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PennyMac Financial Services(NYSE) PFSI

Market Cap$3.91BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2013)+327%
5 Year+20%
1 Year-31%
1 Month-11%
Premium Feature
Moneyball Superscore
67/100
$75.32
+0.31%
+0.23Today
After hours$75.18-$0.14 (-0.19%)
PennyMac Financial Services last closing stock price
MetricPriceDate
Last closeUSD 75.182026-08-24
PennyMac Financial Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.48%USD 76.312026-08-17
1 month-10.53%USD 84.032026-07-24
3 month-12.37%USD 85.792026-05-26
Year to date-42.37%USD 130.442025-12-31
1 year-30.58%USD 108.302025-08-22
3 year+12.91%USD 66.592023-08-25
5 year+19.75%USD 62.782021-08-25
Since inception+326.57%USD 17.602013-05-10

PennyMac Financial Services Financials at a Glance

Market Cap

$3.91BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$3.11B

Net Income (TTM)

$392.38M

EPS (TTM)

$7.28

P/E Ratio

10.33

Dividend

$1.20

Beta (Volatility)

0.98 (Low)

Price

$75.32

Volume

337,876.371

Open

$75.58

Previous Close

$75.18

Daily Range

$75.01 - $76.00

52-Week Range

$71.68 - $160.36

Estimated Earnings Date

Oct 20, 2026

PFSI News

SellAlert-Green.png

PennyMac Financial Services Chairman and CEO Sells 10,000 Shares for $880,000

Sarah SidlowJun 8, 2026
BuyAlert-Blue.png

Helix Partners Opens PennyMac Financial Services Stake, According to Recent SEC Filing

Eric TrieMay 28, 2026
f5acfa2370b69ef05efd688fbbc9e56e546c0092-1401x1251.png

Why One Fund Boosted Its PennyMac Stake Despite Mortgage Market Volatility

Jonathan PoncianoMay 7, 2026
SellAlert-Red.png

A PennyMac Financial Services (PFSI) Insider Sold 8,775 Shares Worth $1.1 Million

Cory RenauerNov 23, 2025
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PennyMac Q2 Revenue Misses Estimates

Motley Fool Markets TeamJul 25, 2025
Generic mortgage

Here's What Saved the Day for PennyMac Financial Services Investors

Brent Nyitray, CFAFeb 9, 2023
Generic mortgage

Things Could Be Looking Up for PennyMac Financial Services. Here's Why.

Brent Nyitray, CFADec 17, 2022

Why Shares of PennyMac Financial Services Popped Today

Bram BerkowitzOct 28, 2022
Page 1

PFSI: Motley Fool Moneyball Superscore

67

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About PennyMac Financial Services

PennyMac Financial Services, Inc. helps people get home loans. It manages monthly mortgage payments for homeowners. The company also handles mortgage market investments.

Essential Mortgage Banking Services

  • Loan Production: Performs loan origination, acquisition, and sale activities through broker and consumer direct channels; generated $354.9 million in the quarter ended June 30, 2026.
  • Loan Servicing: Manages loan administration, payment collection, and defaults for homeowners across 50 states and various territories; generated $145.8 million in net fees for the quarter ended June 30, 2026.
  • Investment Management: Identifies mortgage-related assets and manages the investment portfolio for PennyMac Mortgage Investment Trust.

Strategic Growth and Market Expansion

  • Issued $300 million in secured term notes in May 2026 to optimize the corporate debt structure and manage liquidity.
  • Implemented cost reduction measures in the third quarter of 2026 to address declining mortgage volumes and improve operational efficiency.
  • Expanded presence in the non-qualified mortgage market for loans that fall outside of standard government insurance or guarantee criteria.
  • Served as an Official Supporter of Team USA for the 2026 winter Olympics to increase brand awareness and consumer visibility.

National Reach and Expert Knowledge

PennyMac maintains operational capabilities to service or originate home loans in all 50 states, the District of Columbia, and multiple U.S. territories. The firm integrates specialized expertise across the mortgage lifecycle to manage long-term investment capital and complex loan portfolios.

Recent Financial Performance Summary

  • Total net revenues were $497.0 million for the quarter ended June 30, 2026, compared to $444.7 million in the prior year quarter.
  • Net income fell to $21.7 million in the quarter ended June 30, 2026, a decrease from $136.5 million in the same period in 2025.
  • The loan servicing portfolio reached an unpaid principal balance of $731.1 billion as of June 30, 2026.
  • Total assets grew to $29.9 billion as of June 30, 2026, up from $29.4 billion at the end of 2025.
  • Adjusted EBITDA was $203.8 million for the quarter ended June 30, 2026, down from $261.0 million in the same period in 2025.

Tracing the Company Path

PennyMac has evolved into a major specialty financial services firm with a nationwide footprint. Its combined focus on mortgage production and long-term servicing provides a balanced business model designed to navigate shifting interest rate environments.

AI Generated • Aug 5, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

4,900

CEO

David A. Spector

Website

www.pennymac.com

Headquarters

Westlake Village, CA 91361, US

PFSI Financials

Key Financial Metrics (TTM)

Gross Margin

80.79%

Operating Margin

30.84%

Net Income Margin

12.62%

Return on Equity

9.14%

Return on Capital

5.52%

Return on Assets

1.31%

Earnings Yield

9.68%

Dividend Yield

1.60%

Payout Ratio

16.11%

Stock Overview

Market Cap

$3.91BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

51.95M

Volume

337.88K

Avg. Volume

585.77K

Financials (TTM)

Gross Profit

$2.51B

Operating Income

$958.59M

EBITDA

$1.30B

Operating Cash Flow

-$1.53B

Capital Expenditure

-$24.07M

Free Cash Flow

-$1.55B

Cash & ST Invst.

$748.00M

Total Debt

$23.69B

PennyMac Financial Services Performance Analysis

PennyMac Financial Services annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 2,728,406,000-42.4%
20232023-12-31USD 2,746,689,0000.7%
20242024-12-31USD 3,910,914,00042.4%
20252025-12-31USD 4,235,641,0008.3%
PennyMac Financial Services sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-5.2%
Q42025-12-3134.1%
Q12026-03-31-53.9%
Q22026-06-30-8.8%
PennyMac Financial Services annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 8.50-42.9%
20232023-12-31USD 2.74-67.7%
20242024-12-31USD 5.84112.8%
20252025-12-31USD 9.3059.3%
PennyMac Financial Services sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3032.7%
Q42025-12-31-41.5%
Q12026-03-31-22.3%
Q22026-06-30-73.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$496.97M

-46.7%

Gross Profit

$496.97M

+2.8%

Gross Margin

100.00%

N/A

Market Cap

$3.91BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$704.62K

N/A

Employees

5,543

N/A

Net Income

$21.73M

-84.1%

EBITDA

$316.66M

+232.5%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$748.00M

+19.8%

Total Debt

$23.69B

+27.9%

Accounts Receivable

$178.26M

-98.5%

Inventory

$0.00

N/A

Long Term Debt

$6.96B

-37.7%

Short Term Debt

$16.73B

+127.7%

Return on Assets

1.31%

N/A

Return on Invested Capital

7.30%

N/A

Free Cash Flow

$2.04B

+1540.8%

Operating Cash Flow

$2.05B

+1658.1%

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Questions About PFSI

What is the current price of PennyMac Financial Services?

PennyMac Financial Services is trading at $75.18 per share.

What is the 52-week range for PennyMac Financial Services?

Over the past 52 weeks, PennyMac Financial Services has traded between $71.68 and $160.36.

How much debt does PennyMac Financial Services have?

As of the most recent reporting period, PennyMac Financial Services reported total debt of $15.50B.

How much cash does PennyMac Financial Services have on hand?

PennyMac Financial Services reported $214.27M in cash and cash equivalents in its most recent financial results.

What is PennyMac Financial Services’s dividend yield?

PennyMac Financial Services currently has a dividend yield of 1.60%.

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