PennyMac Financial Services, Inc.
Financials
Valuation Metrics
PennyMac Financial Services, Inc.'s Market Cap is $3.39B. At end of 2025 it was $6.86B. Ranked #1626 of 3,116 in US market (top 52%), #1055 of 1,644 on NYSE (top 64%), #95 of 157 in Financial Services (top 61%) by Market Cap.
Investment Metrics(as of 2026-11-02)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $3.39B | US#1,626/3,116 Sec#95/157 |
| Net Income | $392M | US#959/3,116 Sec#65/157 |
| Total Assets | $29.86B | US#476/3,116 Sec#43/157 |
| Net Assets | $4.34B | US#769/3,116 Sec#52/157 |
| Employees | 5,543 | US#1,175/3,116 Sec#54/157 |
| Value | ||
| P/E | 8.65x | US#227/3,116 Sec#28/157 |
| P/B | 0.78x | US#223/3,116 Sec#19/157 |
| P/S | 1.66x | US#1,101/3,116 Sec#45/157 |
| EV/EBITDA | 46.60x | US#2,343/3,116 Sec#130/157 |
| FCF Yield | -45.68% | US—/3,116 Sec—/157 |
| Profitability | ||
| ROE | 9.05% | US#1,469/3,116 Sec#103/157 |
| ROA | 1.31% | US#1,829/3,116 Sec#101/157 |
| Financial Health | ||
| Debt Ratio | 588.47% | US#2,412/3,116 Sec#104/157 |
| Total Debt | $23.68B | US#197/3,116 Sec#19/157 |
| FCF | $-1.55B | US#2,979/3,116 Sec#139/157 |
| Cash | $214M | US#1,684/3,116 Sec#106/157 |
| Current Ratio | 0.04x | US#2,976/3,116 Sec#142/157 |
| Net Debt/EBITDA | 40.71x | US#2,511/3,116 Sec#134/157 |
| Dividend | ||
| Div. Yield | 1.86% | US#972/3,116 Sec#70/157 |
| Div. Growth | 19.92% | US#263/3,116 Sec#21/157 |
| Performance | ||
| 1Y Return | -48.05% | US#2,868/3,116 Sec#139/157 |
| 1M Return | 5.41% | US#1,697/3,116 Sec#70/157 |
| From 52W High | -59.24% | US#2,868/3,116 Sec#145/157 |
| 1Y MDD | -63.78% | US#2,818/3,116 Sec#145/157 |
| Trading | ||
| Volume | 572,045 shares | US#2,302/3,116 Sec#119/157 |
| Trading Value | $37M | US#1,805/3,116 Sec#97/157 |
| Per Share | ||
| EPS | $7.56 | US#423/3,116 Sec#41/157 |
| BPS | $83.52 | US#160/3,116 Sec#12/157 |
Company Info
PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States. The company's operations are structured into three primary divisions: Production, Servicing, and Investment Management. The Production segment focuses on the creation, acquisition, and subsequent sale of loans. Its primary involvement is with first-lien residential mortgage loans, encompassing both conventional products and those insured or guaranteed by the government. The Servicing segment is responsible for the administration of newly originated loans, in addition to managing early buyout transactions and providing servicing for other loan portfolios. This involves a broad range of activities, such as general loan administration, payment collection, and managing defaults. Specific duties include processing loan payments, addressing customer inquiries, meticulously accounting for principal and interest, holding custodial funds for property taxes and insurance premiums, providing guidance to delinquent borrowers, and supervising foreclosure processes and property dispositions. Furthermore, this segment implements loss mitigation strategies, including loan modification and forbearance programs. The Investment Management segment's core functions include identifying potential investment assets, conducting thorough due diligence, submitting bids, and finalizing acquisitions. It also oversees the correspondent production operations for PennyMac Mortgage Investment Trust and manages the acquired asset base. PennyMac Financial Services, Inc. was established in 2008 and maintains its headquarters in Westlake Village, California.