PennyMac Financial Services, Inc. (PFSI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 3,953 | 3,559 | 2,321 | 2,039 | 1,594 | 4,364 | 5,036 | 2,189 |
| Operating profit | $m | 1,512 | 506 | ||||||
| Net profit | $m | 1,647 | 1,003 | 476 | 145 | 311 | 501 | 392 | 286 |
| EPS reported | $ | 9.30 | 7.28 | ||||||
| Operating cashflow per share | $ | -27.06 | -29.38 | ||||||
| Capex per share | $ | 0.23 | 0.46 | ||||||
| FCF per share | $ | -27.29 | -29.85 | ||||||
| Free cash flow | $m | -1,412 | -1,550 | ||||||
| Net debt | $m | 22,346 | 22,937 | ||||||
| Book value equity | $m | 4,309 | 4,337 | ||||||
| Book value per share | $ | 79.97 | 81.44 | ||||||
| Number of shares | m | 53.88 | 53.25 | ||||||
| DPS (TTM paid) | $ | 1.20 | 1.20 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 14.18 | 8.74 | ||||||
| P/B LTM | x | 1.58 | 1.57 | ||||||
| P/S LTM | x | 1.56 | 1.35 | ||||||
| P/FCF LTM | x | -4.83 | -4.40 | ||||||
| EV/EBITDA LTM | x | 18.70 | 51.30 | ||||||
| EV/Sales LTM | x | 6.69 | 8.85 | ||||||
| Earnings Yield LTM | % | +7.05% | +11.44% | ||||||
| FCF Yield | % | -20.70% | -22.73% | ||||||
| Quality | |||||||||
| ROE | % | +11.63% | +9.14% | ||||||
| ROIC | % | +1.70% | +2.48% | ||||||
| Operating margin | % | +12.47% | +30.84% | ||||||
| Gross margin | % | +59.26% | +80.79% | ||||||
| FCF/Sales | % | -31.94% | -49.87% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +59.25% | +24.66% | ||||||
| Sales Growth YoY | % | +173.81% | +215.99% | ||||||
| Net Income Growth YoY | % | +60.90% | +26.00% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +67.80% | -43.81% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.92% | +1.54% | ||||||
| Dividend Growth | % | +20.00% | +20.00% | ||||||
| Payout Ratio | % | +12.48% | +16.14% | ||||||
| FCF/Debt | x | -0.06 | -0.07 | ||||||
| Net Debt/EBITDA | x | 36.66 | 18.12 | ||||||
| EBIT/Net interest | x | 0.00 | 0.97 | ||||||
| Net debt/market cap | % | +3.38% | +5.85% | ||||||
| Net debt/Equity | x | 5.19 | 5.29 | ||||||
| Gross debt/equity | x | 5.35 | 5.46 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States. The company's operations are structured into three primary divisions: Production, Servicing, and Investment Management. The Production segment focuses on the creation, acquisition, and subsequent sale of loans. Its primary involvement is with first-lien residential mortgage loans, encompassing both conventional products and those insured or guaranteed by the government. The Servicing segment is responsible for the administration of newly originated loans, in addition to managing early buyout transactions and providing servicing for other loan portfolios. This involves a broad range of activities, such as general loan administration, payment collection, and managing defaults. Specific duties include processing loan payments, addressing customer inquiries, meticulously accounting for principal and interest, holding custodial funds for property taxes and insurance premiums, providing guidance to delinquent borrowers, and supervising foreclosure processes and property dispositions. Furthermore, this segment implements loss mitigation strategies, including loan modification and forbearance programs. The Investment Management segment's core functions include identifying potential investment assets, conducting thorough due diligence, submitting bids, and finalizing acquisitions. It also oversees the correspondent production operations for PennyMac Mortgage Investment Trust and manages the acquired asset base. PennyMac Financial Services, Inc. was established in 2008 and maintains its headquarters in Westlake Village, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
PennyMac Financial Services, Inc. (PFSI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States. The company's operations are structured into three primary divisions: Production, Servicing, and Investment Management. The Production segment focuses on the creation, acquisition, and subsequent sale of loans. Its primary involvement is with first-lien residential mortgage loans, encompassing both conventional products and those insured or guaranteed by the government. The Servicing segment is responsible for the administration of newly originated loans, in addition to managing early buyout transactions and providing servicing for other loan portfolios. This involves a broad range of activities, such as general loan administration, payment collection, and managing defaults. Specific duties include processing loan payments, addressing customer inquiries, meticulously accounting for principal and interest, holding custodial funds for property taxes and insurance premiums, providing guidance to delinquent borrowers, and supervising foreclosure processes and property dispositions. Furthermore, this segment implements loss mitigation strategies, including loan modification and forbearance programs. The Investment Management segment's core functions include identifying potential investment assets, conducting thorough due diligence, submitting bids, and finalizing acquisitions. It also oversees the correspondent production operations for PennyMac Mortgage Investment Trust and manages the acquired asset base. PennyMac Financial Services, Inc. was established in 2008 and maintains its headquarters in Westlake Village, California.
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