Financials PennyMac Financial Services, Inc.

Equities

PFSI

US70932M1071

Banks

Market Closed - Nyse Other stock markets 01:30:02 08/07/2025 am IST			5-day change	1st Jan Change
100.13 ^USD	-2.23%		+0.49%	-1.97%

01/07	PennyMac Financial Services, Inc.(NYSE:PFSI) dropped from Russell 2000 Growth-Defensive Index	CI
01/07	PennyMac Financial Services, Inc.(NYSE:PFSI) dropped from Russell 2000 Dynamic Index	CI

Projected Income Statement: PennyMac Financial Services, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	3,706	3,167	1,986	1,402	1,594	2,125	2,506	2,867
Change	-	-14.52%	-37.31%	-29.41%	13.7%	33.35%	17.94%	14.38%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT	2,241	-	419.1	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	2,241	1,359	665.2	183.6	401	787.3	1,065	1,239
Change	-	-39.34%	-51.06%	-72.4%	118.39%	96.32%	35.33%	16.27%
Net income ¹	1,647	1,003	475.5	144.7	311.4	593.8	795	942.5
Change	-	-39.07%	-52.61%	-69.58%	115.29%	90.69%	33.88%	18.55%
Announcement Date	04/02/21	03/02/22	02/02/23	01/02/24	30/01/25	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1
Net sales ¹	821.6	1,120	1,042	944.7	742.3	786.6	693.8	657.5	511.5	476.3	340.4	302.9	336.5	400.3	361.9	305.7	406.1	411.8	470.1	430.9	535.9	571.8	570.1	568.2	614.5	639.3	631.6	675.8
Change	-	36.31%	-6.95%	-9.35%	-21.43%	5.98%	-11.8%	-5.23%	-22.2%	-6.89%	-28.52%	-11.04%	11.12%	18.95%	-9.58%	-15.55%	32.87%	1.41%	14.15%	-8.34%	24.38%	6.7%	-0.31%	-0.32%	8.14%	4.04%	-1.21%	7.01%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	480.4	-	-	-	-	-	-	311.8	248.7	268.4	58.01	169.9	72.92	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-20.26%	7.96%	-78.39%	192.9%	-57.09%	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	480.4	728.3	617.2	506	279.5	339.5	234.1	234.5	177.5	185.5	67.73	38.15	72.92	126.8	-54.23	43.88	133.9	93.92	129.4	104.2	201.5	238.6	243.2	229.2	266.6	277.3	266.7	-
Change	-	51.61%	-15.25%	-18.02%	-44.76%	21.48%	-31.05%	0.17%	-24.3%	4.48%	-63.48%	-43.68%	91.15%	73.89%	-142.77%	180.92%	205.02%	-29.83%	37.73%	-19.46%	93.39%	18.4%	1.92%	-5.76%	16.36%	4%	-3.82%	-
Net income ¹	352.7	535.2	452.8	376.9	204.2	249.3	173.1	173.6	129.2	135.1	37.62	30.38	58.25	92.87	-36.84	39.31	98.26	69.37	104.5	76.28	168.3	179.3	178.6	172.5	203.6	210.1	201.7	233.4
Change	-	51.74%	-15.39%	-16.77%	-45.81%	22.07%	-30.58%	0.29%	-25.59%	4.62%	-72.16%	-19.24%	91.75%	59.43%	-139.67%	206.69%	149.97%	-29.4%	50.63%	-27%	120.69%	6.51%	-0.42%	-3.42%	18.08%	3.17%	-3.97%	15.7%
Announcement Date	06/08/20	05/11/20	04/02/21	06/05/21	05/08/21	04/11/21	03/02/22	05/05/22	02/08/22	27/10/22	02/02/23	27/04/23	27/07/23	26/10/23	01/02/24	24/04/24	23/07/24	22/10/24	30/01/25	22/04/25	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: PennyMac Financial Services, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	04/02/21	03/02/22	02/02/23	01/02/24	30/01/25	-	-	-

Estimates

Cash Flow Forecast: PennyMac Financial Services, Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	6.124	10.67	7.899	7.159	1.386	1.715
Change	-	74.25%	-25.98%	-9.37%	-80.64%	23.74%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	28/02/20	25/02/21	23/02/22	22/02/23	21/02/24	19/02/25

¹USD in Million

Estimates

Forecast Financial Ratios: PennyMac Financial Services, Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	60.47%	-	21.1%	-	-	-	-	-
EBT Margin (%)	-	60.47%	42.91%	33.5%	13.1%	25.16%	37.05%	42.51%	43.21%
Net margin (%)	-	44.44%	31.68%	23.95%	10.32%	19.54%	27.94%	31.72%	32.88%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	7.88%	5.58%	2.67%	0.81%	1.39%	2.68%	2.83%	2.89%
ROE	-	60.43%	29.48%	13.8%	4.13%	16.68%	15.62%	16.55%	17.26%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.54	1	0.8	0.8	1.1	1.2	1.2	1.2
Change	-	-	85.19%	-20%	0%	37.5%	9.09%	0%	0%
Book Value Per Share ¹	-	47.8	60.11	69.44	70.52	74.54	83.64	97.89	117.2
Change	-	-	25.75%	15.52%	1.56%	5.7%	12.21%	17.03%	19.7%
EPS ¹	-	20.92	14.87	8.5	2.74	5.84	11.24	14.97	18.12
Change	-	-	-28.92%	-42.84%	-67.76%	113.14%	92.46%	33.23%	20.98%
Nbr of stocks (in thousands)	-	72,444	59,029	50,081	49,926	51,258	51,664	51,664	51,664
Announcement Date	-	04/02/21	03/02/22	02/02/23	01/02/24	30/01/25	-	-	-