PFSI Financials: PennyMac Financial Services Inc AI Analysis

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Financials

PFSI Financial

PennyMac Financial Services Inc

$94.57

3.09%

$2.83

At close: Apr 17, 16:00:00 GMT-4

$94.65

0.09%

$0.08

Post-market: Apr 17, 20:00:00 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$91.73

Open

$93.49

Day's Range

$92.88 - $95.79

52 week range

$82.65 - $160.36

Volume

498.6K

Avg.Volume

893.7K

Dividend yield

1.31%

EPS (TTM)

9.30

Market Cap

$4.9B

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 4,455 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 loan servicing for both newly originated loans it is holding for sale and loans its services for others, including for PMT. Its loan servicing segment performs loan administration, collection, and default management activities.

Features

Resources

Market

Income

Balance sheet

Cash flow

Annual

Quarterly

PFSI Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2025	09/30/2025	06/30/2025	03/31/2025	12/31/2024
Revenue	3,007	801	882	684	638	698
Revenue Growth (YoY)	25%	15%	40%	12%	35%	31%
Cost of Revenue	960	262	249	239	208	228
Gross Profit	2,046	538	632	444	430	470
Selling, General & Admin	1,380	374	364	341	301	325
Research & Development	--	--	--	--	--	--
Operating Expenses	1,490	403	392	368	326	339
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	551	134	236	76	104	129
Income Tax Expense	50	27	54	-60	27	24
Net Income	501	106	181	136	76	104
Net Income Growth	61%	2%	162%	39%	95%	-389%
Shares Outstanding (Diluted)	54.32	54.32	53.87	53.63	53.62	53.6
Shares Change (YoY)	1%	1%	1%	1%	1%	7%
EPS (Diluted)	9.22	1.96	3.36	2.54	1.42	1.94
EPS Growth	59%	1%	160%	38%	92%	-365%
Free Cash Flow	-1,703	-1,912	-707	-141	1,058	-2,156
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	68.04%	67.16%	71.65%	64.91%	67.39%	67.33%
Operating Margin	18.49%	16.72%	27.21%	11.11%	16.3%	18.76%
Profit Margin	16.66%	13.23%	20.52%	19.88%	11.91%	14.89%
Free Cash Flow Margin	-56.63%	-238.7%	-80.15%	-20.61%	165.83%	-308.88%
EBITDA	610	146	252	90	117	134
EBITDA Margin	20.28%	18.22%	28.57%	13.15%	18.33%	19.19%
D&A For EBITDA	54	12	12	14	13	3
EBIT	556	134	240	76	104	131
EBIT Margin	18.49%	16.72%	27.21%	11.11%	16.3%	18.76%
Effective Tax Rate	9.07%	20.14%	22.88%	-78.94%	25.96%	18.6%

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

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