PennyMac Financial Services, Inc.
General ticker "PFSI" information:
- Sector: Financials
- Industry: Financial - Mortgages
- Capitalization: $5.5B (TTM average)
PennyMac Financial Services, Inc. follows the US Stock Market performance with the rate: 41.7%.
Estimated limits based on current volatility of 1.3%: low 87.83$, high 91.21$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-02-16, amount 0.30$ (Y1.36%)
- Total employees count: 4100 as of 2024
- Top business risk factors: Interest rate fluctuations, Loan delinquencies, Economic downturns and volatility, Loan production volatility, Servicing risks
- Current price 18.2% below estimated low
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [108.24$, 147.65$]
- 2026-12-31 to 2027-12-31 estimated range: [117.36$, 159.93$]
Financial Metrics affecting the PFSI estimates:
- Negative: with PPE of 17.1 at the end of fiscal year the price was high
- Negative: Operating cash flow per share per price, % of -23.37 <= 0.01
- Positive: Operating profit margin, % of 34.65 > 18.38
- Negative: Shareholder equity ratio, % of 14.66 <= 19.40
- Positive: Industry earnings per price (median), % of 15.13 > 4.49
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of 1.68
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry operating cash flow per share per price (median), % of 12.80 > 10.29
Short-term PFSI quotes
Long-term PFSI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $2,039.12MM | $1,593.73MM | $4,363.82MM |
| Operating Expenses | $1,685.08MM | $692.70MM | $2,851.85MM |
| Operating Income | $354.04MM | $901.03MM | $1,511.97MM |
| Non-Operating Income | $-170.41MM | $-500.01MM | $-960.55MM |
| Interest Expense | $0.00MM | $819.35MM | $960.55MM |
| R&D Expense | $0.00MM | $149.55MM | $0.00MM |
| Income(Loss) | $183.63MM | $401.03MM | $551.42MM |
| Taxes | $38.98MM | $89.60MM | $50.34MM |
| Profit(Loss)* | $144.66MM | $311.42MM | $501.08MM |
| Stockholders Equity | $3,538.60MM | $3,829.65MM | $4,308.98MM |
| Assets | $18,844.56MM | $26,086.89MM | $29,388.69MM |
| Operating Cash Flow | $-1,582.22MM | $-4,533.27MM | $-1,609.72MM |
| Capital expenditure | $36.17MM | $22.10MM | $0.00MM |
| Investing Cash Flow | $-273.29MM | $-1,887.95MM | $0.00MM |
| Financing Cash Flow | $1,465.34MM | $5,721.34MM | $1,607.97MM |
| Earnings Per Share** | $2.89 | $6.11 | $9.69 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.