PFSI Financials: PennyMac Financial Services Inc AI Analysis

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Financials

PFSI Financial

PennyMac Financial Services Inc

$77.54

2.95%

$2.22

As of today:Aug 19, 10:32:04 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$75.31

Open

$76.15

Day's Range

$76.15 - $77.57

52 week range

$71.67 - $160.36

Volume

8.0K

Avg.Volume

570.3K

Dividend yield

1.53%

EPS (TTM)

7.27

Market Cap

$4.0B

What is PFSI?

PennyMac Financial Services, Inc. is a holding company, which engages in the production and servicing of U.S. residential mortgage loans. The company is headquartered in Westlake Village, California and currently employs 5,241 full-time employees. The company went IPO on 2013-05-09. The firm operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities for its account, as well as for PennyMac Mortgage Investment Trust (PMT). Its loan production segment sources new prime credit quality residential conventional and government-insured or guaranteed mortgage loans through three channels: correspondent production, broker direct lending and consumer direct lending. The servicing segment performs servicing and subservicing of loans on behalf of non-affiliate investors, execution and management of early buyout transactions, and servicing of loans sourced and managed for PMT.

Features

Markets

News

Breakdown	TTM	06/30/2026	03/31/2026	12/31/2025	09/30/2025	06/30/2025
Revenue	3,102	624	794	801	882	684
Revenue Growth (YoY)	17%	-9%	24%	15%	40%	12%
Cost of Revenue	1,026	264	249	262	249	239
Gross Profit	2,075	360	544	538	632	444
Selling, General & Admin	1,598	448	412	374	364	341
Research & Development	--	--	--	--	--	--
Operating Expenses	1,570	330	439	403	392	368
Other Non Operating Income (Expenses)	2	2	--	--	--	--
Pretax Income	507	32	104	134	236	76
Income Tax Expense	114	10	22	27	54	-60
Net Income	392	22	82	106	181	136
Net Income Growth	2%	-84%	8%	2%	162%	39%
Shares Outstanding (Diluted)	53.3	53.3	53.85	54.32	53.87	53.63
Shares Change (YoY)	-1%	-1%	0%	1%	1%	1%
EPS (Diluted)	7.36	0.41	1.52	1.96	3.36	2.54
EPS Growth	2%	-84%	7%	1%	160%	38%
Free Cash Flow	--	--	-1,360	-1,912	-707	-141
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	66.89%	57.69%	68.51%	67.16%	71.65%	64.91%
Operating Margin	16.27%	4.8%	13.22%	16.72%	27.21%	11.11%
Profit Margin	12.63%	3.52%	10.32%	13.23%	20.52%	19.88%
Free Cash Flow Margin	--	--	-171.28%	-238.7%	-80.15%	-20.61%
EBITDA	--	--	118	146	252	90
EBITDA Margin	--	--	14.86%	18.22%	28.57%	13.15%
D&A For EBITDA	--	--	13	12	12	14
EBIT	505	30	105	134	240	76
EBIT Margin	16.27%	4.8%	13.22%	16.72%	27.21%	11.11%
Effective Tax Rate	22.48%	31.25%	21.15%	20.14%	22.88%	-78.94%

Breakdown

TTM

06/30/2026

03/31/2026

12/31/2025

09/30/2025

06/30/2025

Revenue

3,102

624

794

801

882

684

Revenue Growth (YoY)

17%

-9%

24%

15%

40%

12%

Cost of Revenue

1,026

264

249

262

249

239

Gross Profit

2,075

360

544

538

632

444

Selling, General & Admin

1,598

448

412

374

364

341

Research & Development

Operating Expenses

1,570

330

439

403

392

368

Other Non Operating Income (Expenses)

Pretax Income

507

104

134

236

Income Tax Expense

114

-60

Net Income

392

106

181

136

Net Income Growth

-84%

162%

39%

Shares Outstanding (Diluted)

53.3

53.85

54.32

53.87

53.63

Shares Change (YoY)

-1%

EPS (Diluted)

7.36

0.41

1.52

1.96

3.36

2.54

EPS Growth

-84%

160%

38%

Free Cash Flow

-1,360

-1,912

-707

-141

Free Cash Flow Per Share

Gross Margin

66.89%

57.69%

68.51%

67.16%

71.65%

64.91%

Operating Margin

16.27%

4.8%

13.22%

16.72%

27.21%

11.11%

Profit Margin

12.63%

3.52%

10.32%

13.23%

20.52%

19.88%

Free Cash Flow Margin

-171.28%

-238.7%

-80.15%

-20.61%

EBITDA

118

146

252

EBITDA Margin

14.86%

18.22%

28.57%

13.15%

D&A For EBITDA

EBIT

505

105

134

240

EBIT Margin

16.27%

4.8%

13.22%

16.72%

27.21%

11.11%

Effective Tax Rate

22.48%

31.25%

21.15%

20.14%

22.88%

-78.94%

Follow-Up Questions

What are PennyMac Financial Services Inc's key financial statements?

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According to the latest financial statement (Form-10K), PennyMac Financial Services Inc has a total asset of $0, Net loss of $0

What are the key financial ratios for PFSI?

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PennyMac Financial Services Inc's Current ratio is 0, has a Net margin is 0, sales per share of $0.

How is PennyMac Financial Services Inc's revenue broken down by segment or geography?

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Currently PennyMac Financial Services Inc data is not available.

Is PennyMac Financial Services Inc profitable?

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no, according to the latest financial statements, PennyMac Financial Services Inc has a net loss of $0

Does PennyMac Financial Services Inc have any liabilities?

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no, PennyMac Financial Services Inc has liability of 0

How many outstanding shares for PennyMac Financial Services Inc?

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PennyMac Financial Services Inc has a total outstanding shares of 0

PennyMac Financial Services Inc (PFSI) Financial

PFSI Stock Price Chart

Key Stats

Prev.Close

Open

Day's Range

52 week range

Volume

Avg.Volume

Dividend yield

EPS (TTM)

Market Cap

What is PFSI?

PennyMac Financial Services Inc (PFSI) Financial

PFSI Stock Price Chart

Key Stats

Prev.Close

Open

Day's Range

52 week range

Volume

Avg.Volume

Dividend yield

EPS (TTM)

Market Cap

What is PFSI?

PFSI Income

Follow-Up Questions

What are PennyMac Financial Services Inc's key financial statements?

What are the key financial ratios for PFSI?

How is PennyMac Financial Services Inc's revenue broken down by segment or geography?

Is PennyMac Financial Services Inc profitable?

Does PennyMac Financial Services Inc have any liabilities?

How many outstanding shares for PennyMac Financial Services Inc?