What is PennyMac Financial Services Inc. Quarterly Revenue?

PennyMac Financial Services Inc. Quarterly Revenue PennyMac Fin Services Inc Jun-2026 Quarterly Revenue is $972 Million which is growth of 4.4% YoY.

What is PennyMac Financial Services Inc. Quarterly Net Profit?

PennyMac Financial Services Inc. Quarterly Net Profit PennyMac Fin Services Inc Jun-2026 Quarterly Net Profit is $22 Million which is growth of -84.1% YoY.

What is PennyMac Financial Services Inc. Annual Revenue?

PennyMac Financial Services Inc. Annual Revenue PennyMac Fin Services Inc Dec-2025 Annual Revenue is $4,420 Million which is growth of 83.2% YoY.

What is PennyMac Financial Services Inc. Annual Net Profit?

PennyMac Financial Services Inc. Annual Net Profit PennyMac Fin Services Inc Dec-2025 Annual Net Profit is $501 Million which is growth of 60.9% YoY.

What is PennyMac Financial Services Inc. Total Shareholders Fund?

PennyMac Financial Services Inc. Total Shareholders Fund PennyMac Fin Services Inc Dec-2025 Total Shareholders Fund is $4,309 Million which is growth of 12.5% YoY.

What is PennyMac Financial Services Inc. Total Assets?

PennyMac Financial Services Inc. Total Assets PennyMac Fin Services Inc Dec-2025 Total Assets is $29,389 Million which is growth of 12.7% YoY.

What is PennyMac Financial Services Inc. Book Value Per Share?

PennyMac Financial Services Inc. Book Value Per Share PennyMac Fin Services Inc Book Value Per Share is $83 which is growth of 7.0% YoY.

What is PennyMac Financial Services Inc. ROE?

PennyMac Financial Services Inc. ROE PennyMac Fin Services Inc ROE is 0% which is growth of 0% YoY.

What is PennyMac Financial Services Inc. Cash From Operating Activity?

PennyMac Financial Services Inc. Cash From Operating Activity PennyMac Fin Services Inc Dec-2025 Cash From Operating Activity is $-1,652 Million which is growth of 63.6% YoY.

What is PennyMac Financial Services Inc. Net Cash Flow?

PennyMac Financial Services Inc. Net Cash Flow PennyMac Fin Services Inc Dec-2025 Net Cash Flow is $63 Million which is growth of 109.0% YoY.

PennyMac Financial Services Inc.

XNYS: PFSI

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XNYS 09 Oct, 2026 5:30 PM (EDT)

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The next board meeting for PennyMac Fin Services Inc is on 21 Oct 2026 for the purpose of PennyMac Financial Services Inc Third Quarter Earnings Results for 2026See details

PennyMac Fin Services Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for PennyMac Fin Services Inc share price target, revenues, EPS, net income and more

PennyMac Fin Services Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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POSITIVE
Quarterly Revenue PennyMac Fin Services Inc Jun-2026 Quarterly Revenue is $972 Million which is growth of 4.4% YoY.
NEGATIVE
Quarterly Net Profit PennyMac Fin Services Inc Jun-2026 Quarterly Net Profit is $22 Million which is growth of -84.1% YoY.

PennyMac Financial Services Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
Indicator	Jun '26	Mar '26	Dec '25	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24	Mar '24	Dec '23	Sep '23	Jun '23
SR_Q Operating Rev.	972.2	966.7	2,214.2	882.8	931.6	1,069.8	698.3	629.4	715.4	500	532.2	557.2	570.3
CostOfRevenue_Q Cost Of Rev.	549.4	503.6	500.4	469.8	448.1	382.7	417.2	390.4	363.4	305.2	317	292.8	317.6
GrossProfit_Q Gross Profit	422.8	463.2	1,713.8	413.1	483.4	687.1	281.1	239	351.9	194.8	215.3	264.4	252.8
OEXPNS_Q Operating Exp. ⌄	391.3	358.5	1,580.3	176.5	406.6	582.5	150.1	144.9	218.1	150.3	102.4	137.6	179.4
AdminAndSellingExpenses_Q Admin Plus Selling Exp.	96.5	96.4	90.5	93.9	82.7	76	74.9	76.3	53.5	52.4	45	70.7	58.7
ResearchAndDevlopmentExpenses_Q RnD Exp.	-	-	-	-	-	-	-	-	-	-	-	-	-
OP_Q Operating Profit	31.5	104.7	133.5	236.6	76.9	104.5	131	94.1	133.9	44.5	112.9	126.8	73.4
NetNonOperIntIncExp_Q Net Non Operations Interest Incuding Expenses ⌄	-	-	-	-	-	-	-	-	-	-	-	-	-
Others_Q Other Interest Earned	-	-	-	-	-	-	-	-	-	-	-	-	-
IntExpNonOperating_Q Interest Exp. Non Operating	-	-	-	-	-	-	-	-	-	-	-	-	-
PBT_Q Profit Before Tax	31.5	104.7	134.4	236.4	76.4	104.2	129.4	93.9	133.9	43.9	-54.2	126.8	72.9
TAX_Q Tax	9.8	22.4	27.6	54.9	-60	27.9	24.9	24.6	35.6	4.6	-17.4	33.9	14.7
NICommonStockholders_Q Net Income Common Stockholders ⌄	21.7	82.3	106.8	181.5	136.5	76.3	104.5	69.4	98.3	39.3	-36.8	92.9	58.3
NP_Q Net Profit	21.7	82.3	106.8	181.5	136.5	76.3	104.5	69.4	98.3	39.3	-36.8	92.9	58.3
NIIncludingNoncontrollingInterests_Q Net Income Including Non controlling Interests	21.7	82.3	106.8	181.5	136.5	76.3	104.5	69.4	98.3	39.3	-36.8	92.9	58.3
DilutedNIAvailtoComStockholders_Q Diluted NI Avail to Com Stockholders Ann.	21.7	82.3	106.8	181.5	136.5	76.3	104.5	69.4	98.3	39.3	-36.8	92.9	58.3
EPS_Q Basic EPS	0.4	1.6	2.1	3.5	2.6	1.5	2	1.4	1.9	0.8	-0.7	1.9	1.2
AfterDilutedEPS_Q Diluted EPS After ExtraOrdinary	0.4	1.5	2	3.4	2.6	1.4	2	1.3	1.9	0.8	1.4	1.8	1.1
SHARE_Q Number Of Shares End	51.9	52.1	52	51.7	51.7	51.5	51.3	51.2	51	50.6	50	49.9	49.9
NIContinuingDiscontinuedOper_Q Net Income Continuing Discontinued Operations	21.7	82.3	106.8	181.5	136.5	76.3	104.5	69.4	98.3	39.3	-36.8	92.9	58.3
NormalizedIncome_Q Normalized Income	153.5	247.5	144.5	113.8	229	6.4	596.7	-95.4	222.8	308	-119.2	409.5	182.8
InterestIncome_Q Interest Income	-	-	-	-	-	-	-	-	-	-	-	-	-
INT_Q Interest	-	-	-	-	-	-	-	-	-	-	-	-	-
NetInterestIncome_Q Net Interest Income	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT_Q EBIT	31.5	104.7	134.4	236.4	76.4	104.2	129.4	93.9	133.9	43.9	-54.2	126.8	72.9
EBITDA_Q EBITDA	50.4	122.4	151.6	252.9	94.8	121.5	146.6	111.1	151.5	61.5	-36.7	144.1	90.3
ReconciledCostOfRevenue_Q Reconciled Cost Of Rev.	549.4	503.6	500.4	469.8	448.1	382.7	417.2	390.4	363.4	305.2	317	292.8	317.6
ReconciledDepreciation_Q Reconciled Depr.	18.8	17.7	17.2	16.5	18.4	17.3	17.2	17.1	17.7	17.6	17.6	17.3	17.3
ProfitLossFromContinuingOperations_Q Profit From Continuing Operations	21.7	82.3	106.8	181.5	136.5	76.3	104.5	69.4	98.3	39.3	-36.8	92.9	58.3
NormalizedEBITDA_Q Normalized EBITDA	50.4	122.4	149.7	253.2	95.6	122.2	149.9	111.4	151.6	62.8	297.5	144.2	91.2

*All financials are in USD Million and price data in USD

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PennyMac Fin Services Inc competitor comparison and performance snapshot within industry

PennyMac Fin Services Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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POSITIVE
Annual Revenue PennyMac Fin Services Inc Dec-2025 Annual Revenue is $4,420 Million which is growth of 83.2% YoY.
POSITIVE
Annual Net Profit PennyMac Fin Services Inc Dec-2025 Annual Net Profit is $501 Million which is growth of 60.9% YoY.

PennyMac Financial Services Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	TTM	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
SR_A Total Rev. Ann. ⌄	23.9%	2.3%		4,420.3	2,413.1	2,039.1	2,321.4	3,558.8	3,952.6	1,679.7	1,137.4	1,080.5	1,014	778.1
TotalOperatingRevenues_A Operating Rev. Ann.	31.1%	-4.2%	5,036	4,400.2	2,819.6	2,631.3	1,954.9	3,967.3	5,447.9	2,264	1,365.5	1,369.4	1,334.3	933.5
CostOfRevenue_A Cost Of Rev. Ann.	21.1%	8.7%	2,023.1	1,801	1,476.2	1,191.7	1,014.5	1,425.7	1,185.6	788	565.9	512.4	425.8	320.2
GrossProfit_A Gross Profit Ann.	26.1%	-1.1%	3,012.8	2,619.2	936.9	847.5	1,307	2,133.1	2,767.1	891.7	571.5	568.2	588.1	457.9
OEXPNS_A Operating Exp. Ann.	49.2%	31.5%	2,506.6	2,067.8	533.4	493.4	622.9	773.9	526.5	362.3	303.9	232.3	205	178.7
OP_A Operating Profit Ann.	-6.9%	-24.5%	506.3	551.4	403.5	354	684	1,359.2	2,240.6	529.4	267.7	335.9	383.1	279.2
NetNonOperIntIncExp_A Net Non Operations Interest Incuding Expenses Ann, ⌄	-	-		-	-	-	-	-	-	-	-	-	-	-
Others_A Other Interest Earned Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
IntExpNonOperating_A Interest Exp. Non Operating Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
OtherExpenses_A Other Exp. Ann.	-	-		-	-2.5	-170.4	-18.8	-	-	-	-	-	-	-
PBT_A PBT Ann.	-6.1%	-24.5%	507	551.4	401	183.6	665.3	1,359.2	2,240.6	529.4	267.7	335.9	383.1	279.2
TAX_A Tax Ann.	-35.8%	-39%	114.6	50.3	89.6	39	189.7	355.7	593.7	136.5	23.3	24.4	46.1	31.6
NICommonStockholders_A Net Income Common Stockholders Ann. ⌄	1.8%	-21.2%	392.4	501.1	311.4	144.7	475.5	1,003.5	1,646.9	393	87.7	100.8	66.1	47.2
NP_A Net Profit Ann.	1.8%	-21.2%	392.4	501.1	311.4	144.7	475.5	1,003.5	1,646.9	393	87.7	100.8	66.1	47.2
NIIncludingNoncontrollingInterests_A Net Income Including Non controlling Interests Ann.	1.8%	-21.2%	392.4	501.1	311.4	144.7	475.5	1,003.5	1,646.9	393	244.4	311.5	337	247.6
DilutedNIAvailtoComStockholders_A Diluted NI Avail to Com Stockholders Ann.	1.8%	-21.2%	392.4	501.1	311.4	144.7	475.5	1,003.5	1,646.9	393	91.6	100.8	225.7	166.9
EPS_A EPS Ann.	2.5%	-15%		9.7	6.1	2.9	9	15.7	21.9	5	2.6	4.3	3	2.2
DilutedEPS_A Diluted EPS Ann.	3%	-15%		9.3	5.8	2.7	8.5	14.9	20.9	4.9	2.6	4	2.9	2.2
SHARE_Q Number Of Shares End	1.2%	-6.2%		52	51.3	50	50.1	58.2	71.8	78.5	77.5	23.4	22.3	21.9
TotalExpenses_A Total Exp. Ann.	33.2%	17.7%		3,868.8	2,009.6	1,685.1	1,637.4	2,199.6	1,712	1,150.3	869.7	744.6	630.9	498.9
NIContinuingDiscontinuedOper_A Net Income Continuing Discontinued Operations Ann.	1.8%	-21.2%	392.4	501.1	311.4	144.7	475.5	1,003.5	1,646.9	393	87.7	100.8	66.1	47.2
NormalizedIncome_A Normalized Income Ann.	-20.6%	-13.7%	659.3	486.8	976.7	487.1	971.2	1,382.5	1,015.3	411.1	267.3	332	351.4	266.2
InterestIncome_A Interest Income Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
INT_A Interest Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
EBITDA_A EBITDA Ann.	-4.6%	-22.9%	577.3	620.8	470.7	253.7	715.5	1,402.1	2,278.5	1,138.5	526.5	617.5	689.2	434.8
ReconciledCostOfRevenue_A Reconciled Cost Of Rev. Ann.	21.1%	8.7%	2,023.1	1,801	1,476.2	1,191.7	1,014.5	1,425.7	1,185.6	788	565.9	512.4	425.8	320.2
ReconciledDepreciation_A Reconciled Depr. Ann.	11.4%	12.9%	70.3	69.4	69.7	70	50.2	42.9	37.9	609	258.8	281.6	306.1	155.6
ProfitLossFromContinuingOperations_A Profit From Continuing Operations Ann.	1.8%	-21.2%	392.4	501.1	311.4	144.7	475.5	1,003.5	1,646.9	393	244.4	311.5	337	247.6
NormalizedEBITDA_A Normalized EBITDA Ann.	-6.2%	-22.9%	575.8	620.8	475.7	594.5	753.1	1,402.1	2,278.5	1,138.5	526.5	617.5	689.2	434.8

*All financials are in USD Million and price data in USD

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Total Rev. Ann.

1Y CHG

83.2%

2Y CAGR

47.2%

3Y CAGR

23.9%

5Y CAGR

2.3%

7Y CAGR

21.4%

10Y CAGR

19%

Total Revenue Annual growth is higher than historical averages.

Net Profit Ann.

1Y CHG

60.9%

2Y CAGR

86.1%

3Y CAGR

1.8%

5Y CAGR

-21.2%

7Y CAGR

28.3%

10Y CAGR

26.6%

Net Profit Annual growth is higher than historical averages.

Operating Exp. Ann.

1Y CHG

287.7%

2Y CAGR

104.7%

3Y CAGR

49.2%

5Y CAGR

31.5%

7Y CAGR

31.5%

10Y CAGR

27.7%

Operating Expenses Annual Cr growth is higher than historical averages.

PennyMac Fin Services Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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POSITIVE
Total Shareholders Fund PennyMac Fin Services Inc Dec-2025 Total Shareholders Fund is $4,309 Million which is growth of 12.5% YoY.
POSITIVE
Total Assets PennyMac Fin Services Inc Dec-2025 Total Assets is $29,389 Million which is growth of 12.7% YoY.

PennyMac Financial Services Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
TA_A Total Assets Ann. ⌄	20.4%	-1.4%	29,388.7	26,086.9	18,844.6	16,822.6	18,776.6	31,597.8	10,204	7,478.6	7,368.1	5,133.9	3,505.3
CA_A Total Current Assets Ann.	20.8%	-7.8%	18,444.8	16,117	11,272.9	10,472.6	14,083.6	27,726.3	6,601.7	4,244.3	4,869.3	3,327.3	1,958.6
CashEquivalentsShortTermInvestments_A Cash Equivalents and Short Term Investments Ann.	-19%	5.4%	711.7	659	948.6	1,340.7	346.9	547.9	210.3	164.9	187	93.5	58
Receivables_A Change In Account Receivables Ann.	26%	-8.7%	16,675.1	14,538.9	9,442.9	8,328.1	12,832.5	26,328.9	1,094.7	1,136.3	1,244.3	620.8	406.3
Inventories_A Inventories Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
OtherCurrentAssets_A Other Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalNonCurrentAssets_A Total Non Current Assets Ann.	19.9%	23.1%	10,943.9	9,969.9	7,571.7	6,350	4,693	3,871.6	3,602.3	3,234.3	2,498.8	1,806.6	1,546.7
NetPPE_A Net PPE Ann.	-5.5%	-5.8%	79.6	49.5	68.9	94.3	120.7	107.2	103.6	33.4	29.5	31.3	16.3
InvestmentsAndAdvances_A Investments & Advances Ann.	0%	-3.9%	0.9	0.9	1.1	0.9	1.3	1.1	1.7	1.4	1.2	1.2	1.2
OtherNonCurrentAssets_A Other Non Current Assets Ann.	208.5%	19.8%	930.9	926.1	59.5	31.7	242.3	377.3	327.1	240.6	242.2	50.9	45.6
TotalLiabilitiesNetMinorityInterest_A Total Liabilities Net Minority Interest Ann. ⌄	23.4%	-2.3%	25,079.7	22,257.2	15,306	13,351.5	15,358.3	28,208.4	8,142.5	5,824.8	5,648.4	3,734.6	2,442.9
CL_A Total Current Liabilities Ann.	33.8%	-0.2%	10,763.3	10,318.8	5,491.1	4,497.5	8,596	10,893.1	5,118.9	2,857.9	2,960.4	2,449.9	1,936.2
PayablesAndAccruedExpenses_A Payables & Accrued Exp.s Ann.	9.6%	9.7%	1,969.3	1,633.6	1,727.1	1,496.2	1,303.2	1,238.3	977.9	924	578.9	714.8	769.5
CurrentDebtCapLeaseObligation_A Current Debt Cap Lease Obligation Ann.	43.1%	-1.9%	8,794	8,685.2	3,764	3,001.3	7,292.7	9,654.8	4,141.1	1,933.9	2,381.5	1,735.1	1,166.7
CurrentDeferredLiabilities_Q Current Deferred Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-
OtherCurrentLiabilities_A Other Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalNonCurrentLiabilities_A Total Non Current Liabilities Ann.	17.4%	-3.7%	14,316.5	11,938.4	9,814.9	8,854	6,762.3	17,315.3	3,023.6	2,966.9	2,688	1,284.7	506.8
LongTermDebtAndCapitalLeaseObligation_Q LT Debt & Capital Lease Obligation	17.5%	-3.7%	14,265.8	11,868.4	9,730.9	8,799.9	6,696.2	17,240	2,979.8	2,942.7	2,662.2	1,243.3	477.1
TradeandOtherPayablesNonCurrent_A Trade & Other Payables Non Current Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalDeferredCreditsAndOtherNonCurrentLiabilities_A Total Deferred Credits & Other Non Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalShareHoldersFunds_A Total ShareHolders Funds Ann. ⌄	7.5%	4.9%	4,309	3,829.7	3,538.6	3,471.1	3,418.3	3,389.4	2,061.5	1,653.8	469.4	347.3	270.8
EQCAP_A Equity Share Capital Ann.	7.5%	4.9%	4,309	3,829.7	3,538.6	3,471.1	3,418.3	3,389.4	2,061.5	1,653.8	469.4	347.3	270.8
CapitalStock_A Capital Stock Ann.	-	-	0	0	0	0	0	0	0	0
RetainedEarnings_A Retained Earnings Ann.	6.7%	12.5%	4,212.1	3,773.6	3,514.3	3,471	3,292.9	2,342.3	726.4	343.1	265.3	164.6	98.5
GainsLossesNotAffectingRetainedEarnings_A Gains Losses Not Affecting Retained Earnings Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalCapitalization_A Total Capitalization Ann.	15.1%	-2%	18,574.7	15,698	13,269.5	12,185.4	10,001	20,523.3	4,929.2	4,589.9	3,110.6	1,567.2	734.3
TangibleAssets_A Tangible Assets Ann.	-	-	-5,398.1	-5,035.7	-3,709.5	-2,640	-569.2	726.8	-928.4	-1,206.6	-1,675.9	-1,291.6	-1,144.1
WC_A Working Capital Ann.	8.7%	-14.5%	7,681.5	5,798.2	5,781.9	5,975.1	5,487.6	16,833.1	1,482.8	1,386.4	1,908.9	877.4	22.4
InvestedCapital_A Invested Capital Ann.	21.7%	-1.9%	27,368.7	24,383.2	17,033.4	15,186.7	17,293.8	30,178.1	9,070.3	6,523.7	5,492.2	3,302.3	1,901
TangibleBookValue_A Tangible Book Value Ann.	-	-	-5,398.1	-5,035.7	-3,709.5	-2,640	-569.2	726.8	-928.4	-1,206.6	-1,675.9	-1,291.6	-1,144.1
Borrowings_A Borrowings Ann.	25%	-3%	23,059.8	20,553.6	13,494.8	11,801.2	13,988.9	26,894.8	7,120.9	4,876.5	5,043.7	2,978.4	1,643.8
NetDebt_A Net Debt Ann.	29.9%	-2.8%	22,758.1	20,315.1	12,556.4	10,387.1	13,535.4	26,256	6,873.1	4,822.8	5,005.8	2,947.4	1,618.5
ShareIssued_A Share Issued Ann.	1.4%	-6%	52.1	51.4	50.2	50	56.9	70.9	78.5	77.5	23.5	22.4	22
SHARE_Q Number Of Shares End	1.2%	-6.2%	52	51.3	50	50.1	58.2	71.8	78.5	77.5	23.4	22.3	21.9

*All financials are in USD Million and price data in USD

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Total Assets Ann.

1Y CHG

12.7%

2Y CAGR

24.9%

3Y CAGR

20.4%

5Y CAGR

-1.4%

7Y CAGR

21.6%

10Y CAGR

23.7%

Total Assets Annual growth is stable compared to historical averages.

Total Current Liabilities Ann.

1Y CHG

4.3%

2Y CAGR

40%

3Y CAGR

33.8%

5Y CAGR

-0.2%

7Y CAGR

20.9%

10Y CAGR

18.7%

Total Current Liabilities Annual Cr growth is stable compared to historical averages.

Total ShareHolders Funds Ann.

1Y CHG

12.5%

2Y CAGR

10.4%

3Y CAGR

7.5%

5Y CAGR

4.9%

7Y CAGR

14.7%

10Y CAGR

31.9%

Total ShareHolders Funds Annual growth is stable compared to historical averages.

PennyMac Fin Services Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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POSITIVE
Book Value Per Share PennyMac Fin Services Inc Book Value Per Share is $83 which is growth of 7.0% YoY.
NEUTRAL
ROE PennyMac Fin Services Inc ROE is 0% which is growth of 0% YoY.

PennyMac Financial Services Inc., Ratios, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
ROA_A RoA Ann. %	-	-	-	1.39%	0.81%	2.67%	3.98%	7.88%	4.44%	1.18%	1.61%	1.53%	1.57%
ROE_A ROE Ann. %	-	-	-	8.45%	4.13%	13.80%	29.48%	60.43%	21.15%	8.26%	24.67%	21.38%	19.48%
ROIC_Q ROIC %	-	-	-	0.5	-0.2	0.3	1	1.5	1.8	0.7	1.2	0.6	0.5
OPMPCT_A OPM Ann. %	-24.9%	-26.1%	12.47%	16.72%	17.36%	29.47%	38.19%	56.69%	31.52%	23.54%	31.09%	37.78%	35.88%
NBTO_A Inventory Turnover Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ASETTO_A Asset Turnover Ann. %	-	-	-	0.1	0.1	0.1	0.1	0.2	0.2	0.2	0.2	0.2	0.3
WCTO_A Working Capital Turnover Ann.	14.5%	24.6%	0.6	0.4	0.4	0.4	0.7	0.2	1.1	0.8	0.6	1.2	34.7
QuickRatio_A Quick Ratio Ann.	-	-	-	1.5	1.9	2.2	1.5	2.5	0.3	0.5	0.5	0.3	0.2
CRATIO_A Current Ratio Ann.	-	-	-	1.6	2.1	2.3	1.6	2.6	1.3	1.5	1.6	1.4	1
IC_A Interest Coverage Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
LTDE_A LT Debt To Equity Ann.	-	-	-	3.1	2.8	2.5	2	5.1	1.5	1.8	5.7	3.6	1.8

*All financials are in USD Million and price data in USD

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PennyMac Fin Services Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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POSITIVE
Cash From Operating Activity PennyMac Fin Services Inc Dec-2025 Cash From Operating Activity is $-1,652 Million which is growth of 63.6% YoY.
POSITIVE
Net Cash Flow PennyMac Fin Services Inc Dec-2025 Net Cash Flow is $63 Million which is growth of 109.0% YoY.

PennyMac Financial Services Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
CFO_A Cash from Operating Act. Ann. ⌄	-	-	-1,652	-4,533.3	-1,582.2	6,033.2	2,563.1	-6,198.9	-2,245.1	572.4	-883.6	-938.5	53.1
ProfitLossFromContinuingOperations_A Profit From Continuing Operations Ann.	1.8%	-21.2%	501.1	311.4	144.7	475.5	1,003.5	1,646.9	393	244.4	311.5	337	247.6
DepreciationAmortizationDepletion_A Depreciation Amortization Depletion Ann.	11.4%	12.9%	69.4	69.7	70	50.2	42.9	37.9	609	258.8	281.6	306.1	155.6
DepreciationAndAmortization_A Depreciation And Amortization Ann.	11.4%	12.9%	69.4	69.7	70	50.2	42.9	37.9	609	258.8	281.6	306.1	155.6
DeferredTax_A Deferred Tax Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
DeferredIncomeTax_A Deferred Income Tax Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
EmployeesStockOptions_A ESOPs Ann.	-5.3%	-4.3%	36.2	20.9	27.6	42.6	37.8	45.1	24.8	25.3	20.7	16.2	17.5
OtherNonCashItems_A Other Non Cash Items Ann.	-	-	-2,246.3	-5,590.6	-2,074.1	4,562.1	1,071	-6,653	-3,219.5	31.7	-1,467.2	-1,603.7	-374.6
ChangeInWorkingCapital_A Change In Working Capital Ann.	-	-	-10.9	-209.5	11.2	309.5	-18	-496.1	-87.7	-27.3	-136.1	-29.6	-23.1
ChangeInReceivables_A Change In Receivables Ann.	3.5%	-	3.1	-4.5	5.7	2.8	35.2	-48.3	-20.3	-9.7	-10.8	2.8	7.3
ChangeInInventory_A Change In Inventory Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ChangePayablesAccruedExpense_A Change Payables Accrued Expense Ann.	23.2%	1.9%	320.3	-75.5	163.8	171.3	133.8	291.1	105.9	23.6	-63.6	54.2	58.5
ChangeInOtherCurrentAssets_A Change In Other Current Assets Ann.	-	-	-63.9	-95.8	-60.4	191.4	61.9	-334.1	-62.6	-7.8	-46.1	-19.3	-18.1
ChangeInOtherCurrentLiabilities_A Change In Other Current Liabilities Ann.	-	-	-18.3	-17.9	-21.2	-19.4	-16.3	-13.4	-12.7	-	-	-	-
ChangeInOtherWorkingCapital_A Change In Other Working Capital Ann.	-	-	-	-	-	-	-	-	-	-	-	18.7	29.7
CFI_A Cash from Investing Act. Ann. ⌄	-	-6.7%	552.5	-1,888	-273.3	-721.6	-304.4	783	148.8	-322.6	-339.2	-34.7	-563.1
NetPPEPurchaseAndSale_A Net PPE Purchase & Sale Ann.	-	-	-11.9	-1.7	-0.4	-7.2	-7.9	-10.7	-6.1	-13.4	-6.8	-21.9	-9.1
PurchaseOfPPE_A Purchase Of PPE Ann.	-	-	-11.9	-1.7	-1.4	-7.2	-7.9	-10.7	-6.1	-13.4	-6.8	-21.9	-9.1
NetBusinessPurchaseAndSale_A Net Business Purchase & Sale Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
PurchaseOfBusiness_A Purchase Of Business Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
PurchaseOfInvestment_A Purchase Of Investment Ann.	-	-		-2,048.2	-242	-877.2	-434.4	-	-	-122.2	-120.7	-67	-24.6
SaleOfInvestment_A Sale Of Investment Ann.	-	-18.1%	358.1	298.7	100	-	8.3	972.5	-	52.3	-	-	2
NetOtherInvestingChanges_A Net Other Investing Changes Ann.	-	-	-369.6	-116.3	-96.5	238.7	178.6	-105.2	2.4	5.9	-16.2	62.8	-145.8
CFA_A Cash from Financing Act. Ann. ⌄	-	-27.4%	1,162.7	5,721.3	1,465.3	-4,323.2	-2,451.4	5,760.1	2,129	-132	1,161.2	967.2	539.2
NetIssuancePaymentsOfDebt_A Net Issuance Payments Of Debt Ann.	37.2%	13.2%	1,175.2	875.5	838.5	454.6	965.4	632.2	-60.6	343.6	546.8	406.7	620.7
NetLongTermDebtIssuance_A Net Long Term Debt Issuance Ann.	37.2%	13.2%	1,175.2	875.5	838.5	454.6	965.4	632.2	-60.6	343.6	546.8	406.7	620.7
NetShortTermDebtIssuance_A Net ST Debt Issuance Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
NetCommonStockIssuance_A Net Common Stock Issuance Ann.	-	-	-4.7		-71.5	-406.1	-958.2	-337.5	-1.1	-5.3	-8.6	-	-
CommonStockIssuance_A Common Stock Issuance Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CommonStockPayments_A Common Stock Payments Ann.	-	-	-4.7		-71.5	-406.1	-958.2	-337.5	-1.1	-5.3	-8.6	-	-
dividend_1Y_actual Dividend 1year	14.5%	19.1%	1.2	1	0.8	0.8	0.8	0.5	0.1
DividendPerShare_A Dividend Per Share Ann.	-	-	-62.6	-52.2	-41.5	-54.6	-52.9	-31	-9.7	-10.1	-	-	-
NetOtherFinancingCharges_A Net Other Financing Charges Ann.	-	-62.3%	41.9	4,878	722.6	-4,320.1	-2,413.2	5,486.9	2,195.2	-465.7	621.7	560.3	-81.4
CashAndCashEquivalentEndOfYear_A Cash Plus Cash Eqv. End Of Year Ann.	-39%	-10.8%	301.7	238.5	938.4	1,328.5	340.1	532.8	188.6	155.9	37.7	99.4	105.5
NetIncDecInCashAndCashEquivalents_A Net Increase In Cash Plus Cash Eqv.s Ann.	-60%	-28.8%	63.2	-699.9	-390.2	988.5	-192.7	344.2	32.7	117.8	-61.6	-6.1	29.2
CashAndCashEquivalentBeginOfYear_A Cash Plus Cash Eqv. Begin Of Year Ann.	-11.2%	4.8%	238.5	938.4	1,328.5	340.1	532.8	188.6	155.9	38.2	99.4	105.5	76.3
IncomeTaxPaidSupplementalData_A Income Tax Paid Supplemental Data Ann.	-	-	-	1.5	-	-	-	-	-	-	-	-	-
InterestPaidSupplementalData_A Interest Paid Supplemental Data Ann.	42.5%	-	955.7	797.2	639.5	330	-	-	-	-	-	-	-
CapitalExpenditure_A Capex Ann.	-	-	-51.2	-22.1	-36.2	-83.1	-56.9	-84.2	-263	-258.5	-202.3	-30.5	-394.7
IssuanceOfCapitalStock_A Issuance Of Capital Stock Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
IssuanceOfDebt_A Issuance Of Debt Ann.	12.9%	3.4%	28,690.9	24,848	23,988.9	19,962.9	24,934.5	24,257.1	23,476.5	26,584.3	23,956.9	32,476.7	18,360.3
RepaymentOfDebt_A Repayment Of Debt Ann.	-	-	-27,515.7	-23,972.6	-23,150.4	-19,508.3	-23,969.1	-23,624.9	-23,537.2	-26,240.6	-23,410.1	-32,069.9	-17,739.7
RepurchaseOfCapitalStock_A Repurchase Of Capital Stock Ann.	-	-	-4.7		-71.5	-406.1	-958.2	-337.5	-1.1	-5.3	-8.6	-	-
FreeCashFlow_A Free Cash Flow Ann.	-	-	-1,703.2	-4,555.4	-1,618.4	5,950.2	2,506.2	-6,283.2	-2,508.1	313.9	-1,085.9	-969.1	-341.6

*All financials are in USD Million and price data in USD

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Cash from Investing Act. Ann.

5Y CAGR

-6.7%

Cash from Investing Activity Annual growth is stable compared to historical averages.

Cash from Financing Act. Ann.

1Y CHG

-79.7%

2Y CAGR

-10.9%

5Y CAGR

-27.4%

10Y CAGR

Cash from Financing Annual Activity is falling faster than historical averages.

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New 52W Low today

PennyMac Fin Services Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

PennyMac Fin Services Inc - Forecaster

Forecaster Analyst Estimates for PennyMac Fin Services Inc share price target, revenues, EPS, net income and more

PennyMac Fin Services Inc - Earnings Report - Quarterly Results

PennyMac Fin Services Inc quarterly results: revenue, profit, and P&L – 13 quarter history

Quarterly Revenue PennyMac Fin Services Inc Jun-2026 Quarterly Revenue is $972 Million which is growth of 4.4% YoY.

Quarterly Net Profit PennyMac Fin Services Inc Jun-2026 Quarterly Net Profit is $22 Million which is growth of -84.1% YoY.

PennyMac Fin Services Inc - Competitors/Peers

PennyMac Fin Services Inc competitor comparison and performance snapshot within industry

PennyMac Fin Services Inc - Earnings Report - Annual Results

PennyMac Fin Services Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

Annual Revenue PennyMac Fin Services Inc Dec-2025 Annual Revenue is $4,420 Million which is growth of 83.2% YoY.

Annual Net Profit PennyMac Fin Services Inc Dec-2025 Annual Net Profit is $501 Million which is growth of 60.9% YoY.

PennyMac Fin Services Inc - Balance Sheet

PennyMac Fin Services Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

Total Shareholders Fund PennyMac Fin Services Inc Dec-2025 Total Shareholders Fund is $4,309 Million which is growth of 12.5% YoY.

Total Assets PennyMac Fin Services Inc Dec-2025 Total Assets is $29,389 Million which is growth of 12.7% YoY.

PennyMac Fin Services Inc - Ratios

PennyMac Fin Services Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

Book Value Per Share PennyMac Fin Services Inc Book Value Per Share is $83 which is growth of 7.0% YoY.

ROE PennyMac Fin Services Inc ROE is 0% which is growth of 0% YoY.

PennyMac Fin Services Inc - Cash Flow

PennyMac Fin Services Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

Cash From Operating Activity PennyMac Fin Services Inc Dec-2025 Cash From Operating Activity is $-1,652 Million which is growth of 63.6% YoY.

Net Cash Flow PennyMac Fin Services Inc Dec-2025 Net Cash Flow is $63 Million which is growth of 109.0% YoY.