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PennyMac Financial Services, Inc. PFSI

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Price alert · PFSI

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67.09 USD -0.46 (-0.68%)

At closeNov 6, 2026, 4:00 AM EST

66.10 -0.99 -1.48%

Pre-market · Nov 6, 4:00 AM ET

65.62 Day range 68.99
57.52 52-week range 160.36
YTD
-49.11%
1 year
-46.09%

Financial health

Altman Z-Score

0.23 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C+2 / 5 overall

  • DCF 1
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 4

Valuation

P/E 13.6×
FY 2016: 5.6×FY 2017: 5.1×FY 2018: 8.2×FY 2019: 6.8×FY 2020: 3.0×FY 2021: 4.4×FY 2022: 6.3×FY 2023: 30.6×FY 2024: 16.7×FY 2025: 13.6×
FY 2016 5y median 13.6× FY 2025
P/S 1.5×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 0.6×FY 2019: 1.6×FY 2020: 1.2×FY 2021: 1.3×FY 2022: 1.3×FY 2023: 2.2×FY 2024: 1.8×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/B 1.6×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 0.4×FY 2019: 1.3×FY 2020: 1.5×FY 2021: 1.3×FY 2022: 0.9×FY 2023: 1.2×FY 2024: 1.4×FY 2025: 1.6×
FY 2016 5y median 1.3× FY 2025
P/FCF -4.8×
FY 2016: -0.4×FY 2017: -0.5×FY 2018: 2.3×FY 2019: -1.2×FY 2020: -0.8×FY 2021: 1.8×FY 2022: 0.5×FY 2023: -2.7×FY 2024: -1.1×FY 2025: -4.8×
FY 2016 5y median -1.1× FY 2025
EV/EBITDA 47.6×
FY 2016: 4.7×FY 2017: 8.9×FY 2018: 19.4×FY 2019: 17.4×FY 2020: 13.7×FY 2021: 12.9×FY 2022: 18.2×FY 2023: 40.0×FY 2024: 54.0×FY 2025: 47.6×
FY 2016 5y median 40.0× FY 2025
EV/Sales 6.7×
FY 2016: 3.2×FY 2017: 5.1×FY 2018: 4.8×FY 2019: 5.7×FY 2020: 7.9×FY 2021: 5.1×FY 2022: 5.8×FY 2023: 8.3×FY 2024: 9.0×FY 2025: 6.7×
FY 2016 5y median 6.7× FY 2025
FCF Yield -20.7%
FY 2016: -262.6%FY 2017: -209.4%FY 2018: 43.6%FY 2019: -80.9%FY 2020: -127.4%FY 2021: 56.3%FY 2022: 197.9%FY 2023: -36.6%FY 2024: -87.5%FY 2025: -20.7%
FY 2016 5y median -20.7% FY 2025

Profitability

Gross Margin 59.3%
FY 2016: 58.0%FY 2017: 52.6%FY 2018: 50.3%FY 2019: 53.1%FY 2020: 70.0%FY 2021: 59.9%FY 2022: 56.3%FY 2023: 41.6%FY 2024: 48.1%FY 2025: 59.3%
FY 2016 5y median 56.3% FY 2025
Operating Margin 12.5%
FY 2016: 37.8%FY 2017: 31.1%FY 2018: 23.5%FY 2019: 31.5%FY 2020: 56.7%FY 2021: 38.2%FY 2022: 29.7%FY 2023: 17.4%FY 2024: 14.1%FY 2025: 12.5%
FY 2016 5y median 17.4% FY 2025
Net Margin 11.3%
FY 2016: 6.5%FY 2017: 9.3%FY 2018: 7.7%FY 2019: 23.4%FY 2020: 41.7%FY 2021: 28.2%FY 2022: 20.5%FY 2023: 7.1%FY 2024: 10.9%FY 2025: 11.3%
FY 2016 5y median 11.3% FY 2025
ROE 11.6%
FY 2016: 19.0%FY 2017: 21.5%FY 2018: 5.3%FY 2019: 19.1%FY 2020: 48.6%FY 2021: 29.4%FY 2022: 13.7%FY 2023: 4.1%FY 2024: 8.1%FY 2025: 11.6%
FY 2016 5y median 11.6% FY 2025
ROIC 1.7%
FY 2016: 7.6%FY 2017: 4.6%FY 2018: 3.7%FY 2019: 4.3%FY 2020: 5.4%FY 2021: 5.7%FY 2022: 3.2%FY 2023: 1.6%FY 2024: 1.3%FY 2025: 1.7%
FY 2016 5y median 1.7% FY 2025
ROA 1.7%
FY 2016: 1.3%FY 2017: 1.4%FY 2018: 1.2%FY 2019: 3.9%FY 2020: 5.2%FY 2021: 5.3%FY 2022: 2.8%FY 2023: 0.8%FY 2024: 1.2%FY 2025: 1.7%
FY 2016 5y median 1.7% FY 2025

Growth (YoY)

Revenue 55.3%
FY 2016: 30.3%FY 2017: 6.6%FY 2018: 5.3%FY 2019: 47.7%FY 2020: 135.3%FY 2021: -10.0%FY 2022: -34.8%FY 2023: -12.2%FY 2024: 39.6%FY 2025: 55.3%
FY 2016 FY 2025
Operating Income 37.0%
FY 2016: 37.2%FY 2017: -12.3%FY 2018: -20.3%FY 2019: 97.8%FY 2020: 323.2%FY 2021: -39.3%FY 2022: -49.3%FY 2023: -48.6%FY 2024: 13.7%FY 2025: 37.0%
FY 2016 FY 2025
EPS (diluted) 59.2%
FY 2016: 35.5%FY 2017: -56.5%FY 2018: 93.8%FY 2019: 97.2%FY 2020: 327.8%FY 2021: -28.9%FY 2022: -42.8%FY 2023: -67.8%FY 2024: 113.1%FY 2025: 59.2%
FY 2016 FY 2025
Free Cash Flow 69.0%
FY 2016: -183.7%FY 2017: -12.1%FY 2018: 128.9%FY 2019: -786.0%FY 2020: -191.8%FY 2021: 139.9%FY 2022: 137.4%FY 2023: -127.2%FY 2024: -181.5%FY 2025: 69.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 1.4×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 1.3×FY 2020: 2.6×FY 2021: 1.7×FY 2022: 2.3×FY 2023: 2.1×FY 2024: 1.6×FY 2025: 0.0×
FY 2016 5y median 1.7× FY 2025
Quick Ratio 0.0×
FY 2016: 1.4×FY 2017: 1.7×FY 2018: 1.1×FY 2019: 1.3×FY 2020: 2.6×FY 2021: 1.7×FY 2022: 2.3×FY 2023: 2.1×FY 2024: 1.6×FY 2025: 0.0×
FY 2016 5y median 1.7× FY 2025
Debt / Equity 5.4×
FY 2016: 8.6×FY 2017: 10.7×FY 2018: 2.9×FY 2019: 3.5×FY 2020: 7.9×FY 2021: 4.1×FY 2022: 3.4×FY 2023: 3.8×FY 2024: 5.4×FY 2025: 5.4×
FY 2016 5y median 4.1× FY 2025
Net Debt / EBITDA 36.7×
FY 2016: 4.2×FY 2017: 8.1×FY 2018: 16.8×FY 2019: 12.6×FY 2020: 11.6×FY 2021: 9.7×FY 2022: 14.2×FY 2023: 29.6×FY 2024: 43.0×FY 2025: 36.7×
FY 2016 5y median 29.6× FY 2025
Interest Coverage 0.0×
FY 2016: 3.6×FY 2017: 2.3×FY 2018: 1.9×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.9%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 1.4%FY 2019: 0.4%FY 2020: 0.6%FY 2021: 1.2%FY 2022: 1.8%FY 2023: 0.9%FY 2024: 1.0%FY 2025: 0.9%
FY 2016 5y median 1.0% FY 2025
Payout Ratio 12.5%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 11.5%FY 2019: 2.5%FY 2020: 1.9%FY 2021: 5.3%FY 2022: 11.5%FY 2023: 28.7%FY 2024: 16.7%FY 2025: 12.5%
FY 2016 5y median 12.5% FY 2025

Annual · latest fiscal year ends 2025-12-31