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Home CompaniesPennyMac Finl Svcs Inc

PennyMac Finl Svcs Inc

Financial Services Mortgage Finance
PortfolioPortfolio WatchlistWatchlist
Company price
65.59 USD -1.50 ( 2.24%)
Last update at 2026-11-06T21:00:00Z
VOLUME
432190
Market Cap
3535.30M
P/E
9.49

Momentum Score

…

PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment also sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs, and supervising foreclosures and property dispositions. The company was founded in 2008 and is headquartered in Westlake Village, California.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
65.08
Low
66.69
High
52 Week Price Range
67.54
Low
158.66
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

PennyMac Financial Services operates a vertically integrated mortgage platform that originates, purchases and services residential loans while holding mortgage servicing rights and related assets. Long-term growth may be supported by scale in originations and servicing, rising servicing fee income and MSR holdings, and operational efficiencies that could produce recurring cash flow.
Key risks are sensitivity to interest-rate and prepayment dynamics, housing-market or credit-cycle downturns, funding and liquidity strains in mortgage markets, and regulatory or competitive pressures that could compress margins.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
67.09
Dividend Yield
1.74%
Revenue TTM
3331.82M
Revenue Per Share
64.14
Gross Profit TTM
2866.01M
Debt / Equity
5.35
ROE
9.38%
Net Debt
22756.50M
ROCE
4.18%
Diluted EPS TTM
7.17

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 551.42M 401.03M 183.63M 665.25M 1359.18M
Net income 501.08M 311.42M 144.66M 475.51M 1003.49M
Selling general administrative 296.93M 235.07M 576.96M 113.39M 130.09M
Selling and marketing expenses 46.14M 21.97M 17.63M 46.76M 44.81M
Gross profit 2619.22M 1369.37M 1304.58M 663.10M 2143.88M
Reconciled depreciation 69.36M 69.66M 67.07M 50.24M 42.94M
Ebit 551.42M 402.62M 709.98M 615.01M 1316.24M
Ebitda 620.77M 472.28M 709.98M 665.25M 1359.18M
Depreciation and amortization 69.36M 69.66M 70.02M 50.24M 42.94M
Non operating income net other - - - -277.31M -891.12M
Operating income 551.42M 402.62M 709.98M 615.01M 1316.24M
Other operating expenses 3868.84M 2443.86M 691.67M 1301.76M 2615.82M
Interest expense 960.55M 819.35M 637.78M -50.24M -90.53M
Tax provision 50.34M 89.60M 86.47M 189.74M 355.69M
Income tax expense 50.34M 89.60M 38.98M 189.74M 355.69M
Total revenue 4420.25M 2846.48M 1401.66M 1967.01M 3975.00M
Total operating expenses 2067.81M 966.75M 594.60M -2.15M 784.70M
Cost of revenue 1801.03M 1477.11M 97.08M 1303.91M 1831.12M
Total other income expense net -960.55M -1.59M -526.35M 50.24M 42.94M
Net income from continuing ops 501.08M 311.42M 219.12M 475.51M 1003.49M
Net income applicable to common shares - - - 475.51M 1003.49M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 29388.69M 26086.89M 18844.56M 16822.58M 18776.61M
Intangible assets 9598.94M 8865.33M 7248.08M 5953.62M 3878.08M
Other current assets -427.16M 919.12M 881.38M 803.78M 904.20M
Total liab 25079.71M 22257.24M 15305.96M 13351.53M 15358.29M
Total stockholder equity 4308.98M 3829.65M 3538.60M 3471.05M 3418.32M
Other current liab -8862.02M 25.90M 26.10M 1028.84M 715.79M
Common stock 0.01M 0.01M 0.01M 0.01M 0.01M
Capital stock 0.01M 0.01M 0.01M 0.01M 0.01M
Retained earnings 4212.10M 3773.57M 3514.31M 3471.04M 3292.92M
Other liab - - - 1270.36M 304.89M
Good will - - 148.74M - -
Other assets - - - 15415.99M 18304.20M
Cash 301.68M 238.48M 938.37M 1328.54M 340.07M
Total current liabilities 16203.80M 10318.84M 5491.05M 4497.49M 8595.96M
Net debt 22756.50M 20315.10M 12556.43M 10472.65M 13648.87M
Short term debt 16203.80M 8685.21M 3763.96M 3001.28M 7292.73M
Short long term debt 8794.00M 8685.21M 3763.96M 3001.28M 7292.73M
Short long term debt total 23058.18M 20553.58M 13494.81M 11801.19M 13988.94M
Other stockholder equity 96.87M 56.07M 24.29M - 125.40M
Property plant equipment - - - 94.25M 89.04M
Total current assets 728.84M 16117.02M 11272.89M 10285.26M 13857.88M
Long term investments 0.94M 0.94M 1.12M 0.93M 1.30M
Net tangible assets - - - 3471.05M 3418.32M
Short term investments 410.04M 420.55M 10.27M 12.19M 6.87M
Net receivables 17.12M 14538.87M 9442.88M 8247.77M 12808.78M
Long term debt 14265.75M 11868.37M 9730.85M 8714.36M 6582.71M
Inventory - - 14.98M -107.03M -202.04M
Accounts payable 760.48M 476.73M 658.11M 467.37M 587.43M
Accumulated other comprehensive income - - 3538.60M - -
Common stock total equity - - - 0.01M 0.01M
Retained earnings total equity - - - 3471.04M 3292.92M
Non currrent assets other 10151.26M 1054.10M 253.52M 516.91M 616.62M
Non current assets total 28659.85M 9969.86M 7571.67M 6537.33M 4918.73M
Capital lease obligations - - - 85.55M 113.49M
Long term debt total - - - 2251.95M 1800.07M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 358.06M -1887.95M -615.99M -877.20M -426.05M
Change to liabilities - - - 134.75M -98.80M
Total cashflows from investing activities 300.42M -1887.95M -273.29M -721.58M -304.37M
Net borrowings 1175.23M 875.45M 838.46M 630.39M 1112.43M
Total cash from financing activities 1162.69M 5721.34M 1465.34M -4323.21M -2451.38M
Change to operating activities - - - 97.67M -119.86M
Net income 501.08M 311.42M 144.66M 475.51M 1003.49M
Change in cash 63.20M -699.89M -390.17M 988.45M -192.69M
Begin period cash flow 238.48M 938.37M 1328.54M 340.09M 532.78M
End period cash flow 301.68M 238.48M 938.37M 1328.54M 340.09M
Total cash from operating activities -1399.91M -4533.27M -1582.22M 6033.23M 2563.06M
Depreciation 69.36M 69.66M 70.02M 50.24M 42.94M
Other cashflows from investing activities 710.69M -136.71M -142.59M 162.78M 129.58M
Dividends paid 62.55M 52.16M 41.45M -54.62M -52.90M
Change to account receivables 3.10M -4.46M 5.67M 2.78M 35.24M
Sale purchase of stock -4.74M -9.40M -71.49M -406.09M -958.19M
Other cashflows from financing activities 1607.97M 4877.98M 739.81M 15645.63M -2413.20M
Change to netincome - - - -21921.08M 92743.92M
Capital expenditures 11.92M 22.10M 36.17M 83.09M 56.88M
Change receivables - - - 2.78M 35.24M
Cash flows other operating - - - 27287.67M -91173.76M
Cash and cash equivalents changes - - - 988.45M -192.69M
Change in working capital 241.20M -209.54M 11.24M 309.52M -17.99M
Stock based compensation 36.23M 20.87M 27.58M 42.55M 37.79M
Other non cash items -2211.54M -4725.68M -1835.71M 5155.41M 1070.95M
Free cash flow -1411.83M -4555.37M -1618.39M 5950.15M 2506.18M

Peer Comparison*

Sector: Financial Services Industry: Mortgage Finance

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
PFSI
PennyMac Finl Svcs Inc		 -1.50
2.24%		 65.59 9.49 5.43 1.06 0.83 6.09 45.94
FMCCT
Federal Home Loan Mortgage Corp Pref Perpetual		 0.21
1.98%		 10.81 197.79 - 2.68 - - -
RKT
Rocket Companies Inc		 0.24
1.62%		 15.06 8.17 62.50 7.58 3.14 - -
FNMFO
Federal National Mortgage Association		 -1000.00
3.70%		 26000.00 1000000.00 - 0.55 - - -
FNMAS
Federal National Mortgage Association Pref S		 -0.08
1.03%		 7.68 1701.43 - 0.55 - - -

Profile*

PennyMac Finl Svcs Inc

PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment also sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs, and supervising foreclosures and property dispositions. The company was founded in 2008 and is headquartered in Westlake Village, California.

3043 Townsgate Road, Westlake Village, CA, United States, 91361

818 224 7442

https://pfsi.pennymac.com

5543

Name Title Year Born
Mr. David A. Spector CEO & Chairman 1963
Mr. Douglas Edward Jones Pres & Chief Mortgage Banking Officer 1957
Mr. Daniel Stanley Perotti Sr. MD & CFO 1981
Mr. Vandad Fartaj Sr. MD & Chief Investment Officer 1975
Mr. Gregory L. Hendry Chief Accounting Officer 1961
Mr. Lior Ofir Sr. MD & Chief Information Officer NA
Mr. Isaac Garden VP of Investor Relations NA
Mr. Kevin Chamberlain Exec. VP of Investor Relations NA
Mr. Derek W. Stark J.D. Sr. MD, Chief Legal Officer & Sec. 1968
Ms. Jenny Rhodes MD & Chief HR Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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