CompanyGraph
Pennymac Financial Services Inc.
PFSI · NYSE Arca · United States
pfsi.pennymac.comFinancials as of FY2025
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- ScaleMarket cap is $3.82B, above the global median of $1.18B
- FinancialsLow earnings quality
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Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
1.63%Above 5Y avg (1.18%)
Annual Rate
USD 1.20Paid quarterly
Payout Ratio
16.5%Sustainable
Consecutive Growth
2 yr
Paying Dividends
9 yr
Payback Period
55.3 yr
Last Ex-Dividend
Aug 17, 2026
Last Payment
Aug 27, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
3.82BUSDvs all stocks (USD)
Trailing P/E
10.34xvs Mortgage Finance peers
Revenue (TTM)
3.33BUSDvs all stocks (USD)
Profit Margin
11.78%vs Mortgage Finance peers
Beta
1.44xvs all stocks
52-Week Change
-33.16%vs all stocks
Forward Annual Dividend Yield
1.63%vs all stocks
Market Capitalization
3.82BUSDvs all stocks (USD)
Enterprise Value
27.26BUSDvs all stocks (USD)
Trailing P/E
10.34xvs Mortgage Finance peers
Forward P/E
6.66xvs Mortgage Finance peers
PEG Ratio
-0.1230xvs Mortgage Finance peers
Price to Sales (TTM)
1.16xvs Mortgage Finance peers
Price to Book (MRQ)
0.8882xvs Mortgage Finance peers
Enterprise to Revenue
8.18xvs Mortgage Finance peers
Enterprise to EBITDA
43.92xvs Mortgage Finance peers
Gross Margin
43.49%Profit Margin
11.78%vs Mortgage Finance peers
Operating Margin
4.48%vs Mortgage Finance peers
Return on Assets (TTM)
1.45%vs Mortgage Finance peers
Return on Equity (TTM)
9.38%vs Mortgage Finance peers
Revenue (TTM)
3.33BUSDvs all stocks (USD)
Revenue per Share (TTM)
64.14USDUpdated Aug 28, 2026Quarterly Revenue Growth
1.80%vs Mortgage Finance peers
Gross Profit (TTM)
2.87BUSDvs all stocks (USD)
EBITDA (TTM)
575.77MUSDvs all stocks (USD)
Net Income (TTM)
392.38MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
-84.10%vs Mortgage Finance peers
Operating Cash Flow (TTM)
-1.79BUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
501.08MUSDvs all stocks (USD)
Forward Annual Dividend Rate
1.20USDUpdated Aug 28, 2026Forward Annual Dividend Yield
1.63%vs all stocks
Trailing Annual Dividend Rate
1.20USDUpdated Aug 28, 2026Trailing Annual Dividend Yield
1.63%vs all stocks
5-Year Average Dividend Yield
1.18%vs all stocks
Payout Ratio
16.51%vs Mortgage Finance peers
Revenue
4.42BUSDFY2025 · Dec 31, 2025Cost of Goods Sold
1.80BUSDFY2025 · Dec 31, 2025Gross Profit
2.62BUSDFY2025 · Dec 31, 2025Operating Income
551.42MUSDvs all stocks (USD)
Pre-tax Income
551.42MUSDFY2025 · Dec 31, 2025Income Tax Expense
50.34MUSDFY2025 · Dec 31, 2025Net Income
501.08MUSDFY2025 · Dec 31, 2025EBIT
551.42MUSDFY2025 · Dec 31, 2025EBITDA (Income Statement)
620.77MUSDFY2025 · Dec 31, 2025Selling, General & Administrative
343.06MUSDFY2025 · Dec 31, 2025Other Operating Expenses
1.63BUSDFY2025 · Dec 31, 2025EPS (Basic)
9.69USDFY2025 · Dec 31, 2025EPS (Diluted)
9.30USDFY2025 · Dec 31, 2025Basic Shares Outstanding
51.73MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
51.73MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
501.08MUSDFY2025 · Dec 31, 2025Operating Cash Flow
-1.46BUSDFY2025 · Dec 31, 2025Free Cash Flow
-1.47BUSDDerived from operating cash flow minus capital expenditure. This filing charges 69.36M of depreciation against 11.92M of capital expenditure, and its own free-cash-flow line reads -1.7B.FY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
301.68MUSDFY2025 · Dec 31, 2025Interest Paid
955.70MUSDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
501.08MUSDFY2025 · Dec 31, 2025Depreciation & Amortization
69.36MUSDFY2025 · Dec 31, 2025Stock-based Compensation
36.23MUSDFY2025 · Dec 31, 2025Other Non-cash Items
-2.25BUSDFY2025 · Dec 31, 2025Change in Accounts Receivable (CF)
3.10MUSDFY2025 · Dec 31, 2025Change in Accounts Payable (CF)
262.85MUSDFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-82.22MUSDFY2025 · Dec 31, 2025Capital Expenditures
-11.92MUSDFY2025 · Dec 31, 2025Net Intangibles (CF)
615.23MUSDFY2025 · Dec 31, 2025Purchase of Investments
0.00USDFY2025 · Dec 31, 2025Sale of Investments
358.06MUSDFY2025 · Dec 31, 2025Other Investing Activity
-369.59MUSDFY2025 · Dec 31, 2025Net Investing Cash Flow
-23.45MUSDFY2025 · Dec 31, 2025Long-term Debt Issuance
28.69BUSDFY2025 · Dec 31, 2025Long-term Debt Payments
-27.52BUSDFY2025 · Dec 31, 2025Common Stock Repurchase
-4.74MUSDFY2025 · Dec 31, 2025Common Dividends Paid
-62.55MUSDFY2025 · Dec 31, 2025Other Financing Charges
41.91MUSDFY2025 · Dec 31, 2025Net Financing Cash Flow
1.15BUSDFY2025 · Dec 31, 2025Shares Outstanding
51.94MSharesUpdated Aug 28, 2026Float Shares
27.40MSharesUpdated Aug 28, 2026Shares Short
2.83MSharesUpdated Aug 28, 2026Short Ratio
4.28daysvs all stocks
Short % of Shares Outstanding
9.62%vs all stocks
% Held by Insiders
34.56%vs all stocks
% Held by Institutions
66.67%vs all stocks
Total Cash (MRQ)
415.95MUSDvs all stocks (USD)
Total Cash per Share (MRQ)
8.01USDUpdated Aug 28, 2026Total Debt (MRQ)
23.83BUSDvs all stocks (USD)
Total Debt to Equity (MRQ)
5.49xvs Mortgage Finance peers
Current Ratio (MRQ)
0.9320xvs Mortgage Finance peers
Book Value per Share (MRQ)
83.49USDUpdated Aug 28, 2026Total Assets
29.39BUSDvs all stocks (USD)
Total Current Assets
18.44BUSDFY2025 · Dec 31, 2025Total Liabilities
25.08BUSDFY2025 · Dec 31, 2025Total Non-current Assets
10.94BUSDFY2025 · Dec 31, 2025Total Non-current Liabilities
14.32BUSDFY2025 · Dec 31, 2025Total Current Liabilities
10.76BUSDFY2025 · Dec 31, 2025Cash
301.68MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents
301.68MUSDFY2025 · Dec 31, 2025Other Short-term Investments
410.04MUSDFY2025 · Dec 31, 2025Accounts Receivable
141.87MUSDFY2025 · Dec 31, 2025Accounts Payable
760.48MUSDFY2025 · Dec 31, 2025Short-term Debt
8.79BUSDFY2025 · Dec 31, 2025Long-term Debt
14.27BUSDFY2025 · Dec 31, 2025Other Non-current Liabilities
34.89MUSDFY2025 · Dec 31, 2025Common Stock (Book)
5.00KUSDFY2025 · Dec 31, 2025Retained Earnings
4.21BUSDFY2025 · Dec 31, 2025Total Shareholders' Equity
4.31BUSDvs all stocks (USD)
52-Week Low
71.68USDUpdated Aug 28, 202652-Week High
160.36USDUpdated Aug 28, 202652-Week Change
-33.16%vs all stocks
Beta
1.44xvs all stocks
50-Day MA
81.00USDUpdated Aug 28, 2026200-Day MA
100.41USDUpdated Aug 28, 2026Avg 10-Day Volume
411.22KSharesUpdated Aug 28, 2026Avg 30-Day Volume
610.10KSharesUpdated Aug 28, 2026Diluted EPS (TTM)
7.17USDUpdated Aug 28, 2026Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
Low earnings qualitySignificant
Earnings Quality Score: -0.91
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Scale
Market cap is $3.82B, above the global median of $1.18BNotable
Market cap (USD): 3,823,116,183Global Median: 1,179,398,897.704
Revenue is $3.33B, above the global median of $534.05MNotable
Revenue (USD): 3,331,824,128Global Median: 534,052,387.958
Levered free cash flow is $501.08M, above the global median of $19.23MNotable
Levered free cash flow (USD): 501,077,000Global Median: 19,234,564.734
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