Cash flow PennyMac Financial Services, Inc.

Equities

PFSI

US70932M1071

Banks

Market Closed - Nyse Other stock markets 01:30:03 12/05/2026 am IST			5-day change	1st Jan Change
88.35 ^USD	-2.42%		-1.71%	-32.99%

06/05	Deutsche Bank Adjusts PennyMac Financial Services PT to $143 From $150, Maintains Buy Rating	MT
06/05	PennyMac Financial Services, Inc., Q1 2026 Earnings Call, May 05, 2026

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Published financial data: PENNYMAC FINANCIAL SERVICES, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	30Cr	29Cr	63Cr	79Cr	92Cr
Interest Expense, Total	39Cr	34Cr	64Cr	82Cr	96Cr
Net Interest Income	-9.05Cr	-4.14Cr	-48.53L	-2.58Cr	-3.61Cr
Asset Management Fee	3.78Cr	3.11Cr	2.88Cr	2.86Cr	2.76Cr
Mortgage Banking	38Cr	17Cr	15Cr	19Cr	24Cr
Loan Servicing Revenue	107.51Cr	122.86Cr	148.49Cr	179.95Cr	206.24Cr
Gain (Loss) on Sale of Loans & Receivables	246.44Cr	79Cr	55Cr	82Cr	107.18Cr
Gain (Loss) on Sale of Investments, Total (Rev)	3L	-2L	3L	-57T	1L
Other Revenues, Total	-29Cr	-55Cr	-20Cr	-78Cr	10Cr
Revenues Before Provison For Loan Losses	358.23Cr	162.85Cr	200.57Cr	202.6Cr	346.21Cr
Total Revenues	358.23Cr	162.85Cr	200.57Cr	202.6Cr	346.21Cr
Salaries And Other Employee Benefits	100Cr	74Cr	58Cr	63Cr	78Cr
Cost of Services Provided, Total	76Cr	53Cr	44Cr	51Cr	65Cr
Other Operating Expenses	47Cr	-30Cr	64Cr	48Cr	147.23Cr
Total Operating Expenses	222.24Cr	96Cr	165.92Cr	162.34Cr	290.73Cr
Operating Income	135.99Cr	66Cr	35Cr	40Cr	55Cr
Other Non Operating Income (Expenses)	-	6L	-	2L	11.41L
EBT, Excl. Unusual Items	135.99Cr	67Cr	35Cr	40Cr	56Cr
Asset Writedown	-7L	-	-46T	-1L	-45.97L
Legal Settlements	-	-	-16Cr	-15.91L	-
EBT, Incl. Unusual Items	135.92Cr	67Cr	18Cr	40Cr	55Cr
Income Tax Expense	36Cr	19Cr	3.9Cr	8.96Cr	5.03Cr
Earnings From Continuing Operations	100.35Cr	48Cr	14Cr	31Cr	50Cr
Net Income to Company	100.35Cr	48Cr	14Cr	31Cr	50Cr
Minority Interest	-	-	-	-	-
Net Income - (IS)	100.35Cr	48Cr	14Cr	31Cr	50Cr
Net Income to Common Incl Extra Items	100.35Cr	48Cr	14Cr	31Cr	50Cr
Net Income to Common Excl. Extra Items	100.35Cr	48Cr	14Cr	31Cr	50Cr
Per Share Items
Net EPS - Basic	15.73	8.96	2.89	6.11	9.69
Basic EPS - Continuing Operations	15.73	8.96	2.89	6.11	9.69
Basic Weighted Average Shares Outstanding	6.38Cr	5.31Cr	5Cr	5.1Cr	5.17Cr
Net EPS - Diluted	14.87	8.5	2.74	5.84	9.3
Diluted EPS - Continuing Operations	14.87	8.5	2.74	5.84	9.3
Diluted Weighted Average Shares Outstanding	6.75Cr	5.6Cr	5.27Cr	5.34Cr	5.39Cr
Normalized Basic EPS	13.32	7.84	4.33	4.94	6.72
Normalized Diluted EPS	12.6	7.43	4.11	4.72	6.45
Dividend Per Share	0.8	0.8	0.8	1.1	1.2
Payout Ratio	5.27	11.49	28.65	16.75	12.48
Supplemental Items
Effective Tax Rate - (Ratio)	26.17	28.52	21.22	22.34	9.13
Current Domestic Taxes	14Cr	-31.93L	20.56L	2L	-25.58L
Total Current Taxes	14Cr	-31.93L	20.56L	2L	-25.58L
Deferred Domestic Taxes	21Cr	19Cr	3.69Cr	8.94Cr	5.29Cr
Total Deferred Taxes	21Cr	19Cr	3.69Cr	8.94Cr	5.29Cr
Normalized Net Income	85Cr	42Cr	22Cr	25Cr	35Cr
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	3.78Cr	4.26Cr	2.76Cr	2.09Cr	3.62Cr
Total Stock-Based Compensation	3.78Cr	4.26Cr	2.76Cr	2.09Cr	3.62Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	34Cr	132.85Cr	94Cr	24Cr	30Cr
Long-Term Investments - (FS Template)	81.73L	1.31Cr	1.14Cr	42Cr	41Cr
Trading Asset Securities, Total	33Cr	9.9Cr	18Cr	11Cr	19Cr
Loans and Lease Receivables - (FS Template)	302.62Cr	470.21Cr	488.99Cr	615.72Cr	740.98Cr
Other Receivables	4.83Cr	5.63Cr	13Cr	16Cr	14Cr
Gross Property Plant And Equipment	16Cr	15Cr	13Cr	12Cr	16Cr
Accumulated Depreciation	-4.39Cr	-5.43Cr	-6.37Cr	-7.15Cr	-7.85Cr
Net Property Plant And Equipment	12Cr	9.42Cr	6.89Cr	4.95Cr	7.95Cr
Other Intangibles, Total	11Cr	16Cr	15Cr	12Cr	11Cr
Loans Held For Sale	974.25Cr	350.93Cr	442.07Cr	821.75Cr	912.34Cr
Restricted Cash	24T	3T	-	-	-
Other Current Assets, Total	92Cr	82Cr	89Cr	92Cr	106.11Cr
Other Long-Term Assets, Total	412.78Cr	604.73Cr	717.38Cr	968.56Cr	1.06TCr
Total Assets	1.88TCr	1.68TCr	1.88TCr	2.61TCr	2.94TCr
Liabilities
Accounts Payable, Total	36Cr	26Cr	38Cr	31Cr	57Cr
Short-Term Borrowings	1.08TCr	801.27Cr	915.32Cr	1.54TCr	1.69TCr
Current Portion of Long-Term Debt	-	-	-	-	-
Current Portion of Leases	2.4Cr	2.42Cr	1.97Cr	1.97Cr	1.74Cr
Long-Term Debt	307.38Cr	372.26Cr	439.31Cr	521.3Cr	615.78Cr
Long-Term Leases	8.95Cr	6.13Cr	4.64Cr	2.87Cr	5.77Cr
Current Income Taxes Payable	-13Cr	-19.93L	12.3L	-45T	77T
Deferred Tax Liability Non-Current	81Cr	100.47Cr	104.17Cr	113.1Cr	118.39Cr
Other Non Current Liabilities	30Cr	27Cr	27Cr	18Cr	18Cr
Total Liabilities	1.54TCr	1.34TCr	1.53TCr	2.23TCr	2.51TCr
Common Stock, Total	6T	5T	5T	5T	5T
Additional Paid In Capital	13Cr	-	2.43Cr	5.61Cr	9.69Cr
Retained Earnings	329.29Cr	347.1Cr	351.43Cr	377.36Cr	421.21Cr
Total Common Equity	341.83Cr	347.1Cr	353.86Cr	382.97Cr	430.9Cr
Minority Interest	-	-	-	-	-
Total Equity	341.83Cr	347.1Cr	353.86Cr	382.97Cr	430.9Cr
Total Liabilities And Equity	1.88TCr	1.68TCr	1.88TCr	2.61TCr	2.94TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	5.54Cr	5Cr	5.04Cr	5.14Cr	5.22Cr
ECS Total Common Shares Outstanding	5.69Cr	5Cr	5.02Cr	5.14Cr	5.21Cr
Book Value / Share	60.11	69.44	70.52	74.54	82.77
Tangible Book Value	330.88Cr	331.36Cr	338.99Cr	370.88Cr	420.08Cr
Tangible Book Value Per Share	58.19	66.29	67.56	72.19	80.69
Total Debt	1.4TCr	1.18TCr	1.36TCr	2.06TCr	2.31TCr
Net Debt	1.33TCr	1.04TCr	1.25TCr	2.03TCr	2.27TCr
Full Time Employees	7.21T	4.14T	3.91T	4.46T	5.24T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	100.35Cr	48Cr	14Cr	31Cr	50Cr
Depreciation, Depletion & Amortization	2.27Cr	2.63Cr	2.66Cr	2.15Cr	2.2Cr
Amortization of Goodwill and Intangible Assets - (CF)	-	-	-	-	-
Total Depreciation, Depletion & Amortization	2.27Cr	2.63Cr	2.66Cr	2.15Cr	2.2Cr
Amortization of Deferred Charges, Total	4.45Cr	4.32Cr	6.49Cr	7.7Cr	8.01Cr
Gain (Loss) on Sale of Loans & Receivables - (CF)	-246.44Cr	-79Cr	-55Cr	-82Cr	-107.18Cr
(Gain) Loss On Sale of Asset - (CF)	-	-	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-2L	4L	-2L	2L	3T
Total Asset Writedown	7L	-	46T	1L	45.97L
Stock-Based Compensation (CF)	3.78Cr	4.26Cr	2.76Cr	2.09Cr	3.62Cr
Net (Increase) Decrease in Loans Originated / Sold - Operating	310.21Cr	567.67Cr	-219Cr	-527.36Cr	-264.82Cr
Change in Accounts Payable	3.47Cr	-11Cr	12Cr	-7.87Cr	26Cr
Change In Income Taxes	6.26Cr	32Cr	4.01Cr	8.81Cr	5.3Cr
Change In Deferred Taxes	-	-	-	-	-
Change in Other Net Operating Assets (Collected)	-12Cr	9.77Cr	-15Cr	-22Cr	-33Cr
Other Operating Activities	84Cr	25Cr	88Cr	133.62Cr	143.48Cr
Cash from Operations	256.31Cr	603.32Cr	-158.22Cr	-453.33Cr	-165.2Cr
Capital Expenditure	-78.99L	-71.59L	-13.86L	-17.15L	-1.19Cr
Sale of Property, Plant, and Equipment	-	-	10L	-	-
Purchase / Sale of Intangible Assets	-4.9Cr	-7.59Cr	-3.48Cr	-2.04Cr	58Cr
Investment in Marketable and Equity Securities, Total	83.44L	-53.21L	10Cr	-104.69Cr	20Cr
Net (Increase) Decrease in Loans Originated / Sold - Investing	8.09Cr	-	-	-	-
Other Investing Activities, Total	-34Cr	-63Cr	-34Cr	-82Cr	-22Cr
Cash from Investing	-30Cr	-72Cr	-27Cr	-188.8Cr	55Cr
Short Term Debt Issued, Total	16TCr	9.44TCr	11TCr	13TCr	17TCr
Long-Term Debt Issued, Total	115Cr	65Cr	175.5Cr	170Cr	292.5Cr
Total Debt Issued	16TCr	9.5TCr	11TCr	13TCr	17TCr
Short Term Debt Repaid, Total	-16TCr	-9.89TCr	-11TCr	-13TCr	-17TCr
Long-Term Debt Repaid, Total	-14Cr	-34.89L	-107.5Cr	-88Cr	-195Cr
Total Debt Repaid	-16TCr	-9.89TCr	-11TCr	-13TCr	-17TCr
Issuance of Common Stock	75.36L	29.47L	1.72Cr	2.01Cr	1.28Cr
Repurchase of Common Stock	-97Cr	-41Cr	-8.06Cr	-94.01L	-85.02L
Common Dividends Paid	-5.29Cr	-5.46Cr	-4.14Cr	-5.22Cr	-6.26Cr
Common & Preferred Stock Dividends Paid	-5.29Cr	-5.46Cr	-4.14Cr	-5.22Cr	-6.26Cr
Other Financing Activities, Total	-3.76Cr	-1.96Cr	-3.3Cr	-3.59Cr	-6Cr
Cash from Financing	-245.14Cr	-432.32Cr	146.53Cr	572.13Cr	116.27Cr
Net Change in Cash	-19Cr	99Cr	-39Cr	-70Cr	6.32Cr
Supplemental Items
Cash Interest Paid	39Cr	33Cr	64Cr	80Cr	96Cr
Cash Income Tax Paid (Refund)	29Cr	-13Cr	-11.67L	14.88L	-26.8L
Net Debt Issued / Repaid	-140.13Cr	-383.81Cr	160.32Cr	579.88Cr	128.09Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	3.98	2.67	0.81	1.39	1.81
Return On Equity %	29.48	13.8	4.13	8.45	12.31
Return on Common Equity	29.48	13.8	4.13	8.45	12.31
Margin Analysis
Gross Profit Margin %	87.7	85.68	90.83	86.67	89.18
SG&A Margin	36.72	63.58	41.62	43.19	30.63
Income From Continuing Operations Margin %	28.01	29.2	7.21	15.37	14.47
Net Income Margin %	28.01	29.2	7.21	15.37	14.47
Net Avail. For Common Margin %	28.01	29.2	7.21	15.37	14.47
Normalized Net Income Margin	23.73	25.53	10.8	12.42	10.04
Asset Turnover
Asset Turnover	0.14	0.09	0.11	0.09	0.12
Short Term Liquidity
Current Ratio	1.3	1.27	1.2	1.01	1.04
Quick Ratio	0.34	0.75	0.64	0.42	0.46
Operating Cash Flow to Current Liabilities	0.23	0.73	-0.17	-0.29	-0.09
Long Term Solvency
Total Debt/Equity	409.81	340.55	384.68	538.98	537.23
Total Debt / Total Capital	80.38	77.3	79.37	84.35	84.31
LT Debt/Equity	92.54	109.01	125.46	136.87	144.24
Long-Term Debt / Total Capital	18.15	24.74	25.88	21.42	22.64
Total Liabilities / Total Assets	81.79	79.37	81.22	85.32	85.34
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-30.86	-54.54	23.16	1.01	70.88
Gross Profit, 1 Yr. Growth %	-33.22	-55.59	30.57	-3.61	75.84
Earnings From Cont. Operations, 1 Yr. Growth %	-39.07	-52.61	-69.58	115.29	60.9
Net Income, 1 Yr. Growth %	-39.07	-52.61	-69.58	115.29	60.9
Normalized Net Income, 1 Yr. Growth %	-39.66	-51.08	-48.28	16.26	38.05
Diluted EPS Before Extra, 1 Yr. Growth %	-28.92	-42.84	-67.76	113.14	59.25
Common Equity, 1 Yr. Growth %	0.85	1.54	1.95	8.22	12.52
Total Assets, 1 Yr. Growth %	-40.58	-10.41	12.02	38.43	12.66
Tangible Book Value, 1 Yr. Growth %	0.03	0.14	2.3	9.41	13.26
Cash From Operations, 1 Yr. Growth %	-141.35	135.39	-126.22	186.51	-63.56
Capital Expenditures, 1 Yr. Growth %	-25.98	-9.37	-80.64	23.74	595.1
Dividend Per Share, 1 Yr. Growth %	35.59	0	0	37.5	9.09
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	20.78	-43.94	-25.17	11.54	31.38
Gross Profit, 2 Yr. CAGR %	20.22	-45.54	-23.85	12.18	30.18
Earnings From Cont. Operations, 2 Yr. CAGR %	59.8	-46.27	-62.03	-19.07	86.12
Net Income, 2 Yr. CAGR %	59.8	-46.27	-62.03	-19.07	86.12
Normalized Net Income, 2 Yr. CAGR %	60.27	-45.67	-49.53	-22.46	26.68
Diluted EPS Before Extra, 2 Yr. CAGR %	74.38	-36.26	-57.07	-17.11	84.23
Common Equity, 2 Yr. CAGR %	28.77	1.2	1.74	5.04	10.35
Total Assets, 2 Yr. CAGR %	35.65	-27.03	0.18	24.53	24.88
Tangible Book Value, 2 Yr. CAGR %	28.68	0.09	1.22	5.8	11.32
Cash From Operations, 2 Yr. CAGR %	6.85	-1.35	-21.43	-13.32	2.18
Capital Expenditures, 2 Yr. CAGR %	13.57	-18.09	-58.11	-51.06	193.27
Dividend Per Share, 2 Yr. CAGR %	82.57	16.44	0	17.26	22.47
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	47.88	-12.8	-27.12	-17.3	28.58
Gross Profit, 3 Yr. CAGR %	49.34	-13.74	-27.11	-17.63	30.31
Earnings From Cont. Operations, 3 Yr. CAGR %	60.12	6.56	-55.55	-32.3	1.76
Net Income, 3 Yr. CAGR %	125.34	6.56	-55.55	-32.3	1.76
Normalized Net Income, 3 Yr. CAGR %	331.74	7.91	-46.43	-33.34	-6.02
Diluted EPS Before Extra, 3 Yr. CAGR %	79.01	20.24	-49.22	-26.77	3.04
Common Equity, 3 Yr. CAGR %	27.38	18.97	1.45	3.86	7.47
Total Assets, 3 Yr. CAGR %	35.91	18.13	-15.83	11.58	20.44
Tangible Book Value, 3 Yr. CAGR %	27.03	18.36	0.82	3.88	8.23
Cash From Operations, 3 Yr. CAGR %	64.82	39.03	-36.57	20.93	-35.06
Capital Expenditures, 3 Yr. CAGR %	-16.2	5.34	-49.36	-39.9	18.53
Dividend Per Share, 3 Yr. CAGR %	-	49.38	10.68	11.2	14.47
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	23.8	6.37	12.61	-3.77	-7.75
Gross Profit, 5 Yr. CAGR %	22.84	5.7	14.07	-4.18	-8.08
Earnings From Cont. Operations, 5 Yr. CAGR %	24.39	8.83	-9.96	-4.54	-21.18
Net Income, 5 Yr. CAGR %	72.3	36.39	10.53	-4.54	-21.18
Normalized Net Income, 5 Yr. CAGR %	166.44	247.39	82.96	-5.32	-24.42
Diluted EPS Before Extra, 5 Yr. CAGR %	38.25	16.1	1.12	3.61	-14.97
Common Equity, 5 Yr. CAGR %	57.98	49.2	16.43	13.19	4.92
Total Assets, 5 Yr. CAGR %	29.61	17.95	20.3	20.65	-1.44
Tangible Book Value, 5 Yr. CAGR %	57.99	49.5	16	13.16	4.9
Cash From Operations, 5 Yr. CAGR %	22.26	46.85	22.55	15.09	-23.24
Capital Expenditures, 5 Yr. CAGR %	-18.41	1.06	-36.5	-22.47	2.24
Dividend Per Share, 5 Yr. CAGR %	-	-	-	35.59	15.26