PennyMac Financial Services (PFSI) Financials

$94.87 -0.48 (-0.50%)

Closing price 05/23/2025 03:59 PM Eastern

Extended Trading

$94.70 -0.17 (-0.17%)

As of 05/23/2025 07:45 PM Eastern

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

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

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

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

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

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

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

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

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

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

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?

The last 5 years of PennyMac Financial Services' net income performance:

2020: $1.65 billion
2021: $824.56 million
2022: $411.59 million
2023: $144.66 million
2024: $311.42 million

Find out what analysts predict for PennyMac Financial Services in the coming months.

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%.

Related Companies

This page (NYSE:PFSI) was last updated on 5/25/2025 by MarketBeat.com Staff

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PennyMac Financial Services (PFSI) Financials

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