PFSINYSEMortgage Bankers & Loan CorrespondentsFiscal year ends December 31
PennyMac Financial Services, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 4, 2026
$59.20−1.12 (-1.86%)
Close on Oct 19, 2026
- Market cap
- $3.15B
- P/E (TTM)
- 8.1
- Dividend yield
- 2.03%
Margins
Share of revenue, fiscal years 2015 to 2025
Net margin
2491.9%−21953.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -25.2% | +17.5% | +24.4% | – | |
| Net income | +60.9% | +1.8% | -21.2% | – | |
| EPS, diluted | +59.2% | +3.0% | -15.0% | – | |
| Dividend per share | +20.0% | +14.5% | – | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on assets | – | 7.9% | 1.8% | |
| Capex to revenue | 2.3% | 158.4% | 59.3% | |
| Diluted shares | 77M | 79M | 54M |
Where the cash went
Fiscal 2021 to 2025, five years combined
PennyMac Financial Services generated $16.36B from operations and spent $1.73B on capital expenditure, dividends and share buybacks. 2% of that went back into the business.
Generated
$16.36B
Used
$1.73B
Capital expenditure$30.08M2%Dividends$263.67M15%Share buybacks$1.44B83%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin947.7%
×Asset turnover0.00×
×Equity multiplier6.99×
=Return on equity, FY20188.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2018 | 947.7% | 0.00× | 6.99× | 8.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
2of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$501.08M
- Cash generatingOperating cash flow above zero-$1.65B
- Return on assets improvedROA up on the prior year1.7% → 1.9%
- Earnings backed by cashOperating cash flow above net income-$1.65B vs $501.08M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise53M → 54M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00