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PennyMac Financial Services (PFSI) Financials

PennyMac Financial Services logo
$97.68 -0.43 (-0.44%)
Closing price 03:59 PM Eastern
Extended Trading
$97.63 -0.05 (-0.05%)
As of 04:01 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for PennyMac Financial Services

Annual Income Statements for PennyMac Financial Services

This table shows PennyMac Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 66 101 88 393 1,647 1,003 476 513 -88
Consolidated Net Income / (Loss)		 337 312 244 393 1,647 825 412 145 311
Net Income / (Loss) Continuing Operations		 337 182 244 393 1,647 825 412 513 -88
Total Pre-Tax Income 		383 336 268 529 2,241 1,359 665 184 401
Total Revenue		 935 826 985 1,477 3,705 2,988 2,253 1,757 1,168
Net Interest Income / (Expense)		 -25 -1.34 72 77 -25 -91 -41 -4.85 -26
Total Interest Income		 81 143 216 289 247 300 294 -4.85 -26
Investment Securities Interest Income		 81 143 216 289 247 300 294 633 794
Other Interest Income		 - - - - - - - -638 -819
Total Interest Expense		 106 145 145 212 272 391 0.00 0.00 0.00
Total Non-Interest Income		 960 827 912 1,400 3,730 3,079 1,959 1,762 1,194
Trust Fees by Commissions		 -300 22 -246 -584 -559 -892 -277 57 55
Other Service Charges		 728 762 908 1,258 1,547 1,504 1,442 789 719
Net Realized & Unrealized Capital Gains on Investments		 532 370 250 726 2,742 2,466 794 916 419
Other Non-Interest Income		 0.22 -326 -0.03 0.42 -0.45 0.34 -0.24 0.00 0.20
Total Non-Interest Expense		 549 620 717 948 1,465 1,808 1,651 1,205 1,166
Salaries and Employee Benefits		 342 359 403 503 739 1,000 735 577 633
Net Occupancy & Equipment Expense		 52 75 87 97 146 177 180 180 182
Marketing Expense		 5.26 - - 5.17 8.66 45 47 18 22
Other Operating Expenses		 149 186 226 342 572 586 689 430 329
Nonoperating Income / (Expense), net		 - - - - - - - 0.31 -0.06
Income Tax Expense		 46 24 23 136 594 356 190 39 90
Basic Earnings per Share		 $2.98 $4.34 $2.62 $5.02 $21.91 $15.73 $8.96 $2.89 $6.11
Weighted Average Basic Shares Outstanding		 22.16M 23.20M 33.52M 78.21M 75.16M 63.80M 53.07M 49.98M 50.99M
Diluted Earnings per Share		 $2.94 $4.03 $2.59 $4.89 $20.92 $14.87 $8.50 $2.74 $5.84
Weighted Average Diluted Shares Outstanding		 76.63M 25.00M 35.32M 80.34M 78.73M 67.47M 55.95M 52.73M 53.36M
Weighted Average Basic & Diluted Shares Outstanding		 - - 77.53M 78.56M 69.24M 55.42M 50.03M 50.43M 51.43M
Cash Dividends to Common per Share		 - $0.00 $0.40 - - - $0.80 $0.80 $1.00

Quarterly Income Statements for PennyMac Financial Services

This table shows PennyMac Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 135 142 30 58 93 332 39 98 69 -295 76
Consolidated Net Income / (Loss)		 117 -8.01 18 53 244 -171 35 94 275 -93 71
Net Income / (Loss) Continuing Operations		 117 96 18 53 244 198 35 94 275 -492 71
Total Pre-Tax Income 		185 68 38 73 127 -54 44 134 94 129 104
Total Revenue		 458 727 291 331 552 583 302 402 618 -154 634
Net Interest Income / (Expense)		 0.03 3.29 -3.29 -5.69 9.69 -5.56 -9.34 -7.06 7.87 -17 -18
Total Interest Income		 83 107 128 173 167 -473 156 201 225 -608 190
Investment Securities Interest Income		 83 107 128 173 167 165 156 201 225 211 190
Total Interest Expense		 83 -231 132 179 0.00 -310 166 208 0.00 -374 0.00
Total Non-Interest Income		 458 389 294 337 385 745 311 409 392 81 444
Trust Fees by Commissions		 -69 -245 -189 -210 -203 659 -323 -273 -386 1,037 -324
Other Service Charges		 358 -188 379 405 436 -431 471 506 522 -780 547
Net Realized & Unrealized Capital Gains on Investments		 169 609 105 142 152 518 163 176 257 -177 221
Other Non-Interest Income		 - - 0.03 0.12 -0.05 -0.09 0.01 -0.04 0.07 0.16 0.19
Total Non-Interest Expense		 291 601 265 264 274 403 262 272 318 314 535
Salaries and Employee Benefits		 158 134 148 137 157 135 146 142 171 173 182
Net Occupancy & Equipment Expense		 47 45 45 45 48 42 45 44 45 49 49
Marketing Expense		 7.60 3.75 3.24 5.58 4.63 4.18 3.67 5.45 5.09 7.77 9.43
Other Operating Expenses		 78 419 69 76 64 222 67 81 96 84 295
Income Tax Expense		 50 30 7.77 15 34 -17 4.58 36 25 25 28
Basic Earnings per Share		 $2.59 $0.88 $0.61 $1.17 $1.86 ($0.75) $0.78 $1.93 $1.36 $2.04 $1.48
Weighted Average Basic Shares Outstanding		 52.17M 53.07M 50.15M 49.87M 49.90M 49.98M 50.55M 50.96M 51.18M 50.99M 51.51M
Diluted Earnings per Share		 $2.46 $0.82 $0.57 $1.11 $1.77 ($0.71) $0.74 $1.85 $1.30 $1.95 $1.42
Weighted Average Diluted Shares Outstanding		 54.97M 55.95M 53.35M 52.26M 52.56M 52.73M 53.10M 53.20M 53.50M 53.36M 53.62M
Weighted Average Basic & Diluted Shares Outstanding		 50.08M 50.03M 49.92M 49.87M 49.93M 50.43M 50.92M 51.19M 51.26M 51.43M 51.66M
Cash Dividends to Common per Share		 $0.20 - $0.20 $0.20 $0.20 - $0.20 $0.20 $0.30 - $0.30

Annual Cash Flow Statements for PennyMac Financial Services

This table details how cash moves in and out of PennyMac Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -5.91 -61 118 33 344 -193 988 -390 -700
Net Cash From Operating Activities		 -938 -883 572 -2,245 -6,199 2,563 6,033 -1,582 -4,533
Net Cash From Continuing Operating Activities		 -938 -883 573 -2,245 -6,199 2,563 6,033 -1,582 -4,533
Net Income / (Loss) Continuing Operations		 337 312 244 393 1,647 1,003 476 145 311
Consolidated Net Income / (Loss)		 337 312 244 393 1,647 1,003 476 145 311
Provision For Loan Losses		 36 43 40 36 126 -48 -36 3.27 33
Depreciation Expense		 5.85 8.40 13 15 26 29 34 53 56
Amortization Expense		 311 280 -29 6.06 31 39 35 38 42
Non-Cash Adjustments to Reconcile Net Income		 -1,599 -1,452 207 -2,608 -7,532 1,558 5,215 -1,833 -4,767
Changes in Operating Assets and Liabilities, net		 -29 -75 98 -88 -496 -18 310 11 -210
Net Cash From Investing Activities		 -35 -339 -323 149 783 -304 -722 -273 -1,888
Net Cash From Continuing Investing Activities		 -35 -339 -323 149 783 -304 -722 -273 -1,888
Purchase of Property, Leasehold Improvements and Equipment		 -30 -24 -31 -36 -59 -57 -79 -36 -22
Purchase of Investment Securities		 -67 -209 -350 139 914 -354 -881 -242 -1,638
Sale of Property, Leasehold Improvements and Equipment		 - - - - - 0.00 0.00 1.00 0.00
Sale and/or Maturity of Investments		 - -84 65 43 59 8.34 0.00 100 -112
Other Investing Activities, net		 63 -22 -7.21 2.39 -132 98 239 -96 -116
Net Cash From Financing Activities		 967 1,161 -132 2,129 5,760 -2,451 -4,323 1,465 5,721
Net Cash From Continuing Financing Activities		 967 1,161 -132 2,129 5,760 -2,451 -4,323 1,465 5,721
Issuance of Debt		 32,354 945 26,584 23,477 650 1,150 19,963 23,989 1,700
Repayment of Debt		 -77,255 -35,475 -68,081 -85,141 -96,758 -138,769 -98,897 -107,771 -104,944
Repurchase of Common Equity		 0.00 -8.60 -5.29 -1.06 -337 -958 -406 -71 0.00
Payment of Dividends		 -7.63 0.00 -10 -9.71 -31 -53 -55 -41 -52
Other Financing Activities, Net		 45,876 35,700 41,380 63,804 102,236 136,178 75,071 85,361 109,017
Cash Interest Paid		 - - - - 273 390 330 639 797
Cash Income Taxes Paid		 - - - - 476 293 -128 -1.17 1.49

Quarterly Cash Flow Statements for PennyMac Financial Services

This table details how cash moves in and out of PennyMac Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 143 -230 169 34 -355 -239 -11 -332 -450 93 -27
Net Cash From Operating Activities		 -588 489 -3,265 2,228 -976 430 -898 -1,093 -394 -2,149 1,066
Net Cash From Continuing Operating Activities		 -588 489 -3,265 2,228 -976 430 -898 -1,093 -394 -2,149 1,066
Net Income / (Loss) Continuing Operations		 135 38 30 58 93 -37 39 98 69 104 76
Consolidated Net Income / (Loss)		 135 38 30 58 93 -37 39 98 69 104 76
Provision For Loan Losses		 -0.82 16 -3.08 -1.97 -2.55 11 -1.54 5.93 9.58 19 4.18
Depreciation Expense		 9.43 11 13 13 13 14 14 14 14 14 14
Amortization Expense		 8.47 8.67 9.76 8.71 9.77 10 11 1.80 20 10 10
Non-Cash Adjustments to Reconcile Net Income		 -898 522 -3,286 2,099 -1,184 538 -831 -1,298 -512 -2,125 928
Changes in Operating Assets and Liabilities, net		 158 -106 -28 51 94 -106 -130 85 6.42 -171 33
Net Cash From Investing Activities		 -56 -238 -21 -166 -191 105 -783 -738 -239 -128 30
Net Cash From Continuing Investing Activities		 -56 -238 -21 -166 -191 105 -783 -738 -239 -128 30
Purchase of Property, Leasehold Improvements and Equipment		 -22 -14 -11 -9.11 -8.67 -7.63 -4.78 -5.20 -4.49 -7.63 -7.51
Purchase of Investment Securities		 -241 -67 78 -99 -430 208 -749 -756 360 -492 75
Sale and/or Maturity of Investments		 -31 29 8.84 -4.50 101 -4.72 10 3.14 -513 388 15
Other Investing Activities, net		 237 -187 -97 -53 146 -92 -39 20 -81 -16 -52
Net Cash From Financing Activities		 787 -482 3,455 -2,028 812 -774 1,670 1,499 183 2,370 -1,124
Net Cash From Continuing Financing Activities		 787 -482 3,455 -2,028 812 -774 1,670 1,499 183 2,370 -1,124
Issuance of Debt		 14,948 4,515 680 10,043 -9,843 23,109 725 11,618 6,150 -16,793 6,657
Repayment of Debt		 -30,559 -21,406 -13,878 -34,659 -11,282 -47,953 -19,880 -37,834 -34,465 -12,765 -35,301
Payment of Dividends		 -22 -10 -11 -10 -10 -10 -10 -10 -16 -16 -15
Other Financing Activities, Net		 16,520 16,471 16,709 22,624 21,947 24,081 20,835 27,726 28,514 31,943 27,535
Cash Interest Paid		 82 93 130 176 158 176 152 221 198 226 205
Cash Income Taxes Paid		 28 -247 -0.42 -0.55 0.08 -0.28 0.12 0.54 1.40 -0.58 0.27

Annual Balance Sheets for PennyMac Financial Services

This table presents PennyMac Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 7,368 7,479 10,204 31,598 18,777 16,823 18,845 26,087
Cash and Due from Banks		 38 155 188 533 340 1,329 938 238
Trading Account Securities		 3,177 2,618 5,073 12,328 10,076 3,608 4,600 9,156
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Assets		 2,863 4,599 4,895 18,650 8,320 11,886 13,306 16,692
Total Liabilities & Shareholders' Equity		 7,368 7,479 10,204 31,598 18,777 16,823 18,845 26,087
Total Liabilities		 5,648 5,825 8,143 28,208 15,358 13,352 15,306 22,257
Long-Term Debt		 2,627 3,143 3,017 17,220 6,580 8,712 9,729 11,867
Other Long-Term Liabilities		 3,000 2,675 5,105 10,976 8,775 4,639 5,577 10,391
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,720 1,654 2,062 3,389 3,418 3,471 3,539 3,830
Total Preferred & Common Equity		 469 1,654 2,062 3,389 3,418 3,471 3,539 3,830
Total Common Equity		 469 1,654 2,062 3,389 3,418 3,471 3,539 3,830
Common Stock		 204 1,311 1,335 1,047 125 0.01 24 56
Retained Earnings		 265 343 726 2,342 3,293 3,471 3,514 3,774

Quarterly Balance Sheets for PennyMac Financial Services

This table presents PennyMac Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 16,362 20,103 17,984 18,949 19,802 21,578 22,872 23,873
Cash and Due from Banks		 1,559 1,498 1,532 1,177 927 595 146 211
Trading Account Securities		 4,314 6,883 4,356 5,290 5,834 7,299 7,717 8,085
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Other Assets		 10,457 11,687 12,096 12,482 13,040 13,683 15,009 15,577
Total Liabilities & Shareholders' Equity		 16,362 20,103 17,984 18,949 19,802 21,578 22,872 23,873
Total Liabilities		 12,880 16,651 14,506 15,376 16,231 17,916 19,132 19,969
Long-Term Debt		 7,698 9,325 9,161 9,400 9,259 9,955 10,916 11,213
Other Long-Term Liabilities		 5,182 7,326 5,344 5,976 6,973 7,961 8,217 8,757
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 3,482 3,452 3,479 3,573 3,570 3,661 3,739 3,904
Total Preferred & Common Equity		 3,482 3,452 3,479 3,573 3,570 3,661 3,739 3,904
Total Common Equity		 3,482 3,452 3,479 3,573 3,570 3,661 3,739 3,904
Common Stock		 0.01 0.01 0.01 11 27 30 54 69
Retained Earnings		 3,482 3,452 3,479 3,561 3,543 3,631 3,685 3,835

Annual Metrics and Ratios for PennyMac Financial Services

This table displays calculated financial ratios and metrics derived from PennyMac Financial Services' official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - -
Revenue Growth		 0.00% -11.69% 19.25% 50.01% 150.86% -19.35% -24.62% -22.01% -33.53%
EBITDA Growth		 0.00% -29.75% -49.11% 118.79% 317.57% -45.70% -46.23% -4.06% -84.40%
EBIT Growth		 0.00% -46.62% 29.85% 97.64% 323.45% -47.32% -49.05% -8.19% -99.65%
NOPAT Growth		 0.00% -7.55% -21.53% 60.76% 319.09% -39.07% -52.61% -69.63% 115.68%
Net Income Growth		 0.00% -7.55% -21.53% 60.76% 319.09% -49.93% -50.08% -64.85% 115.29%
EPS Growth		 0.00% 37.07% -35.73% 88.80% 327.81% -28.92% -42.84% -67.76% 113.14%
Operating Cash Flow Growth		 0.00% 5.85% 164.79% -492.23% -176.11% 141.35% 135.39% -126.23% -186.51%
Free Cash Flow Firm Growth		 0.00% 0.00% 95.27% 150.81% -14,344.91% 183.77% -114.68% 44.91% -125.25%
Invested Capital Growth		 0.00% 0.00% 9.99% 6.15% 304.39% -51.50% 21.81% 8.90% 18.31%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 30.84% -34.78% 121.65% 24.23% 12.21% -23.24%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 455.81% -64.21% 152.60% 81.57% 10.10% -80.48%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 111.23% -64.83% 148.34% 98.18% 10.88% -99.53%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 34.00% 22.29% -21.80% -22.17% -34.09% 83.12%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 145.85% 178.03% -65.62% 120.39% -52.95% -15.54%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 33.61% 22.84% -15.80% -20.26% -35.83% 83.65%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 15.53% -21.34% -38.42% 418.13% 13.05% -3.88% -131.97%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 15.98% -7.15% -294.68% 40.28% -40.06%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 5.81% -9.08% -12.61% 8.97% 2.27% 7.11%
Profitability Metrics		 - - - - - - - - -
EBITDA Margin		 75.23% 59.84% 25.54% 37.25% 62.00% 41.74% 29.78% 36.63% 8.60%
EBIT Margin		 41.31% 24.97% 27.19% 35.82% 60.46% 39.49% 26.69% 31.43% 0.17%
Profit (Net Income) Margin		 36.04% 37.73% 24.83% 26.61% 44.45% 27.59% 18.27% 8.23% 26.67%
Tax Burden Percent		 87.97% 92.74% 91.31% 74.22% 73.50% 60.67% 61.87% 78.78% 77.66%
Interest Burden Percent		 99.19% 162.94% 100.00% 100.07% 100.01% 115.16% 110.63% 33.26% 20,650.15%
Effective Tax Rate		 12.03% 7.26% 8.69% 25.78% 26.50% 26.17% 28.52% 21.22% 22.34%
Return on Invested Capital (ROIC)		 0.00% 14.26% 5.33% 7.94% 12.81% 6.55% 4.29% 1.13% 2.15%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 14.26% 5.33% 7.94% 12.81% 5.05% 3.45% 1.14% 2.15%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 21.97% 9.16% 13.22% 47.62% 17.67% 7.66% 2.99% 6.30%
Return on Equity (ROE)		 0.00% 36.23% 14.49% 21.15% 60.43% 24.22% 11.95% 4.13% 8.45%
Cash Return on Invested Capital (CROIC)		 0.00% -185.74% -4.18% 1.97% -107.89% 75.91% -15.38% -7.39% -14.62%
Operating Return on Assets (OROA)		 0.00% 2.80% 3.61% 5.98% 10.72% 4.69% 3.38% 3.10% 0.01%
Return on Assets (ROA)		 0.00% 4.23% 3.29% 4.44% 7.88% 3.27% 2.31% 0.81% 1.39%
Return on Common Equity (ROCE)		 0.00% 9.89% 9.12% 21.15% 60.43% 24.22% 11.95% 4.13% 8.45%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 66.36% 14.78% 19.06% 48.59% 24.12% 11.86% 4.09% 8.13%
Net Operating Profit after Tax (NOPAT)		 337 312 244 393 1,647 1,003 476 144 311
NOPAT Margin		 36.04% 37.73% 24.83% 26.61% 44.45% 33.58% 21.11% 8.22% 26.67%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 1.50% 0.84% 0.00% 0.00%
SG&A Expenses to Revenue		 42.77% 52.48% 49.82% 40.99% 24.10% 40.89% 42.71% 44.08% 71.69%
Operating Expenses to Revenue		 58.69% 75.03% 72.81% 64.18% 39.54% 60.51% 73.31% 68.57% 99.83%
Earnings before Interest and Taxes (EBIT)		 386 206 268 529 2,240 1,180 601 552 1.94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 703 494 251 550 2,297 1,248 671 644 100
Valuation Ratios		 - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.93 1.22 1.33 1.16 0.80 1.23 1.36
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.95 1.22 1.33 1.16 0.80 1.23 1.36
Price to Revenue (P/Rev)		 0.00 0.00 1.56 1.70 1.22 1.33 1.23 2.48 4.47
Price to Earnings (P/E)		 0.00 0.00 17.56 6.38 2.74 3.95 5.82 8.48 0.00
Dividend Yield		 0.00% 0.00% 2.01% 0.38% 0.87% 1.19% 1.81% 0.92% 0.98%
Earnings Yield		 0.00% 0.00% 5.70% 15.68% 36.44% 25.31% 17.19% 11.80% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.94 1.05 1.03 1.02 0.83 0.99 1.07
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 4.61 3.63 5.73 3.42 4.51 7.48 14.43
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 18.03 9.73 9.24 8.18 15.13 20.42 167.78
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 16.94 10.12 9.47 8.65 16.88 23.81 8,675.57
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 18.55 13.63 12.88 10.17 21.35 91.02 54.09
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 7.92 0.00 0.00 3.98 1.68 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 54.98 0.00 0.88 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - -
Debt to Equity		 0.00 1.54 1.90 1.47 5.08 1.93 2.51 2.75 3.10
Long-Term Debt to Equity		 0.00 1.54 1.90 1.47 5.08 1.93 2.51 2.75 3.10
Financial Leverage		 0.00 1.54 1.72 1.67 3.72 3.50 2.22 2.63 2.93
Leverage Ratio		 0.00 4.28 4.40 4.76 7.67 7.40 5.17 5.09 6.10
Compound Leverage Factor		 0.00 6.98 4.40 4.76 7.67 8.52 5.72 1.69 1,259.24
Debt to Total Capital		 0.00% 60.63% 65.57% 59.57% 83.56% 65.82% 71.51% 73.33% 75.60%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 60.63% 65.57% 59.57% 83.56% 65.82% 71.51% 73.33% 75.60%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 28.62% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 10.75% 34.43% 40.43% 16.44% 34.18% 28.49% 26.67% 24.40%
Debt to EBITDA		 0.00 5.36 12.53 5.52 7.50 5.28 12.99 15.12 118.18
Net Debt to EBITDA		 0.00 5.28 11.91 5.18 7.27 5.00 11.01 13.66 115.80
Long-Term Debt to EBITDA		 0.00 5.36 12.53 5.52 7.50 5.28 12.99 15.12 118.18
Debt to NOPAT		 0.00 8.50 12.89 7.73 10.46 6.56 18.32 67.37 38.10
Net Debt to NOPAT		 0.00 8.38 12.25 7.25 10.14 6.22 15.53 60.87 37.33
Long-Term Debt to NOPAT		 0.00 8.50 12.89 7.73 10.46 6.56 18.32 67.37 38.10
Noncontrolling Interest Sharing Ratio		 0.00% 72.70% 37.06% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -4,056 -192 97 -13,875 11,623 -1,706 -940 -2,117
Operating Cash Flow to CapEx		 -3,087.71% -3,714.47% 1,854.51% -6,322.69% -10,549.41% 4,506.16% 7,627.93% -4,498.77% -20,515.32%
Free Cash Flow to Firm to Interest Expense		 0.00 -28.07 -1.33 0.46 -51.10 29.75 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 -8.84 -6.11 3.96 -10.59 -22.83 6.56 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 -9.12 -6.28 3.75 -10.76 -23.04 6.41 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - -
Asset Turnover		 0.00 0.11 0.13 0.17 0.18 0.12 0.13 0.10 0.05
Fixed Asset Turnover		 0.00 28.03 31.34 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - -
Invested Capital		 0.00 4,368 4,804 5,099 20,622 10,002 12,183 13,268 15,696
Invested Capital Turnover		 0.00 0.38 0.21 0.30 0.29 0.20 0.20 0.14 0.08
Increase / (Decrease) in Invested Capital		 0.00 4,368 436 296 15,522 -10,620 2,182 1,084 2,429
Enterprise Value (EV)		 0.00 0.00 4,535 5,355 21,219 10,209 10,150 13,144 16,848
Market Capitalization		 0.00 0.00 1,540 2,505 4,519 3,966 2,767 4,353 5,220
Book Value per Share		 $0.00 $20.23 $21.34 $26.28 $46.79 $57.91 $69.31 $70.88 $74.71
Tangible Book Value per Share		 $0.00 $19.13 $20.83 $26.28 $46.79 $57.91 $69.31 $70.88 $74.71
Total Capital		 0.00 4,368 4,804 5,099 20,622 10,002 12,183 13,268 15,696
Total Debt		 0.00 2,648 3,150 3,038 17,232 6,583 8,712 9,729 11,867
Total Long-Term Debt		 0.00 2,648 3,150 3,038 17,232 6,583 8,712 9,729 11,867
Net Debt		 0.00 2,610 2,995 2,850 16,699 6,243 7,384 8,791 11,628
Capital Expenditures (CapEx)		 30 24 31 36 59 57 79 35 22
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 179 64 -0.25 0.04
Net Nonoperating Obligations (NNO)		 0.00 2,648 3,150 3,038 17,232 6,583 8,712 9,729 11,867
Total Depreciation and Amortization (D&A)		 317 288 -16 21 57 67 69 91 98
Earnings Adjustments		 - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $2.62 $5.02 $21.91 $15.73 $8.96 $2.89 $6.11
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 33.52M 78.21M 75.16M 63.80M 53.07M 49.98M 50.99M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $2.59 $4.89 $20.92 $14.87 $8.50 $2.74 $5.84
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 35.32M 80.34M 78.73M 67.47M 55.95M 52.73M 53.36M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 77.53M 78.56M 69.24M 55.42M 50.03M 50.43M 51.43M
Normalized Net Operating Profit after Tax (NOPAT)		 337 312 244 393 1,647 1,003 476 144 311
Normalized NOPAT Margin		 36.04% 37.73% 24.83% 26.61% 44.45% 33.58% 21.11% 8.22% 26.67%
Pre Tax Income Margin		 40.97% 40.68% 27.19% 35.85% 60.47% 45.48% 29.53% 10.45% 34.34%
Debt Service Ratios		 - - - - - - - - -
EBIT to Interest Expense		 3.64 1.43 1.85 2.50 8.25 3.02 0.00 0.00 0.00
NOPAT to Interest Expense		 3.17 2.16 1.69 1.85 6.06 2.57 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 3.35 1.26 1.64 2.33 8.03 2.88 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 2.89 1.99 1.48 1.69 5.85 2.42 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - -
Dividend Payout Ratio		 2.26% 0.00% 4.11% 2.47% 1.88% 6.42% 13.27% 28.65% 16.75%
Augmented Payout Ratio		 2.26% 2.76% 6.28% 2.74% 22.37% 122.62% 111.93% 78.07% 16.75%

Quarterly Metrics and Ratios for PennyMac Financial Services

This table displays calculated financial ratios and metrics derived from PennyMac Financial Services' official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.58% 152.63% -46.52% -36.73% 20.44% -19.83% 3.68% 21.32% 12.02% -126.33% 35.58%
EBITDA Growth		 325.52% 193.19% -63.11% -57.08% 62.67% 40.60% 33.13% 62.68% 10.71% -316.86% 90.95%
EBIT Growth		 498.45% 173.39% -77.41% -64.85% 66.36% 42.98% 52.02% 91.81% 7.87% -359.25% 148.09%
NOPAT Growth		 -45.80% -78.27% -82.50% -54.95% -31.28% -200.91% 29.40% 68.68% -25.31% 375.25% 94.06%
Net Income Growth		 287.54% 96.56% -89.37% -59.11% 108.99% -2,031.66% 91.23% 77.68% 12.81% 45.45% 101.15%
EPS Growth		 -35.26% -72.48% -80.61% -51.32% -28.05% -186.59% 29.82% 66.67% -26.55% 374.65% 91.89%
Operating Cash Flow Growth		 -140.85% 336.40% -173.74% 30.76% -66.06% -12.08% 72.50% -149.05% 59.66% -599.37% 218.71%
Free Cash Flow Firm Growth		 -96.51% -119.86% -132.28% -156.03% -524.50% 47.65% 99.60% 61.29% 5.17% -107.09% -18,046.14%
Invested Capital Growth		 -2.32% 21.81% 31.27% 22.56% 16.04% 8.90% 0.40% 7.72% 12.96% 18.31% 17.83%
Revenue Q/Q Growth		 -12.48% 58.79% -25.75% 13.81% 66.61% 5.69% -15.50% 33.17% 53.83% -124.84% 512.82%
EBITDA Q/Q Growth		 -11.15% -21.46% -66.50% 83.64% 236.72% -32.12% -49.22% 124.40% 129.14% -232.96% 127.82%
EBIT Q/Q Growth		 -12.91% -24.58% -79.20% 157.31% 312.19% -35.18% -61.50% 224.65% 131.81% -255.78% 121.16%
NOPAT Q/Q Growth		 4.51% -72.16% -19.24% 91.75% 59.43% -140.88% 203.55% 149.97% -29.40% 50.63% -27.00%
Net Income Q/Q Growth		 -9.54% -106.86% 330.31% 186.15% 362.43% -169.95% -70.82% 165.87% 193.58% -133.82% 176.19%
EPS Q/Q Growth		 7.89% -66.67% -30.49% 94.74% 59.46% -140.11% 204.23% 150.00% -29.73% 50.00% -27.18%
Operating Cash Flow Q/Q Growth		 -134.49% 183.28% -767.11% 168.25% -143.80% 144.09% -308.68% -21.71% 63.98% -445.77% 149.61%
Free Cash Flow Firm Q/Q Growth		 -90.11% -635.29% -40.54% 24.72% 25.04% 33.99% 98.91% -7,106.77% -83.62% -44.15% 4.87%
Invested Capital Q/Q Growth		 8.40% 8.97% 4.88% -1.08% 2.64% 2.27% -3.31% 6.14% 7.63% 7.11% -3.70%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.41% 19.99% 16.74% 27.01% 54.58% 35.05% 21.49% 36.21% 53.94% 0.00% 19.45%
EBIT Margin		 36.50% 17.34% 9.01% 20.38% 50.42% 30.92% 13.22% 32.22% 48.55% 0.00% 15.61%
Profit (Net Income) Margin		 25.51% -1.10% 6.34% 15.95% 44.27% -29.30% 11.70% 23.36% 44.58% 0.00% 11.20%
Tax Burden Percent		 63.00% -11.83% 48.38% 72.42% 192.59% 314.97% 80.42% 70.10% 293.29% -72.02% 68.13%
Interest Burden Percent		 110.94% 53.72% 145.47% 108.06% 45.59% -30.08% 110.07% 103.42% 31.31% -27.68% 105.35%
Effective Tax Rate		 27.14% 44.46% 20.37% 20.11% 26.76% 0.00% 10.43% 26.59% 26.15% 19.23% 26.79%
Return on Invested Capital (ROIC)		 4.73% 1.05% 1.54% 2.26% 2.18% -0.90% 1.41% 2.71% 1.24% 0.00% 1.15%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.50% 0.45% 1.39% 2.19% 3.95% -2.34% 1.37% 2.66% 3.27% 0.00% 1.10%
Return on Net Nonoperating Assets (RNNOA)		 10.06% 1.01% 3.15% 5.05% 9.58% -6.16% 3.61% 7.14% 9.07% 0.00% 3.01%
Return on Equity (ROE)		 14.79% 2.06% 4.70% 7.31% 11.76% -7.05% 5.02% 9.85% 10.31% 0.00% 4.16%
Cash Return on Invested Capital (CROIC)		 7.75% -15.38% -24.09% -17.99% -13.03% -7.39% 0.80% -5.96% -10.94% -14.62% -13.88%
Operating Return on Assets (OROA)		 3.67% 2.19% 0.86% 1.86% 4.47% 3.05% 0.92% 2.37% 3.53% 0.00% 0.95%
Return on Assets (ROA)		 2.56% -0.14% 0.61% 1.46% 3.93% -2.89% 0.81% 1.72% 3.24% 0.00% 0.68%
Return on Common Equity (ROCE)		 14.79% 2.06% 4.70% 7.31% 11.76% -7.05% 5.02% 9.85% 10.31% 0.00% 4.16%
Return on Equity Simple (ROE_SIMPLE)		 5.36% 0.00% 7.43% 5.18% 8.61% 0.00% 8.30% 9.22% 9.86% 0.00% 8.89%
Net Operating Profit after Tax (NOPAT)		 135 38 30 58 93 -38 39 98 69 104 76
NOPAT Margin		 29.51% 5.17% 10.44% 17.59% 16.84% -6.51% 13.03% 24.46% 11.23% 0.00% 12.04%
Net Nonoperating Expense Percent (NNEP)		 0.23% 0.60% 0.15% 0.07% -1.77% 1.44% 0.04% 0.05% -2.03% 1.83% 0.05%
SG&A Expenses to Revenue		 46.36% 25.07% 67.38% 56.74% 37.97% 31.04% 64.54% 47.54% 35.86% 0.00% 37.87%
Operating Expenses to Revenue		 63.50% 82.66% 90.99% 79.62% 49.58% 69.08% 86.78% 67.78% 51.45% 0.00% 84.39%
Earnings before Interest and Taxes (EBIT)		 167 126 26 67 278 180 40 129 300 -467 99
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 185 145 49 89 301 204 65 145 333 -443 123
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.63 0.80 0.85 1.00 0.92 1.23 1.27 1.31 1.56 1.36 1.32
Price to Tangible Book Value (P/TBV)		 0.63 0.80 0.85 1.00 0.92 1.23 1.27 1.31 1.56 1.36 1.32
Price to Revenue (P/Rev)		 1.21 1.23 1.76 2.35 2.10 2.48 3.27 3.30 3.83 4.47 3.86
Price to Earnings (P/E)		 4.32 5.82 6.51 9.48 10.17 8.48 29.45 24.81 34.30 0.00 0.00
Dividend Yield		 1.92% 1.81% 1.71% 1.44% 1.52% 0.92% 0.88% 0.85% 0.79% 0.98% 1.10%
Earnings Yield		 23.13% 17.19% 15.36% 10.55% 9.83% 11.80% 3.40% 4.03% 2.92% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.75 0.83 0.84 0.88 0.89 0.99 1.00 1.04 1.13 1.07 1.07
Enterprise Value to Revenue (EV/Rev)		 4.59 4.51 6.47 7.54 7.35 7.48 9.28 9.73 10.91 14.43 12.11
Enterprise Value to EBITDA (EV/EBITDA)		 22.55 15.13 18.32 23.68 19.69 20.42 30.17 29.37 32.28 167.78 101.49
Enterprise Value to EBIT (EV/EBIT)		 27.45 16.88 21.04 28.67 23.12 23.81 38.69 35.93 39.91 8,675.57 264.85
Enterprise Value to NOPAT (EV/NOPAT)		 13.63 21.35 32.39 42.44 52.53 91.02 83.70 73.15 97.62 54.09 46.36
Enterprise Value to Operating Cash Flow (EV/OCF)		 1.56 1.68 0.00 0.00 0.00 0.00 16.38 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 9.51 0.00 0.00 0.00 0.00 0.00 125.91 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 2.21 2.51 2.70 2.63 2.63 2.75 2.59 2.72 2.92 3.10 2.87
Long-Term Debt to Equity		 2.21 2.51 2.70 2.63 2.63 2.75 2.59 2.72 2.92 3.10 2.87
Financial Leverage		 2.24 2.22 2.27 2.31 2.42 2.63 2.65 2.68 2.78 2.93 2.74
Leverage Ratio		 5.17 5.17 5.04 4.65 5.01 5.09 5.68 5.54 5.72 6.10 5.84
Compound Leverage Factor		 5.73 2.78 7.33 5.02 2.28 -1.53 6.25 5.73 1.79 -1.69 6.16
Debt to Total Capital		 68.85% 71.51% 72.98% 72.48% 72.46% 73.33% 72.17% 73.11% 74.49% 75.60% 74.18%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 68.85% 71.51% 72.98% 72.48% 72.46% 73.33% 72.17% 73.11% 74.49% 75.60% 74.18%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 31.15% 28.49% 27.02% 27.52% 27.54% 26.67% 27.83% 26.89% 25.51% 24.40% 25.82%
Debt to EBITDA		 20.84 12.99 15.87 19.55 16.08 15.12 21.73 20.65 21.22 118.18 70.46
Net Debt to EBITDA		 16.62 11.01 13.32 16.28 14.07 13.66 19.55 19.41 20.94 115.80 69.13
Long-Term Debt to EBITDA		 20.84 12.99 15.87 19.55 16.08 15.12 21.73 20.65 21.22 118.18 70.46
Debt to NOPAT		 12.60 18.32 28.06 35.05 42.90 67.37 60.28 51.42 64.18 38.10 32.18
Net Debt to NOPAT		 10.05 15.53 23.56 29.19 37.53 60.87 54.25 48.35 63.32 37.33 31.58
Long-Term Debt to NOPAT		 12.60 18.32 28.06 35.05 42.90 67.37 60.28 51.42 64.18 38.10 32.18
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 401 -2,144 -3,013 -2,268 -1,700 -1,122 -12 -878 -1,612 -2,324 -2,211
Operating Cash Flow to CapEx		 -2,686.09% 3,531.34% -30,334.40% 24,454.84% -11,261.74% 5,640.18% -18,777.50% -21,025.13% -8,772.46% -28,165.37% 14,197.62%
Free Cash Flow to Firm to Interest Expense		 4.83 0.00 -22.87 -12.70 0.00 0.00 -0.07 -4.22 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 -7.08 0.00 -24.78 12.47 0.00 0.00 -5.42 -5.26 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 -7.35 0.00 -24.86 12.42 0.00 0.00 -5.45 -5.28 0.00 0.00 0.00
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.10 0.13 0.10 0.09 0.09 0.10 0.07 0.07 0.07 0.05 0.06
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 11,180 12,183 12,778 12,640 12,973 13,268 12,829 13,616 14,655 15,696 15,116
Invested Capital Turnover		 0.16 0.20 0.15 0.13 0.13 0.14 0.11 0.11 0.11 0.08 0.10
Increase / (Decrease) in Invested Capital		 -265 2,182 3,043 2,326 1,793 1,084 51 976 1,682 2,429 2,287
Enterprise Value (EV)		 8,330 10,150 10,762 11,094 11,511 13,144 12,855 14,162 16,604 16,848 16,151
Market Capitalization		 2,191 2,767 2,934 3,465 3,288 4,353 4,524 4,802 5,834 5,220 5,149
Book Value per Share		 $66.37 $69.31 $69.00 $69.68 $71.64 $70.88 $70.63 $71.90 $73.04 $74.71 $75.90
Tangible Book Value per Share		 $66.37 $69.31 $69.00 $69.68 $71.64 $70.88 $70.63 $71.90 $73.04 $74.71 $75.90
Total Capital		 11,180 12,183 12,778 12,640 12,973 13,268 12,829 13,616 14,655 15,696 15,116
Total Debt		 7,698 8,712 9,325 9,161 9,400 9,729 9,259 9,955 10,916 11,867 11,213
Total Long-Term Debt		 7,698 8,712 9,325 9,161 9,400 9,729 9,259 9,955 10,916 11,867 11,213
Net Debt		 6,139 7,384 7,828 7,629 8,223 8,791 8,331 9,360 10,770 11,628 11,001
Capital Expenditures (CapEx)		 22 14 11 9.11 8.67 7.63 4.78 5.20 4.49 7.63 7.51
Net Nonoperating Expense (NNE)		 18 46 12 5.44 -151 133 4.02 4.43 -206 198 5.29
Net Nonoperating Obligations (NNO)		 7,698 8,712 9,325 9,161 9,400 9,729 9,259 9,955 10,916 11,867 11,213
Total Depreciation and Amortization (D&A)		 18 19 22 22 23 24 25 16 33 24 24
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.59 $0.88 $0.61 $1.17 $1.86 ($0.75) $0.78 $1.93 $1.36 $2.04 $1.48
Adjusted Weighted Average Basic Shares Outstanding		 52.17M 53.07M 50.15M 49.87M 49.90M 49.98M 50.55M 50.96M 51.18M 50.99M 51.51M
Adjusted Diluted Earnings per Share		 $2.46 $0.82 $0.57 $1.11 $1.77 ($0.71) $0.74 $1.85 $1.30 $1.95 $1.42
Adjusted Weighted Average Diluted Shares Outstanding		 54.97M 55.95M 53.35M 52.26M 52.56M 52.73M 53.10M 53.20M 53.50M 53.36M 53.62M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 50.08M 50.03M 49.92M 49.87M 49.93M 50.43M 50.92M 51.19M 51.26M 51.43M 51.66M
Normalized Net Operating Profit after Tax (NOPAT)		 135 38 30 58 93 -38 39 98 69 104 76
Normalized NOPAT Margin		 29.51% 5.17% 10.44% 17.59% 16.84% -6.51% 13.03% 24.46% 11.23% 0.00% 12.04%
Pre Tax Income Margin		 40.50% 9.31% 13.11% 22.02% 22.99% -9.30% 14.55% 33.32% 15.20% 0.00% 16.44%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.02 0.00 0.20 0.38 0.00 0.00 0.24 0.62 0.00 0.00 0.00
NOPAT to Interest Expense		 1.63 0.00 0.23 0.33 0.00 0.00 0.24 0.47 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 1.75 0.00 0.12 0.33 0.00 0.00 0.21 0.60 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 1.37 0.00 0.15 0.28 0.00 0.00 0.21 0.45 0.00 0.00 0.00
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 30.23% 13.27% 21.05% 29.45% 13.54% 28.65% 13.86% 12.24% 12.67% 16.75% 16.35%
Augmented Payout Ratio		 358.01% 111.93% 141.94% 153.05% 53.51% 78.07% 22.68% 12.21% 12.65% 16.75% 16.35%

Frequently Asked Questions About PennyMac Financial Services' Financials

When does PennyMac Financial Services's fiscal year end?

According to the most recent income statement we have on file, PennyMac Financial Services' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has PennyMac Financial Services' net income changed over the last 8 years?

In the past 8 years, PennyMac Financial Services' net income has ranged from $144.66 million in 2023 to $1.65 billion in 2020, and is currently $311.42 million as of their latest financial filing in 2024. See where experts think PennyMac Financial Services is headed by visiting PennyMac Financial Services' forecast page.

How has PennyMac Financial Services revenue changed over the last 8 years?

Over the last 8 years, PennyMac Financial Services' total revenue changed from $935.03 million in 2016 to $1.17 billion in 2024, a change of 24.9%.

How much debt does PennyMac Financial Services have?

PennyMac Financial Services' total liabilities were at $22.26 billion at the end of 2024, a 45.4% increase from 2023, and a 294.0% increase since 2017.

How much cash does PennyMac Financial Services have?

In the past 7 years, PennyMac Financial Services' cash and equivalents has ranged from $37.73 million in 2017 to $1.33 billion in 2022, and is currently $238.48 million as of their latest financial filing in 2024.

How has PennyMac Financial Services' book value per share changed over the last 8 years?

Over the last 8 years, PennyMac Financial Services' book value per share changed from 0.00 in 2016 to 74.71 in 2024, a change of 7,471.4%.


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This page (NYSE:PFSI) was last updated on 5/5/2025 by MarketBeat.com Staff
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