PennyMac Financial Services, Inc.
General ticker "PFSI" information:
- Sector: Financials
- Industry: Financial - Mortgages
- Capitalization: $5.7B (TTM average)
PennyMac Financial Services, Inc. does not follow the US Stock Market performance with the rate: -8.6%.
Estimated limits based on current volatility of 1.5%: low 84.10$, high 86.58$
Factors to consider:
- Earnings expected soon, date: 2026-07-28 amc
- Company pays dividends (quarterly): last record date 2026-05-18, amount 0.30$ (Y1.41%)
- Total employees count: 4100 as of 2024
- Top business risk factors: Interest rate risk, Economic downturns and volatility, Liquidity and credit risks, Refinancing risk, Regulatory and compliance
- Current price 20.6% below estimated low
- Earnings for 3 months up through Q1 exceed our estimates
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: [107.39$, 148.65$]
- 2026-12-31 to 2027-12-31 estimated range: [116.02$, 160.48$]
Financial Metrics affecting the PFSI estimates:
- Negative: with PPE of 17.1 at the end of fiscal year the price was high
- Negative: negative Operating cash flow
- Positive: Operating profit margin, % of 34.65 > 18.40
- Positive: Investing cash flow per share per price, % of 8.02 > -0.60
- Positive: Industry operating cash flow per share per price (median), % of 20.46 > 10.32
- Positive: -3.72 < Return on assets ratio (scaled to [-100,100]) of 1.68
- Positive: Industry operating profit margin (median), % of 10.15 > 9.66
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 |
| Net Income(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 | $-1,651.98MM |
| Capital expenditure | $36.17MM | $22.10MM | $11.92MM |
| Investing Cash Flow | $-273.29MM | $-1,887.95MM | $552.49MM |
| Financing Cash Flow | $1,465.34MM | $5,721.34MM | $1,162.69MM |
| 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.