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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| PFSI | +26.51% | +136.48% | +18.78% | +578% |
| S&P | +14.5% | +93.32% | +14.09% | +310% |
PennyMac Financial Services, Inc. operates as a holding company, which engages in the production and servicing of U.S. residential mortgage loans. It operates through the following segments: Production, Servicing, and Investment Management. The Production segment includes mortgage loan origination, acquisition, and sale activities. The Servicing segment offers servicing of originated mortgage loans and execution and management of early buyout transactions. The Investment Management segment is involved in sourcing, performing diligence, bidding and closing investment asset acquisitions, managing correspondent production activities and managing the acquired assets. The company was founded by Stanford L. Kurland on July 2, 2008 and is headquartered in Westlake Village, CA.
Mortgage servicing offset the declines in mortgage origination.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $1.18B | 22.8% |
| Gross Profit | $1.08B | 27.2% |
| Gross Margin | 91.63% | 3.1% |
| Market Cap | $6.41B | 9.8% |
| Market Cap / Employee | $1.56M | 0.0% |
| Employees | 4.1K | 4.8% |
| Net Income | $181.50M | 161.7% |
| EBITDA | $318.06M | -8.7% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $621.92M | 326.5% |
| Inventory | 31.2 | 52.8% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $6.85B | 39.3% |
| Short Term Debt | $12.55B | 75.8% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 2.07% | 1.3% |
| Return On Invested Capital | 11.34% | -1.5% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | -$143.30M | 87.5% |
| Operating Free Cash Flow | -$141.99M | 87.6% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 36.22 | 17.51 | 15.36 | 13.81 | -47.19% |
| Price to Book | 1.40 | 1.34 | 1.32 | 1.59 | -0.05% |
| Price to Sales | 1.82 | 1.40 | 1.40 | 1.39 | -12.08% |
| Price to Tangible Book Value | -1.26 | -1.02 | -0.99 | -1.14 | -13.77% |
| Price to Free Cash Flow TTM | 6.14 | - | |||
| Enterprise Value to EBITDA | 56.03 | 54.22 | 56.90 | 57.59 | 24.71% |
| Free Cash Flow Yield | 16.3% | - | |||
| Return on Equity | 8.5% | 9.3% | 10.0% | 12.6% | 169.79% |
| Total Debt | $14.44B | $13.34B | $13.60B | $19.40B | 60.91% |
PFSI earnings call for the period ending March 31, 2020.
PFSI earnings call for the period ending December 31, 2019.
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