← PennyMac Financial Services, Inc. PFSI
Market Price
$78.06
Market Cap
$4.13B
P/E Ratio
N/A
Revenue (FY 2025)
↑28.4% YoY
$2.05B
3-Yr CAGR: 1.0%
Net Income
↑60.9% YoY
$501.08M
Net Margin: 24.5%
Free Cash Flow
↑62.9% YoY
-$1.69B
FCF Yield: -40.98%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
11.6%
ROA: 1.7%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (PFSI)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2017 | $955.5M | — | $810.9M | $100.8M | — | — | — | $-883.4M | $-883.4M | — |
| FY 2018 | $984.6M | +3.1% | $840.0M | $87.7M | -13.0% | — | — | $572.4M | $572.4M | +164.8% |
| FY 2019 | $1,477.4M | +50.0% | $1,265.4M | $393.0M | +348.1% | — | — | $-2,245.1M | $-2,245.1M | -492.2% |
| FY 2020 | $3,705.6M | +150.8% | $3,434.0M | $1,646.9M | +319.1% | — | — | $-6,198.9M | $-6,198.9M | -176.1% |
| FY 2021 | $3,167.4M | -14.5% | $2,776.7M | $1,003.5M | -39.1% | — | — | $2,563.1M | $2,563.1M | +141.3% |
| FY 2022 | $1,985.8M | -37.3% | $1,650.3M | $475.5M | -52.6% | — | — | $6,033.2M | $5,961.3M | +132.6% |
| FY 2023 | $1,401.7M | -29.4% | $763.9M | $144.7M | -69.6% | — | — | $-1,582.2M | $-1,617.0M | -127.1% |
| FY 2024 | $1,593.7M | +13.7% | $774.4M | $311.4M | +115.3% | — | — | $-4,533.3M | $-4,553.7M | -181.6% |
| FY 2025 | $2,046.5M | +28.4% | $1,086.0M | $501.1M | +60.9% | — | — | $-1,652.0M | $-1,691.3M | +62.9% |
Valuation
Market Price
$78.06
Market Cap
$4.13B
Enterprise Value
N/A
P/E Ratio
N/A
P/B Ratio
0.94
FCF Yield
-40.98%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
53.06%
Operating Margin
26.94%
Net Margin
24.48%
Return on Equity (ROE)
11.63%
Return on Assets (ROA)
1.70%
Asset Turnover
0.07x
Revenue 3-Yr CAGR
1.01%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
1.121
Debt / Assets
0.164
Cash & Equivalents
N/A
Total Debt
$4.83B
Book Value / Share
$82.98
Cash Flow Efficiency
Operating Cash Flow
-$1.65B
Capital Expenditures (CapEx)
$39.28M
Free Cash Flow
-$1.69B
OCF / Revenue
-80.72%
FCF / Revenue
-82.64%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$82.98
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$29.39B
Total Liabilities
$29.39B
Stockholders' Equity
$4.31B
Current Assets
N/A
Current Liabilities
N/A