PennyMac Financial Services, Inc.
General ticker "PFSI" information:
- Sector: Financials
- Industry: Financial - Mortgages
- Capitalization: $5.5B (TTM average)
PennyMac Financial Services, Inc. follows the US Stock Market performance with the rate: 56.9%.
Estimated limits based on current volatility of 2.2%: low 148.87$, high 155.67$
Factors to consider:
- Earnings expected soon, date: 2026-01-29 bmo
- Company pays dividends (quarterly): last record date 2025-11-17, amount 0.30$ (Y0.75%)
- 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 39.6% above estimated high
- Earnings for 9 months up through Q3 are below 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [76.19$, 116.65$]
- 2025-12-31 to 2026-12-31 estimated range: [73.53$, 114.26$]
Financial Metrics affecting the PFSI estimates:
- Negative: with PPE of 8.8 at the end of fiscal year the price was high
- Positive: Operating profit margin, % of 56.54 > 18.33
- Negative: Operating cash flow per share per price, % of -87.63 <= 0.04
- Negative: Shareholder equity ratio, % of 14.68 <= 19.35
- Negative: negative Industry operating cash flow (median)
- Positive: Industry operating profit margin (median), % of 61.89 > 9.53
- Positive: Inventory ratio change, % of 0 <= 0
Short-term PFSI quotes
Long-term PFSI plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $2,321.42MM | $2,039.12MM | $1,593.73MM |
| Operating Expenses | $1,632.72MM | $1,685.08MM | $692.70MM |
| Operating Income | $688.69MM | $354.04MM | $901.03MM |
| Non-Operating Income | $-23.45MM | $-170.41MM | $-500.01MM |
| Interest Expense | $0.00MM | $0.00MM | $819.35MM |
| R&D Expense | $0.00MM | $0.00MM | $149.55MM |
| Income(Loss) | $665.25MM | $183.63MM | $401.03MM |
| Taxes | $189.74MM | $38.98MM | $89.60MM |
| Profit(Loss)* | $475.51MM | $144.66MM | $311.42MM |
| Stockholders Equity | $3,471.05MM | $3,538.60MM | $3,829.65MM |
| Assets | $16,822.58MM | $18,844.56MM | $26,086.89MM |
| Operating Cash Flow | $6,033.23MM | $-1,582.22MM | $-4,533.27MM |
| Capital expenditure | $83.09MM | $36.17MM | $22.10MM |
| Investing Cash Flow | $-721.58MM | $-273.29MM | $-1,887.95MM |
| Financing Cash Flow | $-4,323.21MM | $1,465.34MM | $5,721.34MM |
| Earnings Per Share** | $8.96 | $2.89 | $6.11 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.