Symbols / PFSI Stock $88.63 +0.32% PennyMac Financial Services, Inc.

Financial Services • Mortgage Finance • United States • NYQ
PFSI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Mortgage Finance
CEO Mr. David A. Spector
Exch · Country NYQ · United States
Market Cap 4.60B
Enterprise Value 29.98B
Income 507.12M
Sales 3.32B
FCF (ttm) —
Book/sh 82.77
Cash/sh 9.67
Employees 5,650
Insider 10d —
IPO May 09, 2013
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 12.75%
P/E 9.42
Forward P/E 6.22
PEG —
P/S 1.39
P/B 1.07
P/C —
EV/EBITDA —
EV/Sales 9.03
Quick Ratio 0.44
Current Ratio 0.96
Debt/Eq 598.27
LT Debt/Eq —
EPS (ttm) 9.41
EPS next Y 14.26
EPS Growth 7.70%
Revenue Growth -16.60%
EPS Gr Q/Q 7.90%
Rev Gr Q/Q —
Earnings (next) 2026-07-21
Earnings (prior) 2026-05-05
ROA 1.82%
ROE 12.32%
ROIC —
Gross Margin 87.15%
Oper. Margin 14.56%
Profit Margin 15.28%
Shs Outstand 51.92M
Shs Float 27.37M
Insider Own 34.67%
Instit Own 67.95%
Short Float 8.38%
Short Ratio 4.59
Short Interest 2.46M
52W High 160.36
vs 52W High -44.73%
52W Low 82.65
vs 52W Low 7.24%
Beta 1.49
Impl. Vol. 63.89%
Rel Volume 0.51
Avg Volume 661.43K
Volume 336.55K
Target (mean) $117.71
Tgt Median $110.00
Tgt Low $94.00
Tgt High $150.00
# Analysts 7
Recom Buy
Prev Close $88.35
Price $88.63
Change 0.32%
About

PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment also sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs, and supervising foreclosures and property dispositions. The company was founded in 2008 and is headquartered in Westlake Village, California.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$117.71
Mean price target
2. Current target
$88.63
Latest analyst target
3. DCF / Fair value
$141.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$88.63
Low
$94.00
High
$150.00
Mean
$117.71

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-11 main Barclays Overweight → Overweight $107
2026-05-08 main Keefe, Bruyette & Woods Outperform → Outperform $108
2026-05-06 main Piper Sandler Overweight → Overweight $112
2026-05-06 main Wells Fargo Overweight → Overweight $100
2026-04-24 init Stephens & Co. — → Equal-Weight $100
2026-04-09 main Wells Fargo Overweight → Overweight $110
2026-04-06 main Barclays Overweight → Overweight $116
2026-04-02 main Piper Sandler Overweight → Overweight $122
2026-03-16 up Keefe, Bruyette & Woods Market Perform → Outperform $115
2026-02-02 main Keefe, Bruyette & Woods Market Perform → Market Perform $115
2026-01-30 main Barclays Overweight → Overweight $136
2026-01-30 main Piper Sandler Overweight → Overweight $137
2026-01-30 main Wells Fargo Overweight → Overweight $135
2026-01-15 main Piper Sandler Overweight → Overweight $168
2026-01-06 main Barclays Overweight → Overweight $158
2026-01-05 main Wells Fargo Overweight → Overweight $150
2025-12-29 main BTIG Buy → Buy $150
2025-12-22 main Piper Sandler Overweight → Overweight $146
2025-12-19 init Jefferies — → Buy $160
2025-12-18 main Keefe, Bruyette & Woods Market Perform → Market Perform $143
News
RSS: Latest PFSI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-07 CHANDRA SUNIL Director — 336 $93.03 $31,258
2026-04-14 SPECTOR DAVID ALAN Chief Executive Officer — 10,000 $92.80 $928,279
2026-03-06 SPECTOR DAVID ALAN Chief Executive Officer — 22,436 $85.26 $1,938,198
2026-03-03 STARK DEREK Officer — 1,066 $87.66 $93,446
2026-02-25 STARK DEREK Officer — 1,903 $91.50 $174,124
2026-02-20 JONES DOUGLAS President — 7,610 — —
2026-02-20 PEROTTI DANIEL STANLEY Chief Financial Officer — 3,805 — —
2026-02-20 STARK DEREK Officer — 2,130 — —
2026-02-20 FOLLETTE JAMES Officer — 3,424 — —
2026-02-20 TIDMORE ABBIE Officer — 2,054 — —
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
4,420.25
+55.29%
2,846.48
+7.63%
2,644.69
+13.93%
2,321.42
Operating Revenue
4,400.15
+56.06%
2,819.61
+7.16%
2,631.29
+34.60%
1,954.85
Cost Of Revenue
1,801.03
+21.93%
1,477.11
+23.17%
1,199.29
+18.22%
1,014.46
Reconciled Cost Of Revenue
1,801.03
+21.93%
1,477.11
+23.17%
1,199.29
+18.22%
1,014.46
Gross Profit
2,619.22
+91.27%
1,369.37
-5.26%
1,445.40
+10.59%
1,306.96
Operating Expense
2,067.81
+113.89%
966.75
-12.03%
1,099.00
+77.75%
618.27
Selling General And Administration
343.06
+33.47%
257.04
+7.96%
238.08
-29.60%
338.17
Selling And Marketing Expense
46.14
+110.02%
21.97
+24.60%
17.63
-62.30%
46.76
General And Administrative Expense
296.93
+26.31%
235.07
+6.63%
220.45
-24.35%
291.41
Salaries And Wages
223.62
+36.20%
164.19
+33.08%
123.37
-30.69%
178.01
Other Gand A
37.97
-0.05%
37.99
-37.23%
60.52
-17.40%
73.27
Other Operating Expenses
1,631.31
+159.42%
628.83
-19.88%
784.90
+318.71%
187.46
Total Expenses
3,868.84
+58.31%
2,443.86
+6.33%
2,298.29
+40.76%
1,632.72
Operating Income
551.42
+36.96%
402.62
+16.23%
346.40
-49.70%
688.69
EBITDA
620.77
+31.44%
472.28
+13.41%
416.42
-43.65%
738.93
Normalized EBITDA
620.77
+31.00%
473.87
-18.18%
579.19
-24.03%
762.38
Reconciled Depreciation
69.36
-0.44%
69.66
-0.51%
70.02
+39.37%
50.24
EBIT
551.42
+36.96%
402.62
+16.23%
346.40
-49.70%
688.69
Total Unusual Items
0.00
+100.00%
-1.59
+99.02%
-162.77
-594.23%
-23.45
Total Unusual Items Excluding Goodwill
0.00
+100.00%
-1.59
+99.02%
-162.77
-594.23%
-23.45
Special Income Charges
0.00
+100.00%
-1.59
+99.02%
-162.77
-594.23%
-23.45
Other Special Charges
—
1.59
-99.02%
162.77
+3401.18%
4.65
Restructuring And Mergern Acquisition
—
0.89
-88.35%
7.64
-59.37%
18.80
Net Income
501.08
+60.90%
311.42
+115.29%
144.66
-69.58%
475.51
Pretax Income
551.42
+37.50%
401.03
+118.39%
183.63
-72.40%
665.25
Other Income Expense
—
-1.59
+99.02%
-162.77
-594.23%
-23.45
Tax Provision
50.34
-43.82%
89.60
+129.90%
38.98
-79.46%
189.74
Tax Rate For Calcs
0.00
-59.19%
0.00
+5.19%
0.00
-25.61%
0.00
Tax Effect Of Unusual Items
0.00
+100.00%
-0.35
+98.97%
-34.51
-416.41%
-6.68
Net Income Including Noncontrolling Interests
501.08
+60.90%
311.42
+115.29%
144.66
-69.58%
475.51
Net Income From Continuing Operation Net Minority Interest
501.08
+60.90%
311.42
+115.29%
144.66
-69.58%
475.51
Net Income From Continuing And Discontinued Operation
501.08
+60.90%
311.42
+115.29%
144.66
-69.58%
475.51
Net Income Continuous Operations
501.08
+60.90%
311.42
+115.29%
144.66
-69.58%
475.51
Normalized Income
501.08
+60.26%
312.66
+14.56%
272.92
-44.56%
492.27
Net Income Common Stockholders
501.08
+60.90%
311.42
+115.29%
144.66
-69.58%
475.51
Diluted EPS
9.30
+59.25%
5.84
+113.14%
2.74
-67.76%
8.50
Basic EPS
9.69
+58.59%
6.11
+111.42%
2.89
-67.75%
8.96
Basic Average Shares
51.73
+1.45%
50.99
+2.02%
49.98
-5.82%
53.06
Diluted Average Shares
53.88
+0.99%
53.36
+1.18%
52.73
-5.75%
55.95
Diluted NI Availto Com Stockholders
501.08
+60.90%
311.42
+115.29%
144.66
-69.58%
475.51
Other Taxes
93.43
+15.52%
80.88
+6.41%
76.01
-17.95%
92.64
Rent And Landing Fees
35.33
+7.39%
32.90
-10.01%
36.56
-8.89%
40.12
Rent Expense Supplemental
35.33
+7.39%
32.90
-10.01%
36.56
-8.89%
40.12
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
29,388.69
+12.66%
26,086.89
+38.43%
18,844.56
+12.02%
16,822.58
Current Assets
18,444.77
+14.44%
16,117.02
+42.97%
11,272.89
+7.64%
10,472.60
Cash Cash Equivalents And Short Term Investments
711.72
+7.99%
659.03
-30.53%
948.64
-29.24%
1,340.73
Cash And Cash Equivalents
301.68
+26.50%
238.48
-74.59%
938.37
-29.37%
1,328.54
Cash Financial
301.68
+26.50%
238.48
-74.59%
938.37
-29.37%
1,328.54
Other Short Term Investments
410.04
-2.50%
420.55
+3995.76%
10.27
-15.79%
12.19
Receivables
16,675.08
+14.69%
14,538.87
+53.97%
9,442.88
+13.39%
8,328.09
Accounts Receivable
141.87
-13.61%
164.23
+24.17%
132.26
+13.34%
116.69
Loans Receivable
16,533.21
+15.02%
14,374.64
+54.39%
9,310.62
+13.39%
8,211.40
Prepaid Assets
639.60
+4.12%
614.27
-15.86%
730.08
-0.74%
735.53
Restricted Cash
418.37
+37.24%
304.85
+101.49%
151.30
+121.70%
68.25
Total Non Current Assets
10,943.92
+9.77%
9,969.86
+31.67%
7,571.67
+19.24%
6,349.98
Net PPE
79.55
+60.74%
49.49
-28.22%
68.94
-26.85%
94.25
Gross PPE
158.03
+30.66%
120.95
-8.78%
132.59
-10.76%
148.59
Accumulated Depreciation
-78.49
-9.83%
-71.47
-12.28%
-63.65
-17.14%
-54.34
Machinery Furniture Equipment
96.28
+14.10%
84.38
+2.07%
82.67
-0.07%
82.72
Other Properties
61.76
+68.86%
36.57
-26.75%
49.93
-24.20%
65.87
Goodwill And Other Intangible Assets
9,707.09
+9.49%
8,865.33
+22.31%
7,248.08
+18.61%
6,111.08
Other Intangible Assets
9,707.09
+9.49%
8,865.33
+22.31%
7,248.08
+18.61%
6,111.08
Investments And Advances
0.94
-0.32%
0.94
-15.79%
1.12
+20.67%
0.93
Long Term Equity Investment
0.94
-0.32%
0.94
-15.79%
1.12
+20.67%
0.93
Non Current Accounts Receivable
—
—
—
1.52
Other Non Current Assets
930.89
+0.52%
926.05
+1457.40%
59.46
+78.98%
33.22
Total Liabilities Net Minority Interest
25,079.71
+12.68%
22,257.24
+45.42%
15,305.96
+14.64%
13,351.53
Current Liabilities
10,763.26
+4.31%
10,318.84
+87.92%
5,491.05
+19.81%
4,583.05
Payables And Accrued Expenses
1,969.26
+20.54%
1,633.63
-5.41%
1,727.09
+9.19%
1,581.76
Payables
1,969.26
+20.54%
1,633.63
-5.41%
1,727.09
+9.19%
1,581.76
Accounts Payable
760.48
+59.52%
476.73
-27.56%
658.11
+19.02%
552.92
Total Tax Payable
1,184.02
+4.69%
1,131.00
+8.45%
1,042.89
+4.00%
1,002.74
Income Tax Payable
1,184.02
+4.69%
1,131.00
+8.45%
1,042.89
+4.00%
1,002.74
Current Debt And Capital Lease Obligation
8,794.00
+1.25%
8,685.21
+130.75%
3,763.96
+25.41%
3,001.28
Current Debt
8,794.00
+1.25%
8,685.21
+130.75%
3,763.96
+25.41%
3,001.28
Other Current Borrowings
8,794.00
+1.25%
8,685.21
+130.75%
3,763.96
+25.41%
3,001.28
Total Non Current Liabilities Net Minority Interest
14,316.45
+19.92%
11,938.40
+21.64%
9,814.91
+11.93%
8,768.49
Long Term Debt And Capital Lease Obligation
14,265.75
+20.20%
11,868.37
+21.97%
9,730.85
+11.66%
8,714.36
Long Term Debt
14,265.75
+20.20%
11,868.37
+21.97%
9,730.85
+11.66%
8,714.36
Long Term Capital Lease Obligation
—
—
—
85.55
Other Non Current Liabilities
34.89
+19.79%
29.13
-5.39%
30.79
-5.04%
32.42
Stockholders Equity
4,308.98
+12.52%
3,829.65
+8.22%
3,538.60
+1.95%
3,471.05
Common Stock Equity
4,308.98
+12.52%
3,829.65
+8.22%
3,538.60
+1.95%
3,471.05
Capital Stock
0.01
+0.00%
0.01
+0.00%
0.01
+0.00%
0.01
Common Stock
0.01
+0.00%
0.01
+0.00%
0.01
+0.00%
0.01
Share Issued
52.06
+1.33%
51.38
+2.39%
50.18
+0.38%
49.99
Ordinary Shares Number
52.06
+1.33%
51.38
+2.39%
50.18
+0.38%
49.99
Additional Paid In Capital
96.87
+72.76%
56.07
+130.87%
24.29
0.00
Retained Earnings
4,212.10
+11.62%
3,773.57
+7.38%
3,514.31
+1.25%
3,471.04
Total Equity Gross Minority Interest
4,308.98
+12.52%
3,829.65
+8.22%
3,538.60
+1.95%
3,471.05
Total Capitalization
18,574.73
+18.33%
15,698.02
+18.30%
13,269.45
+8.90%
12,185.41
Working Capital
7,681.51
+32.48%
5,798.19
+0.28%
5,781.85
-1.83%
5,889.56
Invested Capital
27,368.73
+12.24%
24,383.23
+43.15%
17,033.41
+12.16%
15,186.69
Total Debt
23,059.76
+12.19%
20,553.58
+52.31%
13,494.81
+15.19%
11,715.64
Net Debt
22,758.08
+12.03%
20,315.10
+61.79%
12,556.43
+20.88%
10,387.10
Capital Lease Obligations
—
—
—
85.55
Net Tangible Assets
-5,398.11
-7.20%
-5,035.68
-35.75%
-3,709.48
-40.51%
-2,640.03
Tangible Book Value
-5,398.11
-7.20%
-5,035.68
-35.75%
-3,709.48
-40.51%
-2,640.03
Derivative Product Liabilities
15.81
-61.35%
40.90
-23.23%
53.27
+145.37%
21.71
Dueto Related Parties Current
24.76
-4.41%
25.90
-0.77%
26.10
+0.00%
26.10
Financial Assets
187.78
+66.06%
113.08
-36.86%
179.08
+80.88%
99.00
Investment Properties
37.67
+151.57%
14.98
-0.04%
14.98
+30.31%
11.50
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-1,651.98
+63.56%
-4,533.27
-186.51%
-1,582.22
-126.23%
6,033.23
Cash Flow From Continuing Operating Activities
-1,651.98
+63.56%
-4,533.27
-186.51%
-1,582.22
-126.23%
6,033.23
Net Income From Continuing Operations
501.08
+60.90%
311.42
+115.29%
144.66
-69.58%
475.51
Depreciation Amortization Depletion
69.36
-0.44%
69.66
-0.51%
70.02
+39.37%
50.24
Depreciation
69.36
-0.44%
69.66
-0.51%
70.02
+39.37%
50.24
Depreciation And Amortization
69.36
-0.44%
69.66
-0.51%
70.02
+39.37%
50.24
Other Non Cash Items
-2,246.27
+59.82%
-5,590.59
-169.55%
-2,074.07
-145.46%
4,562.14
Stock Based Compensation
36.23
+73.61%
20.87
-24.34%
27.58
-35.18%
42.55
Provisionand Write Offof Assets
46.98
+42.54%
32.96
+907.70%
3.27
+109.07%
-36.08
Asset Impairment Charge
4.60
+3027.21%
0.15
+219.57%
0.05
0.00
Operating Gains Losses
-53.08
-106.38%
831.62
+253.53%
235.23
-62.60%
628.97
Gain Loss On Investment Securities
-53.08
-106.38%
831.62
+253.53%
235.23
-62.60%
628.97
Unrealized Gain Loss On Investment Securities
0.00
-98.31%
0.18
+192.19%
-0.19
-151.75%
0.37
Change In Working Capital
-10.88
+94.81%
-209.54
-1964.22%
11.24
-96.37%
309.52
Change In Receivables
3.10
+169.42%
-4.46
-178.79%
5.67
+104.11%
2.78
Changes In Account Receivables
3.10
+169.42%
-4.46
-178.79%
5.67
+104.11%
2.78
Change In Prepaid Assets
-252.08
-1481.32%
-15.94
+79.19%
-76.61
-109.71%
-36.53
Change In Payables And Accrued Expense
320.32
+524.53%
-75.45
-146.07%
163.79
-4.38%
171.29
Change In Payable
320.32
+524.53%
-75.45
-146.07%
163.79
-4.38%
171.29
Change In Account Payable
262.85
+434.20%
-78.65
-164.64%
121.68
+211.14%
-109.48
Change In Other Current Assets
-63.90
+33.27%
-95.76
-58.43%
-60.44
-131.58%
191.38
Change In Other Current Liabilities
-18.32
-2.19%
-17.92
+15.28%
-21.16
-9.11%
-19.39
Investing Cash Flow
552.49
+129.26%
-1,887.95
-590.83%
-273.29
+62.13%
-721.58
Cash Flow From Continuing Investing Activities
552.49
+129.26%
-1,887.95
-590.83%
-273.29
+62.13%
-721.58
Net PPE Purchase And Sale
-11.92
-595.10%
-1.72
-344.30%
-0.39
+94.61%
-7.16
Purchase Of PPE
-11.92
-595.10%
-1.72
-23.74%
-1.39
+80.64%
-7.16
Sale Of PPE
0.00
0.00
-100.00%
1.00
0.00
Capital Expenditure
-51.20
-131.73%
-22.10
+38.91%
-36.17
+56.47%
-83.09
Capital Expenditure Reported
-39.28
-92.74%
-20.38
+41.40%
-34.78
+51.65%
-71.94
Net Investment Purchase And Sale
358.06
+120.47%
-1,749.53
-1132.38%
-141.96
+83.82%
-877.20
Purchase Of Investment
0.00
+100.00%
-2,048.23
-746.53%
-241.96
+72.42%
-877.20
Sale Of Investment
358.06
+19.87%
298.70
+198.73%
99.99
0.00
Net Intangibles Purchase And Sale
615.23
0.00
-100.00%
0.30
+107.64%
-3.99
Purchase Of Intangibles
—
0.00
0.00
+100.00%
-3.99
Net Other Investing Changes
-369.59
-217.72%
-116.33
-20.60%
-96.46
-140.41%
238.70
Financing Cash Flow
1,162.69
-79.68%
5,721.34
+290.44%
1,465.34
+133.89%
-4,323.21
Cash Flow From Continuing Financing Activities
1,162.69
-79.68%
5,721.34
+290.44%
1,465.34
+133.89%
-4,323.21
Net Issuance Payments Of Debt
1,175.23
+34.24%
875.45
+4.41%
838.46
+84.44%
454.61
Issuance Of Debt
28,690.88
+15.47%
24,848.02
+3.58%
23,988.91
+20.17%
19,962.94
Repayment Of Debt
-27,515.65
-14.78%
-23,972.57
-3.55%
-23,150.44
-18.67%
-19,508.33
Long Term Debt Issuance
28,690.88
+15.47%
24,848.02
+3.58%
23,988.91
+20.17%
19,962.94
Long Term Debt Payments
-27,515.65
-14.78%
-23,972.57
-3.55%
-23,150.44
-18.67%
-19,508.33
Net Long Term Debt Issuance
1,175.23
+34.24%
875.45
+4.41%
838.46
+84.44%
454.61
Net Common Stock Issuance
-4.74
0.00
+100.00%
-71.49
+82.40%
-406.09
Common Stock Payments
-4.74
0.00
+100.00%
-71.49
+82.40%
-406.09
Common Stock Dividend Paid
-62.55
-19.92%
-52.16
-25.85%
-41.45
+24.12%
-54.62
Cash Dividends Paid
-62.55
-19.92%
-52.16
-25.85%
-41.45
+24.12%
-54.62
Repurchase Of Capital Stock
-4.74
0.00
+100.00%
-71.49
+82.40%
-406.09
Proceeds From Stock Option Exercised
12.84
-36.01%
20.06
+16.54%
17.21
+484.15%
2.95
Net Other Financing Charges
41.91
-99.14%
4,877.98
+575.06%
722.60
+116.73%
-4,320.06
Changes In Cash
63.20
+109.03%
-699.89
-79.38%
-390.17
-139.47%
988.45
Beginning Cash Position
238.48
-74.59%
938.37
-29.37%
1,328.54
+290.64%
340.09
End Cash Position
301.68
+26.50%
238.48
-74.59%
938.37
-29.37%
1,328.54
Free Cash Flow
-1,703.19
+62.61%
-4,555.37
-181.48%
-1,618.39
-127.20%
5,950.15
Interest Paid Supplemental Data
955.70
+19.88%
797.21
+24.66%
639.49
+93.80%
329.98
Income Tax Paid Supplemental Data
—
1.49
—
—
Change In Income Tax Payable
53.02
-39.83%
88.11
+119.51%
40.14
-87.36%
317.48
Change In Tax Payable
53.02
-39.83%
88.11
+119.51%
40.14
-87.36%
317.48
Sale Of Intangibles
615.23
0.00
-100.00%
0.30
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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