462.3M+144.9%	$443.4M+642498.6%	$420.6M+3995.8%	$667.9M+11928.3%
Total Liabilities	$25.5B+26.4%	$27.6B+38.3%	$25.1B+12.7%	$21.2B+10.8%	$20.2B+12.7%	$20.0B+23.0%	$22.3B+45.4%	$19.1B+24.4%
Long-Term Debt	$6.3B+13.4%	$6.2B+7.8%	$6.2B+18.6%	$6.2B+26.4%	$5.6B+13.2%	$5.8B+27.6%	$5.3B+18.6%	$4.9B+10.0%
Total Equity	$4.3B+7.5%	$4.3B+10.8%	$4.3B+12.5%	$4.2B+12.5%	$4.0B+10.1%	$3.9B+9.3%	$3.8B+8.2%	$3.7B+4.7%
Retained Earnings	$4.3B+8.3%	$4.3B+11.6%	$4.2B+11.6%	$4.1B+11.8%	$4.0B+8.9%	$3.8B+8.2%	$3.8B+7.4%	$3.7B+3.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities.

PFSI Cash Flow Statement

PFSI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Operating Cash Flow	-$1.8B	-$1.7Bn/m	-$4.5Bn/m	-$1.6B-126.2%	$6.0B+135.4%	$2.6Bn/m	-$6.2Bn/m	-$2.2B-492.2%	$572.4Mn/m	-$883.4Mn/m	-$938.3M
Depreciation & Amortization	N/A	$54.4M-2.8%	$56.0M+5.2%	$53.2M+54.7%	$34.4M+20.1%	$28.6M+12.0%	$25.6M+70.3%	$15.0M+16.2%	$12.9M+54.0%	$8.4M+43.5%	$5.8M
Stock-Based Compensation	N/A	$36.2M+73.6%	$20.9M-24.3%	$27.6M-35.2%	$42.6M+12.6%	$37.8M-16.2%	$45.1M+82.1%	$24.8M-1.9%	$25.3M+22.0%	$20.7M+27.8%	$16.2M
Capital Expenditures	$15.9M	$11.9M+595.1%	$1.7M+23.7%	$1.4M-80.6%	$7.2M-9.4%	$7.9M-26.0%	$10.7M+74.2%	$6.1M-54.4%	$13.4M+97.6%	$6.8M-68.9%	$21.9M
Free Cash Flow	-$1.8B	-$1.7Bn/m	-$4.5Bn/m	-$1.6B-126.3%	$6.0B+135.8%	$2.6Bn/m	-$6.2Bn/m	-$2.3B-502.7%	$559.0Mn/m	-$890.2Mn/m	-$960.2M
Investing Cash Flow	$145.9M	$552.5Mn/m	-$1.9Bn/m	-$273.3Mn/m	-$721.6Mn/m	-$304.4M-138.9%	$783.0M+426.3%	$148.8Mn/m	-$322.6Mn/m	-$339.2Mn/m	-$34.7M
Financing Cash Flow	$1.7B	$1.2B-79.7%	$5.7B+290.4%	$1.5Bn/m	-$4.3Bn/m	-$2.5B-142.6%	$5.8B+170.6%	$2.1Bn/m	-$132.0M-111.4%	$1.2B+20.1%	$967.2M
Dividends Paid	$63.2M	$62.5M+19.9%	$52.2M+25.9%	$41.4M-24.1%	$54.6M+3.3%	$52.9M+70.9%	$30.9M+218.8%	$9.7M-3.4%	$10.1M	N/A	N/A
Share Buybacks	N/A	$4.7M	N/A	$71.5M-82.4%	$406.1M-57.6%	$958.2M+183.9%	$337.5M+31858.2%	$1.1M-80.0%	$5.3M-38.4%	$8.6M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$2.1Bn/m	-$1.3B-225.9%	-$1.9Bn/m	-$697.4Mn/m	-$131.3Mn/m	$1.1Bn/m	-$2.1B-599.4%	-$393.7Mn/m
Depreciation & Amortization	$14.4M-2.1%	$13.5M-2.8%	$12.8M-7.3%	$13.0M-5.8%	$14.7M+3.4%	$13.9M-1.9%	$13.8M-1.9%	$13.8M+4.4%
Stock-Based Compensation	$4.5M-40.6%	$2.4M-77.9%	N/A	$9.9M-47.6%	$7.5Mn/m	$11.1M+141.9%	N/A	$18.9M+114.9%
Capital Expenditures	$3.4M+158.6%	$2.3M+506.5%	$8.2M+3194.4%	$2.1M+1302.0%	$1.3M+225.4%	$371K-59.6%	$248K-49.9%	$148K-43.1%
Free Cash Flow	$2.1Bn/m	-$1.3B-226.1%	-$1.9Bn/m	-$699.4Mn/m	-$132.6Mn/m	$1.1Bn/m	-$2.1B-600.0%	-$393.9Mn/m
Investing Cash Flow	-$389.1Mn/m	-$144.5M-575.7%	-$73.5Mn/m	$753.0Mn/m	-$157.4Mn/m	$30.4Mn/m	-$128.3M-222.6%	-$239.2Mn/m
Financing Cash Flow	-$1.8B-833.5%	$1.4Bn/m	$1.6B-30.7%	$404.1M+120.3%	$239.8M-84.0%	-$1.1B-167.3%	$2.4Bn/m	$183.4M-77.4%
Dividends Paid	$15.9M+0.5%	$15.6M+3.9%	$15.9M+1.6%	$15.8M+0.9%	$15.8M+52.0%	$15.0M+44.0%	$15.7M+53.1%	$15.7M+53.1%
Share Buybacks	$0	$50.0M	$0	N/A	N/A	N/A	N/A	N/A

PFSI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PFSI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K
Net Margin	24.5%+4.9pp	19.5%+9.2pp	10.3%-13.6pp	23.9%-7.7pp	31.7%-12.8pp	44.4%+17.8pp	26.6%+17.7pp	8.9%-1.6pp	10.5%+3.5pp	7.1%
Return on Equity	11.6%+3.5pp	8.1%+4.0pp	4.1%-9.6pp	13.7%-15.7pp	29.4%-19.2pp	48.6%+29.5pp	19.1%+13.8pp	5.3%-16.2pp	21.5%	N/A
Return on Assets	1.7%+0.5pp	1.2%+0.4pp	0.8%-2.1pp	2.8%-2.5pp	5.3%+0.1pp	5.2%+1.4pp	3.9%+2.7pp	1.2%-0.2pp	1.4%	N/A
Debt-to-Equity	1.45+0.1x	1.37+0.1x	1.25+0.2x	1.08+0.2x	0.91+0.5x	0.38-0.3x	0.72-0.3x	1.00-1.4x	2.42	N/A
Liabilities-to-Equity	5.820.0x	5.81+1.5x	4.33+0.5x	3.85-0.6x	4.49-3.8x	8.32+4.4x	3.95+0.4x	3.52-8.5x	12.03	N/A
Asset Turnover	0.070.0x	0.060.0x	0.070.0x	0.12-0.1x	0.17+0.1x	0.120.0x	0.140.0x	0.130.0x	0.13	N/A
FCF Margin	-81.3%	-284.6%	-113.0%	303.5%	80.7%	-167.6%	-152.4%	56.8%+149.9pp	-93.2%	-103.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	4.4%-26.3pp	15.1%-2.6pp	19.9%-2.4pp	28.7%+11.8pp	30.7%+6.5pp	17.7%+4.8pp	22.2%+32.4pp	16.8%-6.4pp
Return on Equity	0.5%-2.9pp	1.9%-0.1pp	2.5%-0.3pp	4.3%+2.5pp	3.4%+0.7pp	1.9%+0.9pp	2.7%+3.8pp	1.9%-0.7pp
Return on Assets	0.1%-0.5pp	0.3%-0.1pp	0.4%0.0pp	0.7%+0.4pp	0.6%+0.1pp	0.3%+0.1pp	0.4%+0.6pp	0.3%-0.2pp
Debt-to-Equity	1.46+0.1x	1.440.0x	1.45+0.1x	1.48+0.2x	1.380.0x	1.48+0.2x	1.37+0.1x	1.32+0.1x
Liabilities-to-Equity	5.88+0.9x	6.38+1.3x	5.820.0x	5.04-0.1x	5.01+0.1x	5.12+0.6x	5.81+1.5x	5.12+0.8x
Asset Turnover	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x	0.020.0x
FCF Margin	430.6%	-246.7%	-352.7%	-110.5%	-29.8%	247.3%	-457.1%	-95.6%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
PennyMac Financial Services, Inc. PFSI	FY2025	$2.0B	$501.1M	24.5%	$3.3B	48/100
Walker & Dunlop, Inc. WD	FY2025	$1.2B	$56.2M	4.6%	$1.2B	50/100
UWM Holdings Corporation UWMC	FY2025	$3.2B	$27.4M	0.9%	$1.8B	28/100
loanDepot, Inc. LDI	FY2025	$1.2B	-$62.6M	-5.3%	$255.5M	29/100

Where PennyMac Financial Services, Inc. Ranks

Frequently Asked Questions

What is PennyMac Financial Services, Inc.'s annual revenue?

PennyMac Financial Services, Inc. (PFSI) reported $2.0B in total revenue for fiscal year 2025. This represents a 28.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is PennyMac Financial Services, Inc.'s revenue growing?

PennyMac Financial Services, Inc. (PFSI) revenue grew by 28.4% year-over-year, from $1.6B to $2.0B in fiscal year 2025.

Is PennyMac Financial Services, Inc. profitable?

Yes, PennyMac Financial Services, Inc. (PFSI) reported a net income of $392.4M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $501.1M, with a net profit margin of 24.5%.

How much debt does PennyMac Financial Services, Inc. have?

As of fiscal year 2025, PennyMac Financial Services, Inc. (PFSI) had $301.7M in cash and equivalents against $6.2B in long-term debt.

What is PennyMac Financial Services, Inc.'s net profit margin?

PennyMac Financial Services, Inc. (PFSI) had a net profit margin of 24.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does PennyMac Financial Services, Inc. pay dividends?

Yes, PennyMac Financial Services, Inc. (PFSI) paid $1.20 per share in dividends during fiscal year 2025.

What is PennyMac Financial Services, Inc.'s return on equity (ROE)?

PennyMac Financial Services, Inc. (PFSI) has a return on equity of 11.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is PennyMac Financial Services, Inc.'s free cash flow?

PennyMac Financial Services, Inc. (PFSI) recorded an outflow of $1.7B in free cash flow during fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is PennyMac Financial Services, Inc.'s operating cash flow?

PennyMac Financial Services, Inc. (PFSI) recorded an outflow of $1.7B in operating cash flow during fiscal year 2025, representing cash used by core business activities.

What are PennyMac Financial Services, Inc.'s total assets?

PennyMac Financial Services, Inc. (PFSI) had $29.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are PennyMac Financial Services, Inc.'s capital expenditures?

PennyMac Financial Services, Inc. (PFSI) invested $11.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does PennyMac Financial Services, Inc. buy back shares?

Yes, PennyMac Financial Services, Inc. (PFSI) spent $4.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does PennyMac Financial Services, Inc. have outstanding?

PennyMac Financial Services, Inc. (PFSI) had 52M shares outstanding as of fiscal year 2025.

What is PennyMac Financial Services, Inc.'s debt-to-equity ratio?

PennyMac Financial Services, Inc. (PFSI) had a debt-to-equity ratio of 1.45 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is PennyMac Financial Services, Inc.'s liabilities-to-equity ratio?

PennyMac Financial Services, Inc. (PFSI) had a liabilities-to-equity ratio of 5.82 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is PennyMac Financial Services, Inc.'s return on assets (ROA)?

PennyMac Financial Services, Inc. (PFSI) had a return on assets of 1.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is PennyMac Financial Services, Inc.'s P/E ratio?

PennyMac Financial Services, Inc. (PFSI) trades at 8.4x earnings, its market capitalization divided by $392.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $3.3B as of Oct 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PennyMac Financial Services, Inc.'s price-to-sales ratio?

PennyMac Financial Services, Inc. (PFSI) trades at 1.5x sales, its market capitalization divided by $2.2B revenue, trailing 12 months to June 30, 2026. The market capitalization is $3.3B as of Oct 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PennyMac Financial Services, Inc.'s Piotroski F-Score?

PennyMac Financial Services, Inc. (PFSI) has a Piotroski F-Score of 3 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are PennyMac Financial Services, Inc.'s earnings high quality?

For every $1 of reported earnings, PennyMac Financial Services, Inc. (PFSI) used $3.30 of operating cash (-$1.7B OCF vs $501.1M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is PennyMac Financial Services, Inc.?

PennyMac Financial Services, Inc. (PFSI) scores 48 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is the average of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For PennyMac Financial Services, Inc. it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.