PennyMac Financial Services (PFSI) Financials

$97.04 +1.48 (+1.54%)

Closing price 04/17/2025 03:59 PM Eastern

Extended Trading

$97.02 -0.03 (-0.03%)

As of 04/17/2025 05:39 PM Eastern

Annual Income Statements for PennyMac Financial Services

This table shows PennyMac Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	66	101	88	393	1,647	1,003	476	513	-88
Consolidated Net Income / (Loss)	337	312	244	393	1,647	825	412	145	311
Net Income / (Loss) Continuing Operations	337	182	244	393	1,647	825	412	513	-88
Total Pre-Tax Income	383	336	268	529	2,241	1,359	665	184	401
Total Revenue	935	826	985	1,477	3,705	2,988	2,253	1,757	1,168
Net Interest Income / (Expense)	-25	-1.34	72	77	-25	-91	-41	-4.85	-26
Total Interest Income	81	143	216	289	247	300	294	-4.85	-26
Investment Securities Interest Income	81	143	216	289	247	300	294	633	794
Other Interest Income	-	-	-	-	-	-	-	-638	-819
Total Interest Expense	106	145	145	212	272	391	0.00	0.00	0.00
Total Non-Interest Income	960	827	912	1,400	3,730	3,079	1,959	1,762	1,194
Trust Fees by Commissions	-300	22	-246	-584	-559	-892	-277	57	55
Other Service Charges	728	762	908	1,258	1,547	1,504	1,442	789	719
Net Realized & Unrealized Capital Gains on Investments	532	370	250	726	2,742	2,466	794	916	419
Other Non-Interest Income	0.22	-326	-0.03	0.42	-0.45	0.34	-0.24	0.00	0.20
Total Non-Interest Expense	549	620	717	948	1,465	1,808	1,651	1,205	1,166
Salaries and Employee Benefits	342	359	403	503	739	1,000	735	577	633
Net Occupancy & Equipment Expense	52	75	87	97	146	177	180	180	182
Marketing Expense	5.26	-	-	5.17	8.66	45	47	18	22
Other Operating Expenses	149	186	226	342	572	586	689	430	329
Nonoperating Income / (Expense), net	-	-	-	-	-	-	-	0.31	-0.06
Income Tax Expense	46	24	23	136	594	356	190	39	90
Basic Earnings per Share	$2.98	$4.34	$2.62	$5.02	$21.91	$15.73	$8.96	$2.89	$6.11
Weighted Average Basic Shares Outstanding	22.16M	23.20M	33.52M	78.21M	75.16M	63.80M	53.07M	49.98M	50.99M
Diluted Earnings per Share	$2.94	$4.03	$2.59	$4.89	$20.92	$14.87	$8.50	$2.74	$5.84
Weighted Average Diluted Shares Outstanding	76.63M	25.00M	35.32M	80.34M	78.73M	67.47M	55.95M	52.73M	53.36M
Weighted Average Basic & Diluted Shares Outstanding	-	-	77.53M	78.56M	69.24M	55.42M	50.03M	50.43M	51.43M
Cash Dividends to Common per Share	-	$0.00	$0.40	-	-	-	$0.80	$0.80	$1.00

This table shows PennyMac Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	135	142	30	58	93	332	39	98	69	-295
Consolidated Net Income / (Loss)	117	-8.01	18	53	244	-171	35	94	275	-93
Net Income / (Loss) Continuing Operations	117	96	18	53	244	198	35	94	275	-492
Total Pre-Tax Income	185	68	38	73	127	-54	44	134	94	129
Total Revenue	458	727	291	331	552	583	302	402	618	-154
Net Interest Income / (Expense)	0.03	3.29	-3.29	-5.69	9.69	-5.56	-9.34	-7.06	7.87	-17
Total Interest Income	83	107	128	173	167	-473	156	201	225	-608
Investment Securities Interest Income	83	107	128	173	167	165	156	201	225	211
Total Interest Expense	83	-231	132	179	0.00	-310	166	208	0.00	-374
Total Non-Interest Income	458	389	294	337	385	745	311	409	392	81
Trust Fees by Commissions	-69	-245	-189	-210	-203	659	-323	-273	-386	1,037
Other Service Charges	358	-188	379	405	436	-431	471	506	522	-780
Net Realized & Unrealized Capital Gains on Investments	169	609	105	142	152	518	163	176	257	-177
Other Non-Interest Income	-	-	0.03	0.12	-0.05	-0.09	0.01	-0.04	0.07	0.16
Total Non-Interest Expense	291	601	265	264	274	403	262	272	318	314
Salaries and Employee Benefits	158	134	148	137	157	135	146	142	171	173
Net Occupancy & Equipment Expense	47	45	45	45	48	42	45	44	45	49
Marketing Expense	7.60	3.75	3.24	5.58	4.63	4.18	3.67	5.45	5.09	7.77
Other Operating Expenses	78	419	69	76	64	222	67	81	96	84
Income Tax Expense	50	30	7.77	15	34	-17	4.58	36	25	25
Basic Earnings per Share	$2.59	$0.88	$0.61	$1.17	$1.86	($0.75)	$0.78	$1.93	$1.36	$2.04
Weighted Average Basic Shares Outstanding	52.17M	53.07M	50.15M	49.87M	49.90M	49.98M	50.55M	50.96M	51.18M	50.99M
Diluted Earnings per Share	$2.46	$0.82	$0.57	$1.11	$1.77	($0.71)	$0.74	$1.85	$1.30	$1.95
Weighted Average Diluted Shares Outstanding	54.97M	55.95M	53.35M	52.26M	52.56M	52.73M	53.10M	53.20M	53.50M	53.36M
Weighted Average Basic & Diluted Shares Outstanding	50.08M	50.03M	49.92M	49.87M	49.93M	50.43M	50.92M	51.19M	51.26M	51.43M

This table details how cash moves in and out of PennyMac Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Change in Cash & Equivalents	-5.91	-61	118	33	344	-193	988	-390	-700
Net Cash From Operating Activities	-938	-883	572	-2,245	-6,199	2,563	6,033	-1,582	-4,533
Net Cash From Continuing Operating Activities	-938	-883	573	-2,245	-6,199	2,563	6,033	-1,582	-4,533
Net Income / (Loss) Continuing Operations	337	312	244	393	1,647	1,003	476	145	311
Consolidated Net Income / (Loss)	337	312	244	393	1,647	1,003	476	145	311
Provision For Loan Losses	36	43	40	36	126	-48	-36	3.27	33
Depreciation Expense	5.85	8.40	13	15	26	29	34	53	56
Amortization Expense	311	280	-29	6.06	31	39	35	38	42
Non-Cash Adjustments to Reconcile Net Income	-1,599	-1,452	207	-2,608	-7,532	1,558	5,215	-1,833	-4,767
Changes in Operating Assets and Liabilities, net	-29	-75	98	-88	-496	-18	310	11	-210
Net Cash From Investing Activities	-35	-339	-323	149	783	-304	-722	-273	-1,888
Net Cash From Continuing Investing Activities	-35	-339	-323	149	783	-304	-722	-273	-1,888
Purchase of Property, Leasehold Improvements and Equipment	-30	-24	-31	-36	-59	-57	-79	-36	-22
Purchase of Investment Securities	-67	-209	-350	139	914	-354	-881	-242	-1,638
Sale of Property, Leasehold Improvements and Equipment	-	-	-	-	-	0.00	0.00	1.00	0.00
Sale and/or Maturity of Investments	-	-84	65	43	59	8.34	0.00	100	-112
Other Investing Activities, net	63	-22	-7.21	2.39	-132	98	239	-96	-116
Net Cash From Financing Activities	967	1,161	-132	2,129	5,760	-2,451	-4,323	1,465	5,721
Net Cash From Continuing Financing Activities	967	1,161	-132	2,129	5,760	-2,451	-4,323	1,465	5,721
Issuance of Debt	32,354	945	26,584	23,477	650	1,150	19,963	23,989	1,700
Repayment of Debt	-77,255	-35,475	-68,081	-85,141	-96,758	-138,769	-98,897	-107,771	-104,944
Repurchase of Common Equity	0.00	-8.60	-5.29	-1.06	-337	-958	-406	-71	0.00
Payment of Dividends	-7.63	0.00	-10	-9.71	-31	-53	-55	-41	-52
Other Financing Activities, Net	45,876	35,700	41,380	63,804	102,236	136,178	75,071	85,361	109,017
Cash Interest Paid	-	-	-	-	273	390	330	639	797
Cash Income Taxes Paid	-	-	-	-	476	293	-128	-1.17	1.49

This table details how cash moves in and out of PennyMac Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	143	-230	169	34	-355	-239	-11	-332	-450	93
Net Cash From Operating Activities	-588	489	-3,265	2,228	-976	430	-898	-1,093	-394	-2,149
Net Cash From Continuing Operating Activities	-588	489	-3,265	2,228	-976	430	-898	-1,093	-394	-2,149
Net Income / (Loss) Continuing Operations	135	38	30	58	93	-37	39	98	69	104
Consolidated Net Income / (Loss)	135	38	30	58	93	-37	39	98	69	104
Provision For Loan Losses	-0.82	16	-3.08	-1.97	-2.55	11	-1.54	5.93	9.58	19
Depreciation Expense	9.43	11	13	13	13	14	14	14	14	14
Amortization Expense	8.47	8.67	9.76	8.71	9.77	10	11	1.80	20	10
Non-Cash Adjustments to Reconcile Net Income	-898	522	-3,286	2,099	-1,184	538	-831	-1,298	-512	-2,125
Changes in Operating Assets and Liabilities, net	158	-106	-28	51	94	-106	-130	85	6.42	-171
Net Cash From Investing Activities	-56	-238	-21	-166	-191	105	-783	-738	-239	-128
Net Cash From Continuing Investing Activities	-56	-238	-21	-166	-191	105	-783	-738	-239	-128
Purchase of Property, Leasehold Improvements and Equipment	-22	-14	-11	-9.11	-8.67	-7.63	-4.78	-5.20	-4.49	-7.63
Purchase of Investment Securities	-241	-67	78	-99	-430	208	-749	-756	360	-492
Sale and/or Maturity of Investments	-31	29	8.84	-4.50	101	-4.72	10	3.14	-513	388
Other Investing Activities, net	237	-187	-97	-53	146	-92	-39	20	-81	-16
Net Cash From Financing Activities	787	-482	3,455	-2,028	812	-774	1,670	1,499	183	2,370
Net Cash From Continuing Financing Activities	787	-482	3,455	-2,028	812	-774	1,670	1,499	183	2,370
Issuance of Debt	14,948	4,515	680	10,043	-9,843	23,109	725	11,618	6,150	-16,793
Repayment of Debt	-30,559	-21,406	-13,878	-34,659	-11,282	-47,953	-19,880	-37,834	-34,465	-12,765
Payment of Dividends	-22	-10	-11	-10	-10	-10	-10	-10	-16	-16
Other Financing Activities, Net	16,520	16,471	16,709	22,624	21,947	24,081	20,835	27,726	28,514	31,943
Cash Interest Paid	82	93	130	176	158	176	152	221	198	226
Cash Income Taxes Paid	28	-247	-0.42	-0.55	0.08	-0.28	0.12	0.54	1.40	-0.58

This table presents PennyMac Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	7,368	7,479	10,204	31,598	18,777	16,823	18,845	26,087
Cash and Due from Banks	38	155	188	533	340	1,329	938	238
Trading Account Securities	3,177	2,618	5,073	12,328	10,076	3,608	4,600	9,156
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	2,863	4,599	4,895	18,650	8,320	11,886	13,306	16,692
Total Liabilities & Shareholders' Equity	7,368	7,479	10,204	31,598	18,777	16,823	18,845	26,087
Total Liabilities	5,648	5,825	8,143	28,208	15,358	13,352	15,306	22,257
Long-Term Debt	2,627	3,143	3,017	17,220	6,580	8,712	9,729	11,867
Other Long-Term Liabilities	3,000	2,675	5,105	10,976	8,775	4,639	5,577	10,391
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,720	1,654	2,062	3,389	3,418	3,471	3,539	3,830
Total Preferred & Common Equity	469	1,654	2,062	3,389	3,418	3,471	3,539	3,830
Total Common Equity	469	1,654	2,062	3,389	3,418	3,471	3,539	3,830
Common Stock	204	1,311	1,335	1,047	125	0.01	24	56
Retained Earnings	265	343	726	2,342	3,293	3,471	3,514	3,774

This table presents PennyMac Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	16,362	20,103	17,984	18,949	19,802	21,578	22,872
Cash and Due from Banks	1,559	1,498	1,532	1,177	927	595	146
Trading Account Securities	4,314	6,883	4,356	5,290	5,834	7,299	7,717
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	10,457	11,687	12,096	12,482	13,040	13,683	15,009
Total Liabilities & Shareholders' Equity	16,362	20,103	17,984	18,949	19,802	21,578	22,872
Total Liabilities	12,880	16,651	14,506	15,376	16,231	17,916	19,132
Long-Term Debt	7,698	9,325	9,161	9,400	9,259	9,955	10,916
Other Long-Term Liabilities	5,182	7,326	5,344	5,976	6,973	7,961	8,217
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	3,482	3,452	3,479	3,573	3,570	3,661	3,739
Total Preferred & Common Equity	3,482	3,452	3,479	3,573	3,570	3,661	3,739
Total Common Equity	3,482	3,452	3,479	3,573	3,570	3,661	3,739
Common Stock	0.01	0.01	0.01	11	27	30	54
Retained Earnings	3,482	3,452	3,479	3,561	3,543	3,631	3,685

This table displays calculated financial ratios and metrics derived from PennyMac Financial Services' official financial filings.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Growth Metrics	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	-11.69%	19.25%	50.01%	150.86%	-19.35%	-24.62%	-22.01%	-33.53%
EBITDA Growth	0.00%	-29.75%	-49.11%	118.79%	317.57%	-45.70%	-46.23%	-4.06%	-84.40%
EBIT Growth	0.00%	-46.62%	29.85%	97.64%	323.45%	-47.32%	-49.05%	-8.19%	-99.65%
NOPAT Growth	0.00%	-7.55%	-21.53%	60.76%	319.09%	-39.07%	-52.61%	-69.63%	115.68%
Net Income Growth	0.00%	-7.55%	-21.53%	60.76%	319.09%	-49.93%	-50.08%	-64.85%	115.29%
EPS Growth	0.00%	37.07%	-35.73%	88.80%	327.81%	-28.92%	-42.84%	-67.76%	113.14%
Operating Cash Flow Growth	0.00%	5.85%	164.79%	-492.23%	-176.11%	141.35%	135.39%	-126.23%	-186.51%
Free Cash Flow Firm Growth	0.00%	0.00%	95.27%	150.81%	-14,344.91%	183.77%	-114.68%	44.91%	-125.25%
Invested Capital Growth	0.00%	0.00%	9.99%	6.15%	304.39%	-51.50%	21.81%	8.90%	18.31%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	30.84%	-34.78%	121.65%	24.23%	12.21%	-23.24%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	455.81%	-64.21%	152.60%	81.57%	10.10%	-80.48%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	111.23%	-64.83%	148.34%	98.18%	10.88%	-99.53%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	34.00%	22.29%	-21.80%	-22.17%	-34.09%	83.12%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	145.85%	178.03%	-65.62%	120.39%	-52.95%	-15.54%
EPS Q/Q Growth	0.00%	0.00%	0.00%	33.61%	22.84%	-15.80%	-20.26%	-35.83%	83.65%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	15.53%	-21.34%	-38.42%	418.13%	13.05%	-3.88%	-131.97%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	15.98%	-7.15%	-294.68%	40.28%	-40.06%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	5.81%	-9.08%	-12.61%	8.97%	2.27%	7.11%
Profitability Metrics	-	-	-	-	-	-	-	-	-
EBITDA Margin	75.23%	59.84%	25.54%	37.25%	62.00%	41.74%	29.78%	36.63%	8.60%
EBIT Margin	41.31%	24.97%	27.19%	35.82%	60.46%	39.49%	26.69%	31.43%	0.17%
Profit (Net Income) Margin	36.04%	37.73%	24.83%	26.61%	44.45%	27.59%	18.27%	8.23%	26.67%
Tax Burden Percent	87.97%	92.74%	91.31%	74.22%	73.50%	60.67%	61.87%	78.78%	77.66%
Interest Burden Percent	99.19%	162.94%	100.00%	100.07%	100.01%	115.16%	110.63%	33.26%	20,650.15%
Effective Tax Rate	12.03%	7.26%	8.69%	25.78%	26.50%	26.17%	28.52%	21.22%	22.34%
Return on Invested Capital (ROIC)	0.00%	14.26%	5.33%	7.94%	12.81%	6.55%	4.29%	1.13%	2.15%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	14.26%	5.33%	7.94%	12.81%	5.05%	3.45%	1.14%	2.15%
Return on Net Nonoperating Assets (RNNOA)	0.00%	21.97%	9.16%	13.22%	47.62%	17.67%	7.66%	2.99%	6.30%
Return on Equity (ROE)	0.00%	36.23%	14.49%	21.15%	60.43%	24.22%	11.95%	4.13%	8.45%
Cash Return on Invested Capital (CROIC)	0.00%	-185.74%	-4.18%	1.97%	-107.89%	75.91%	-15.38%	-7.39%	-14.62%
Operating Return on Assets (OROA)	0.00%	2.80%	3.61%	5.98%	10.72%	4.69%	3.38%	3.10%	0.01%
Return on Assets (ROA)	0.00%	4.23%	3.29%	4.44%	7.88%	3.27%	2.31%	0.81%	1.39%
Return on Common Equity (ROCE)	0.00%	9.89%	9.12%	21.15%	60.43%	24.22%	11.95%	4.13%	8.45%
Return on Equity Simple (ROE_SIMPLE)	0.00%	66.36%	14.78%	19.06%	48.59%	24.12%	11.86%	4.09%	8.13%
Net Operating Profit after Tax (NOPAT)	337	312	244	393	1,647	1,003	476	144	311
NOPAT Margin	36.04%	37.73%	24.83%	26.61%	44.45%	33.58%	21.11%	8.22%	26.67%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	1.50%	0.84%	0.00%	0.00%
SG&A Expenses to Revenue	42.77%	52.48%	49.82%	40.99%	24.10%	40.89%	42.71%	44.08%	71.69%
Operating Expenses to Revenue	58.69%	75.03%	72.81%	64.18%	39.54%	60.51%	73.31%	68.57%	99.83%
Earnings before Interest and Taxes (EBIT)	386	206	268	529	2,240	1,180	601	552	1.94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	703	494	251	550	2,297	1,248	671	644	100
Valuation Ratios	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	0.93	1.22	1.33	1.16	0.80	1.23	1.36
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.95	1.22	1.33	1.16	0.80	1.23	1.36
Price to Revenue (P/Rev)	0.00	0.00	1.56	1.70	1.22	1.33	1.23	2.48	4.47
Price to Earnings (P/E)	0.00	0.00	17.56	6.38	2.74	3.95	5.82	8.48	0.00
Dividend Yield	0.00%	0.00%	2.01%	0.38%	0.87%	1.19%	1.81%	0.92%	0.98%
Earnings Yield	0.00%	0.00%	5.70%	15.68%	36.44%	25.31%	17.19%	11.80%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.94	1.05	1.03	1.02	0.83	0.99	1.07
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	4.61	3.63	5.73	3.42	4.51	7.48	14.43
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	18.03	9.73	9.24	8.18	15.13	20.42	167.78
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	16.94	10.12	9.47	8.65	16.88	23.81	8,675.57
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	18.55	13.63	12.88	10.17	21.35	91.02	54.09
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	7.92	0.00	0.00	3.98	1.68	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	54.98	0.00	0.88	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	1.54	1.90	1.47	5.08	1.93	2.51	2.75	3.10
Long-Term Debt to Equity	0.00	1.54	1.90	1.47	5.08	1.93	2.51	2.75	3.10
Financial Leverage	0.00	1.54	1.72	1.67	3.72	3.50	2.22	2.63	2.93
Leverage Ratio	0.00	4.28	4.40	4.76	7.67	7.40	5.17	5.09	6.10
Compound Leverage Factor	0.00	6.98	4.40	4.76	7.67	8.52	5.72	1.69	1,259.24
Debt to Total Capital	0.00%	60.63%	65.57%	59.57%	83.56%	65.82%	71.51%	73.33%	75.60%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	60.63%	65.57%	59.57%	83.56%	65.82%	71.51%	73.33%	75.60%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	28.62%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	0.00%	10.75%	34.43%	40.43%	16.44%	34.18%	28.49%	26.67%	24.40%
Debt to EBITDA	0.00	5.36	12.53	5.52	7.50	5.28	12.99	15.12	118.18
Net Debt to EBITDA	0.00	5.28	11.91	5.18	7.27	5.00	11.01	13.66	115.80
Long-Term Debt to EBITDA	0.00	5.36	12.53	5.52	7.50	5.28	12.99	15.12	118.18
Debt to NOPAT	0.00	8.50	12.89	7.73	10.46	6.56	18.32	67.37	38.10
Net Debt to NOPAT	0.00	8.38	12.25	7.25	10.14	6.22	15.53	60.87	37.33
Long-Term Debt to NOPAT	0.00	8.50	12.89	7.73	10.46	6.56	18.32	67.37	38.10
Noncontrolling Interest Sharing Ratio	0.00%	72.70%	37.06%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-4,056	-192	97	-13,875	11,623	-1,706	-940	-2,117
Operating Cash Flow to CapEx	-3,087.71%	-3,714.47%	1,854.51%	-6,322.69%	-10,549.41%	4,506.16%	7,627.93%	-4,498.77%	-20,515.32%
Free Cash Flow to Firm to Interest Expense	0.00	-28.07	-1.33	0.46	-51.10	29.75	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	-8.84	-6.11	3.96	-10.59	-22.83	6.56	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	-9.12	-6.28	3.75	-10.76	-23.04	6.41	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.11	0.13	0.17	0.18	0.12	0.13	0.10	0.05
Fixed Asset Turnover	0.00	28.03	31.34	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-
Invested Capital	0.00	4,368	4,804	5,099	20,622	10,002	12,183	13,268	15,696
Invested Capital Turnover	0.00	0.38	0.21	0.30	0.29	0.20	0.20	0.14	0.08
Increase / (Decrease) in Invested Capital	0.00	4,368	436	296	15,522	-10,620	2,182	1,084	2,429
Enterprise Value (EV)	0.00	0.00	4,535	5,355	21,219	10,209	10,150	13,144	16,848
Market Capitalization	0.00	0.00	1,540	2,505	4,519	3,966	2,767	4,353	5,220
Book Value per Share	$0.00	$20.23	$21.34	$26.28	$46.79	$57.91	$69.31	$70.88	$74.71
Tangible Book Value per Share	$0.00	$19.13	$20.83	$26.28	$46.79	$57.91	$69.31	$70.88	$74.71
Total Capital	0.00	4,368	4,804	5,099	20,622	10,002	12,183	13,268	15,696
Total Debt	0.00	2,648	3,150	3,038	17,232	6,583	8,712	9,729	11,867
Total Long-Term Debt	0.00	2,648	3,150	3,038	17,232	6,583	8,712	9,729	11,867
Net Debt	0.00	2,610	2,995	2,850	16,699	6,243	7,384	8,791	11,628
Capital Expenditures (CapEx)	30	24	31	36	59	57	79	35	22
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	179	64	-0.25	0.04
Net Nonoperating Obligations (NNO)	0.00	2,648	3,150	3,038	17,232	6,583	8,712	9,729	11,867
Total Depreciation and Amortization (D&A)	317	288	-16	21	57	67	69	91	98
Earnings Adjustments	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$2.62	$5.02	$21.91	$15.73	$8.96	$2.89	$6.11
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	33.52M	78.21M	75.16M	63.80M	53.07M	49.98M	50.99M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$2.59	$4.89	$20.92	$14.87	$8.50	$2.74	$5.84
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	35.32M	80.34M	78.73M	67.47M	55.95M	52.73M	53.36M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	77.53M	78.56M	69.24M	55.42M	50.03M	50.43M	51.43M
Normalized Net Operating Profit after Tax (NOPAT)	337	312	244	393	1,647	1,003	476	144	311
Normalized NOPAT Margin	36.04%	37.73%	24.83%	26.61%	44.45%	33.58%	21.11%	8.22%	26.67%
Pre Tax Income Margin	40.97%	40.68%	27.19%	35.85%	60.47%	45.48%	29.53%	10.45%	34.34%
Debt Service Ratios	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.64	1.43	1.85	2.50	8.25	3.02	0.00	0.00	0.00
NOPAT to Interest Expense	3.17	2.16	1.69	1.85	6.06	2.57	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	3.35	1.26	1.64	2.33	8.03	2.88	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	2.89	1.99	1.48	1.69	5.85	2.42	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	2.26%	0.00%	4.11%	2.47%	1.88%	6.42%	13.27%	28.65%	16.75%
Augmented Payout Ratio	2.26%	2.76%	6.28%	2.74%	22.37%	122.62%	111.93%	78.07%	16.75%

This table displays calculated financial ratios and metrics derived from PennyMac Financial Services' official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-3.58%	152.63%	-46.52%	-36.73%	20.44%	-19.83%	3.68%	21.32%	12.02%	-126.33%
EBITDA Growth	325.52%	193.19%	-63.11%	-57.08%	62.67%	40.60%	33.13%	62.68%	10.71%	-316.86%
EBIT Growth	498.45%	173.39%	-77.41%	-64.85%	66.36%	42.98%	52.02%	91.81%	7.87%	-359.25%
NOPAT Growth	-45.80%	-78.27%	-82.50%	-54.95%	-31.28%	-200.91%	29.40%	68.68%	-25.31%	375.25%
Net Income Growth	287.54%	96.56%	-89.37%	-59.11%	108.99%	-2,031.66%	91.23%	77.68%	12.81%	45.45%
EPS Growth	-35.26%	-72.48%	-80.61%	-51.32%	-28.05%	-186.59%	29.82%	66.67%	-26.55%	374.65%
Operating Cash Flow Growth	-140.85%	336.40%	-173.74%	30.76%	-66.06%	-12.08%	72.50%	-149.05%	59.66%	-599.37%
Free Cash Flow Firm Growth	-96.51%	-119.86%	-132.28%	-156.03%	-524.50%	47.65%	99.60%	61.29%	5.17%	-107.09%
Invested Capital Growth	-2.32%	21.81%	31.27%	22.56%	16.04%	8.90%	0.40%	7.72%	12.96%	18.31%
Revenue Q/Q Growth	-12.48%	58.79%	-25.75%	13.81%	66.61%	5.69%	-15.50%	33.17%	53.83%	-124.84%
EBITDA Q/Q Growth	-11.15%	-21.46%	-66.50%	83.64%	236.72%	-32.12%	-49.22%	124.40%	129.14%	-232.96%
EBIT Q/Q Growth	-12.91%	-24.58%	-79.20%	157.31%	312.19%	-35.18%	-61.50%	224.65%	131.81%	-255.78%
NOPAT Q/Q Growth	4.51%	-72.16%	-19.24%	91.75%	59.43%	-140.88%	203.55%	149.97%	-29.40%	50.63%
Net Income Q/Q Growth	-9.54%	-106.86%	330.31%	186.15%	362.43%	-169.95%	-70.82%	165.87%	193.58%	-133.82%
EPS Q/Q Growth	7.89%	-66.67%	-30.49%	94.74%	59.46%	-140.11%	204.23%	150.00%	-29.73%	50.00%
Operating Cash Flow Q/Q Growth	-134.49%	183.28%	-767.11%	168.25%	-143.80%	144.09%	-308.68%	-21.71%	63.98%	-445.77%
Free Cash Flow Firm Q/Q Growth	-90.11%	-635.29%	-40.54%	24.72%	25.04%	33.99%	98.91%	-7,106.77%	-83.62%	-44.15%
Invested Capital Q/Q Growth	8.40%	8.97%	4.88%	-1.08%	2.64%	2.27%	-3.31%	6.14%	7.63%	7.11%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	40.41%	19.99%	16.74%	27.01%	54.58%	35.05%	21.49%	36.21%	53.94%	0.00%
EBIT Margin	36.50%	17.34%	9.01%	20.38%	50.42%	30.92%	13.22%	32.22%	48.55%	0.00%
Profit (Net Income) Margin	25.51%	-1.10%	6.34%	15.95%	44.27%	-29.30%	11.70%	23.36%	44.58%	0.00%
Tax Burden Percent	63.00%	-11.83%	48.38%	72.42%	192.59%	314.97%	80.42%	70.10%	293.29%	-72.02%
Interest Burden Percent	110.94%	53.72%	145.47%	108.06%	45.59%	-30.08%	110.07%	103.42%	31.31%	-27.68%
Effective Tax Rate	27.14%	44.46%	20.37%	20.11%	26.76%	0.00%	10.43%	26.59%	26.15%	19.23%
Return on Invested Capital (ROIC)	4.73%	1.05%	1.54%	2.26%	2.18%	-0.90%	1.41%	2.71%	1.24%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	4.50%	0.45%	1.39%	2.19%	3.95%	-2.34%	1.37%	2.66%	3.27%	0.00%
Return on Net Nonoperating Assets (RNNOA)	10.06%	1.01%	3.15%	5.05%	9.58%	-6.16%	3.61%	7.14%	9.07%	0.00%
Return on Equity (ROE)	14.79%	2.06%	4.70%	7.31%	11.76%	-7.05%	5.02%	9.85%	10.31%	0.00%
Cash Return on Invested Capital (CROIC)	7.75%	-15.38%	-24.09%	-17.99%	-13.03%	-7.39%	0.80%	-5.96%	-10.94%	-14.62%
Operating Return on Assets (OROA)	3.67%	2.19%	0.86%	1.86%	4.47%	3.05%	0.92%	2.37%	3.53%	0.00%
Return on Assets (ROA)	2.56%	-0.14%	0.61%	1.46%	3.93%	-2.89%	0.81%	1.72%	3.24%	0.00%
Return on Common Equity (ROCE)	14.79%	2.06%	4.70%	7.31%	11.76%	-7.05%	5.02%	9.85%	10.31%	0.00%
Return on Equity Simple (ROE_SIMPLE)	5.36%	0.00%	7.43%	5.18%	8.61%	0.00%	8.30%	9.22%	9.86%	0.00%
Net Operating Profit after Tax (NOPAT)	135	38	30	58	93	-38	39	98	69	104
NOPAT Margin	29.51%	5.17%	10.44%	17.59%	16.84%	-6.51%	13.03%	24.46%	11.23%	0.00%
Net Nonoperating Expense Percent (NNEP)	0.23%	0.60%	0.15%	0.07%	-1.77%	1.44%	0.04%	0.05%	-2.03%	1.83%
SG&A Expenses to Revenue	46.36%	25.07%	67.38%	56.74%	37.97%	31.04%	64.54%	47.54%	35.86%	0.00%
Operating Expenses to Revenue	63.50%	82.66%	90.99%	79.62%	49.58%	69.08%	86.78%	67.78%	51.45%	0.00%
Earnings before Interest and Taxes (EBIT)	167	126	26	67	278	180	40	129	300	-467
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	185	145	49	89	301	204	65	145	333	-443
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.63	0.80	0.85	1.00	0.92	1.23	1.27	1.31	1.56	1.36
Price to Tangible Book Value (P/TBV)	0.63	0.80	0.85	1.00	0.92	1.23	1.27	1.31	1.56	1.36
Price to Revenue (P/Rev)	1.21	1.23	1.76	2.35	2.10	2.48	3.27	3.30	3.83	4.47
Price to Earnings (P/E)	4.32	5.82	6.51	9.48	10.17	8.48	29.45	24.81	34.30	0.00
Dividend Yield	1.92%	1.81%	1.71%	1.44%	1.52%	0.92%	0.88%	0.85%	0.79%	0.98%
Earnings Yield	23.13%	17.19%	15.36%	10.55%	9.83%	11.80%	3.40%	4.03%	2.92%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.75	0.83	0.84	0.88	0.89	0.99	1.00	1.04	1.13	1.07
Enterprise Value to Revenue (EV/Rev)	4.59	4.51	6.47	7.54	7.35	7.48	9.28	9.73	10.91	14.43
Enterprise Value to EBITDA (EV/EBITDA)	22.55	15.13	18.32	23.68	19.69	20.42	30.17	29.37	32.28	167.78
Enterprise Value to EBIT (EV/EBIT)	27.45	16.88	21.04	28.67	23.12	23.81	38.69	35.93	39.91	8,675.57
Enterprise Value to NOPAT (EV/NOPAT)	13.63	21.35	32.39	42.44	52.53	91.02	83.70	73.15	97.62	54.09
Enterprise Value to Operating Cash Flow (EV/OCF)	1.56	1.68	0.00	0.00	0.00	0.00	16.38	0.00	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	9.51	0.00	0.00	0.00	0.00	0.00	125.91	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.21	2.51	2.70	2.63	2.63	2.75	2.59	2.72	2.92	3.10
Long-Term Debt to Equity	2.21	2.51	2.70	2.63	2.63	2.75	2.59	2.72	2.92	3.10
Financial Leverage	2.24	2.22	2.27	2.31	2.42	2.63	2.65	2.68	2.78	2.93
Leverage Ratio	5.17	5.17	5.04	4.65	5.01	5.09	5.68	5.54	5.72	6.10
Compound Leverage Factor	5.73	2.78	7.33	5.02	2.28	-1.53	6.25	5.73	1.79	-1.69
Debt to Total Capital	68.85%	71.51%	72.98%	72.48%	72.46%	73.33%	72.17%	73.11%	74.49%	75.60%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	68.85%	71.51%	72.98%	72.48%	72.46%	73.33%	72.17%	73.11%	74.49%	75.60%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	31.15%	28.49%	27.02%	27.52%	27.54%	26.67%	27.83%	26.89%	25.51%	24.40%
Debt to EBITDA	20.84	12.99	15.87	19.55	16.08	15.12	21.73	20.65	21.22	118.18
Net Debt to EBITDA	16.62	11.01	13.32	16.28	14.07	13.66	19.55	19.41	20.94	115.80
Long-Term Debt to EBITDA	20.84	12.99	15.87	19.55	16.08	15.12	21.73	20.65	21.22	118.18
Debt to NOPAT	12.60	18.32	28.06	35.05	42.90	67.37	60.28	51.42	64.18	38.10
Net Debt to NOPAT	10.05	15.53	23.56	29.19	37.53	60.87	54.25	48.35	63.32	37.33
Long-Term Debt to NOPAT	12.60	18.32	28.06	35.05	42.90	67.37	60.28	51.42	64.18	38.10
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	401	-2,144	-3,013	-2,268	-1,700	-1,122	-12	-878	-1,612	-2,324
Operating Cash Flow to CapEx	-2,686.09%	3,531.34%	-30,334.40%	24,454.84%	-11,261.74%	5,640.18%	-18,777.50%	-21,025.13%	-8,772.46%	-28,165.37%
Free Cash Flow to Firm to Interest Expense	4.83	0.00	-22.87	-12.70	0.00	0.00	-0.07	-4.22	0.00	0.00
Operating Cash Flow to Interest Expense	-7.08	0.00	-24.78	12.47	0.00	0.00	-5.42	-5.26	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	-7.35	0.00	-24.86	12.42	0.00	0.00	-5.45	-5.28	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.10	0.13	0.10	0.09	0.09	0.10	0.07	0.07	0.07	0.05
Fixed Asset Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	11,180	12,183	12,778	12,640	12,973	13,268	12,829	13,616	14,655	15,696
Invested Capital Turnover	0.16	0.20	0.15	0.13	0.13	0.14	0.11	0.11	0.11	0.08
Increase / (Decrease) in Invested Capital	-265	2,182	3,043	2,326	1,793	1,084	51	976	1,682	2,429
Enterprise Value (EV)	8,330	10,150	10,762	11,094	11,511	13,144	12,855	14,162	16,604	16,848
Market Capitalization	2,191	2,767	2,934	3,465	3,288	4,353	4,524	4,802	5,834	5,220
Book Value per Share	$66.37	$69.31	$69.00	$69.68	$71.64	$70.88	$70.63	$71.90	$73.04	$74.71
Tangible Book Value per Share	$66.37	$69.31	$69.00	$69.68	$71.64	$70.88	$70.63	$71.90	$73.04	$74.71
Total Capital	11,180	12,183	12,778	12,640	12,973	13,268	12,829	13,616	14,655	15,696
Total Debt	7,698	8,712	9,325	9,161	9,400	9,729	9,259	9,955	10,916	11,867
Total Long-Term Debt	7,698	8,712	9,325	9,161	9,400	9,729	9,259	9,955	10,916	11,867
Net Debt	6,139	7,384	7,828	7,629	8,223	8,791	8,331	9,360	10,770	11,628
Capital Expenditures (CapEx)	22	14	11	9.11	8.67	7.63	4.78	5.20	4.49	7.63
Net Nonoperating Expense (NNE)	18	46	12	5.44	-151	133	4.02	4.43	-206	198
Net Nonoperating Obligations (NNO)	7,698	8,712	9,325	9,161	9,400	9,729	9,259	9,955	10,916	11,867
Total Depreciation and Amortization (D&A)	18	19	22	22	23	24	25	16	33	24
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$2.59	$0.88	$0.61	$1.17	$1.86	($0.75)	$0.78	$1.93	$1.36	$2.04
Adjusted Weighted Average Basic Shares Outstanding	52.17M	53.07M	50.15M	49.87M	49.90M	49.98M	50.55M	50.96M	51.18M	50.99M
Adjusted Diluted Earnings per Share	$2.46	$0.82	$0.57	$1.11	$1.77	($0.71)	$0.74	$1.85	$1.30	$1.95
Adjusted Weighted Average Diluted Shares Outstanding	54.97M	55.95M	53.35M	52.26M	52.56M	52.73M	53.10M	53.20M	53.50M	53.36M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	50.08M	50.03M	49.92M	49.87M	49.93M	50.43M	50.92M	51.19M	51.26M	51.43M
Normalized Net Operating Profit after Tax (NOPAT)	135	38	30	58	93	-38	39	98	69	104
Normalized NOPAT Margin	29.51%	5.17%	10.44%	17.59%	16.84%	-6.51%	13.03%	24.46%	11.23%	0.00%
Pre Tax Income Margin	40.50%	9.31%	13.11%	22.02%	22.99%	-9.30%	14.55%	33.32%	15.20%	0.00%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.02	0.00	0.20	0.38	0.00	0.00	0.24	0.62	0.00	0.00
NOPAT to Interest Expense	1.63	0.00	0.23	0.33	0.00	0.00	0.24	0.47	0.00	0.00
EBIT Less CapEx to Interest Expense	1.75	0.00	0.12	0.33	0.00	0.00	0.21	0.60	0.00	0.00
NOPAT Less CapEx to Interest Expense	1.37	0.00	0.15	0.28	0.00	0.00	0.21	0.45	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	30.23%	13.27%	21.05%	29.45%	13.54%	28.65%	13.86%	12.24%	12.67%	16.75%
Augmented Payout Ratio	358.01%	111.93%	141.94%	153.05%	53.51%	78.07%	22.68%	12.21%	12.65%	16.75%

Frequently Asked Questions About PennyMac Financial Services' Financials

When does PennyMac Financial Services's fiscal year end?

According to the most recent income statement we have on file, PennyMac Financial Services' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has PennyMac Financial Services' net income changed over the last 8 years?

The last 5 years of PennyMac Financial Services' net income performance:

2020: $1.65 billion
2021: $824.56 million
2022: $411.59 million
2023: $144.66 million
2024: $311.42 million

How has PennyMac Financial Services revenue changed over the last 8 years?

Over the last 8 years, PennyMac Financial Services' total revenue changed from $935.03 million in 2016 to $1.17 billion in 2024, a change of 24.9%.

How much debt does PennyMac Financial Services have?

PennyMac Financial Services' total liabilities were at $22.26 billion at the end of 2024, a 45.4% increase from 2023, and a 294.0% increase since 2017.

How much cash does PennyMac Financial Services have?

In the past 7 years, PennyMac Financial Services' cash and equivalents has ranged from $37.73 million in 2017 to $1.33 billion in 2022, and is currently $238.48 million as of their latest financial filing in 2024.

How has PennyMac Financial Services' book value per share changed over the last 8 years?

Over the last 8 years, PennyMac Financial Services' book value per share changed from 0.00 in 2016 to 74.71 in 2024, a change of 7,471.4%.

Related Companies

This page (NYSE:PFSI) was last updated on 4/20/2025 by MarketBeat.com Staff

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PennyMac Financial Services (PFSI) Financials

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