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PennyMac Financial Services, Inc.

PFSI Clue Score42
United States Fiscal year ends December CIK 0001745916
$59.90 -2.35% Close, 9 Oct 2026
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Price $59.90 −5.36% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue0.00Net income0.07EPS, diluted2.94Fiscal year 2017Revenue0.00 +11.5%Net income0.10 +52.5%EPS, diluted4.03Fiscal year 2018Revenue0.01 +151.2%Net income0.09 −13.0%EPS, diluted2.59Fiscal year 2019Revenue0.01 −4.0%Net income0.39 +348.1%EPS, diluted4.89Fiscal year 2020Revenue0.01 −24.1%Net income1.65 +319.1%EPS, diluted20.92Fiscal year 2021Revenue0.01 +8.7%Net income1.00 −39.1%EPS, diluted14.87Fiscal year 2022Revenue0.01 +69.2%Net income0.48 −52.6%EPS, diluted8.50Fiscal year 2023Revenue0.01 +8.2%Net income0.14 −69.6%EPS, diluted2.74Fiscal year 2024Revenue0.03 +100.5%Net income0.31 +115.3%EPS, diluted5.84Fiscal year 2025Revenue0.02 −25.2%Net income0.50 +60.9%EPS, diluted9.30
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.00 0.00 0.01 0.01 0.01 0.01 0.01 0.01 0.03 0.02
Growth +11.5% +151.2% −4.0% −24.1% +8.7% +69.2% +8.2% +100.5% −25.2%
Net income 0.07 0.10 0.09 0.39 1.65 1.00 0.48 0.14 0.31 0.50
Growth +52.5% −13.0% +348.1% +319.1% −39.1% −52.6% −69.6% +115.3% +60.9%
EPS, diluted 2.94 4.03 2.59 4.89 20.92 14.87 8.50 2.74 5.84 9.30

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin2,001.2%Free cash flow margin−29,078.6%Fiscal year 2017Net margin2,735.7%Free cash flow margin−24,170.6%Fiscal year 2018Net margin947.7%Free cash flow margin6,041.0%Fiscal year 2019Net margin4,425.3%Free cash flow margin−25,351.9%Fiscal year 2020Net margin24,445.4%Free cash flow margin−92,171.7%Fiscal year 2021Net margin13,699.5%Free cash flow margin34,882.8%Fiscal year 2022Net margin3,837.2%Free cash flow margin48,628.8%Fiscal year 2023Net margin1,079.3%Free cash flow margin−11,815.3%Fiscal year 2024Net margin1,159.1%Free cash flow margin−16,878.8%Fiscal year 2025Net margin2,491.9%Free cash flow margin−8,274.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 2,001.2% 2,735.7% 947.7% 4,425.3% 24,445.4% 13,699.5% 3,837.2% 1,079.3% 1,159.1% 2,491.9%
Free cash flow margin −29,078.6% −24,170.6% 6,041.0% −25,351.9% −92,171.7% 34,882.8% 48,628.8% −11,815.3% −16,878.8% −8,274.8%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow−0.94Capital expenditure−0.02Free cash flow−0.96Fiscal year 2017Operating cash flow−0.88Capital expenditure−0.01Free cash flow−0.89Buybacks−0.01Fiscal year 2018Operating cash flow0.57Capital expenditure−0.01Free cash flow0.56Buybacks−0.01Dividends paid−0.01Fiscal year 2019Operating cash flow−2.25Capital expenditure−0.01Free cash flow−2.25 −502.7%Buybacks−0.00Dividends paid−0.01Fiscal year 2020Operating cash flow−6.20Capital expenditure−0.01Free cash flow−6.21Buybacks−0.34Dividends paid−0.03Fiscal year 2021Operating cash flow2.56Capital expenditure−0.01Free cash flow2.56Buybacks−0.96Dividends paid−0.05Fiscal year 2022Operating cash flow6.03Capital expenditure−0.01Free cash flow6.03 +135.8%Buybacks−0.41Dividends paid−0.05Fiscal year 2023Operating cash flow−1.58Capital expenditure−0.00Free cash flow−1.58 −126.3%Buybacks−0.07Dividends paid−0.04Fiscal year 2024Operating cash flow−4.53Capital expenditure−0.00Free cash flow−4.53Dividends paid−0.05Fiscal year 2025Operating cash flow−1.65Capital expenditure−0.01Free cash flow−1.66Buybacks−0.00Dividends paid−0.06
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −0.94 −0.88 0.57 −2.25 −6.20 2.56 6.03 −1.58 −4.53 −1.65
Capital expenditure −0.02 −0.01 −0.01 −0.01 −0.01 −0.01 −0.01 −0.00 −0.00 −0.01
Free cash flow −0.96 −0.89 0.56 −2.25 −6.21 2.56 6.03 −1.58 −4.53 −1.66
Growth −502.7% +135.8% −126.3%
Buybacks n/a −0.01 −0.01 −0.00 −0.34 −0.96 −0.41 −0.07 n/a −0.00
Dividends paid n/a n/a −0.01 −0.01 −0.03 −0.05 −0.05 −0.04 −0.05 −0.06

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.10Shareholders’ equity1.40Fiscal year 2017Cash0.04Total debt1.14Net cash (debt)−1.10Shareholders’ equity0.47Debt to equity2.42Fiscal year 2018Cash0.16Total debt1.65Net cash (debt)−1.49Shareholders’ equity1.65Debt to equity1.00Fiscal year 2019Cash0.19Total debt1.49Net cash (debt)−1.30Shareholders’ equity2.06Debt to equity0.72Fiscal year 2020Cash0.53Shareholders’ equity3.39Fiscal year 2021Cash0.34Total debt3.10Net cash (debt)−2.76Shareholders’ equity3.42Debt to equity0.91Fiscal year 2022Cash1.33Total debt3.75Net cash (debt)−2.42Shareholders’ equity3.47Debt to equity1.08Fiscal year 2023Cash0.94Total debt4.43Net cash (debt)−3.49Shareholders’ equity3.54Debt to equity1.25Fiscal year 2024Cash0.24Total debt5.26Net cash (debt)−5.02Shareholders’ equity3.83Debt to equity1.37Fiscal year 2025Cash0.30Total debt6.23Net cash (debt)−5.93Shareholders’ equity4.31Debt to equity1.45
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.10 0.04 0.16 0.19 0.53 0.34 1.33 0.94 0.24 0.30
Total debt n/a 1.14 1.65 1.49 n/a 3.10 3.75 4.43 5.26 6.23
Net cash (debt) n/a −1.10 −1.49 −1.30 n/a −2.76 −2.42 −3.49 −5.02 −5.93
Shareholders’ equity 1.40 0.47 1.65 2.06 3.39 3.42 3.47 3.54 3.83 4.31
Debt to equity n/a 2.42 1.00 0.72 n/a 0.91 1.08 1.25 1.37 1.45

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
11,601.5% 9,120.5% 2,893.1% 5,962.2% 33,258.3% 18,555.4% 5,368.4% 1,370.1% 1,492.6% 2,742.3%
2,001.2% 2,735.7% 947.7% 4,425.3% 24,445.4% 13,699.5% 3,837.2% 1,079.3% 1,159.1% 2,491.9%
−29,078.6% −24,170.6% 6,041.0% −25,351.9% −92,171.7% 34,882.8% 48,628.8% −11,815.3% −16,878.8% −8,274.8%
Spending
661.8% 184.4% 145.0% 69.0% 158.4% 107.8% 57.8% 10.3% 6.4% 59.3%
12.0% 7.3% 8.7% 25.8% 26.5% 26.2% 28.5% 21.2% 22.3% 9.1%
Returns
4.7% 21.5% 5.3% 19.1% 48.6% 29.4% 13.7% 4.1% 8.1% 11.6%
n/a 1.4% 1.2% 3.9% 5.2% 5.3% 2.8% 0.8% 1.2% 1.7%
Balance and payout
n/a 2.42 1.00 0.72 n/a 0.91 1.08 1.25 1.37 1.45
n/a 76.7% 77.9% 79.8% 89.3% 81.8% 79.4% 81.2% 85.3% 85.3%
n/a n/a 11.5% 2.5% 1.9% 5.3% 11.5% 28.7% 16.7% 12.5%
n/a n/a 2.7% n/a n/a 39.6% 7.6% n/a n/a n/a