Financials PennyMac Financial Services, Inc.

Equities

PFSI

US70932M1071

Banks

Market Closed - Nyse Other stock markets 01:30:03 14/03/2026 am IST			5-day change	1st Jan Change
84.14 ^USD	-0.56%		-2.39%	-36.18%

21/02	Pennymac Financial Services Insider Sold Shares Worth $1,223,855, According to a Recent SEC Filing	MT
12/02	PennyMac Financial Services to Acquire Cenlar Subservicing Business	MT

Projected Income Statement: PennyMac Financial Services, Inc.

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Net sales ¹	3,167	1,986	1,402	1,594	2,047	2,531	2,918	3,211
Change	-	-37.31%	-29.41%	13.7%	28.41%	23.68%	15.27%	10.07%
EBITDA ¹	-	-	-	-	-	805.6	1,160	-
Change	-	-	-	-	-	-	43.99%	-
EBIT ¹	-	419.1	-	-	-	805.6	1,159	-
Change	-	-	-	-	-	-	43.82%	-
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,359	665.2	183.6	401	551.4	829.2	1,118	1,235
Change	-	-51.06%	-72.4%	118.39%	37.5%	50.38%	34.88%	10.43%
Net income ¹	1,003	475.5	144.7	311.4	501.1	621.4	838.2	917.8
Change	-	-52.61%	-69.58%	115.29%	60.9%	24.01%	34.88%	9.51%
Announcement Date	03/02/22	02/02/23	01/02/24	30/01/25	29/01/26	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	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	2027 Q2	2027 Q3	2027 Q4
Net sales ¹	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	444.7	632.9	538	535.2	615.6	654.1	669.4	677.5	726.5	768	800.5
Change	-	-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%	3.21%	42.31%	-14.99%	-0.52%	15.02%	6.25%	2.34%	1.21%	7.23%	5.71%	4.23%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	-	-	-	-	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	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	76.44	236.4	134.4	151.2	200.8	229.9	246.9	270	295.5	310.5	319.5
Change	-	-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%	-26.64%	209.22%	-43.14%	12.52%	32.77%	14.51%	7.39%	9.34%	9.44%	5.08%	2.9%
Net income ¹	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	136.5	181.5	106.8	113.3	150.6	172.8	185	202	221.5	233	239.5
Change	-	-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%	78.9%	33.01%	-41.14%	6.02%	32.99%	14.72%	7.08%	9.17%	9.65%	5.19%	2.79%
Announcement Date	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	22/07/25	21/10/25	29/01/26	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: PennyMac Financial Services, Inc.

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	03/02/22	02/02/23	01/02/24	30/01/25	29/01/26	-	-	-

Estimates

Cash Flow Forecast: PennyMac Financial Services, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025
CAPEX ¹	10.67	7.899	7.159	1.386	1.715	11.92
Change	-	-25.98%	-9.37%	-80.64%	23.74%	595.1%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	25/02/21	23/02/22	22/02/23	21/02/24	19/02/25	20/02/26

¹USD in Million

Estimates

Forecast Financial Ratios: PennyMac Financial Services, Inc.

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027	2028
Profitability
EBITDA Margin (%)	-	-	-	-	-	31.83%	39.76%	-
EBIT Margin (%)	-	21.1%	-	-	-	31.83%	39.71%	-
EBT Margin (%)	42.91%	33.5%	13.1%	25.16%	26.94%	32.76%	38.33%	38.46%
Net margin (%)	31.68%	23.95%	10.32%	19.54%	24.48%	24.55%	28.73%	28.58%
FCF margin (%)	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-
Profitability
ROA	5.58%	2.67%	0.81%	1.39%	1.81%	1.88%	2.28%	2.44%
ROE	29.48%	13.8%	4.13%	16.68%	12.31%	12.3%	14%	14.3%
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	1	0.8	0.8	1.1	1.2	1.2	1.2	1.2
Change	-	-20%	0%	37.5%	9.09%	0%	0%	0%
Book Value Per Share ¹	60.11	69.44	70.52	74.54	82.77	92.31	105	119.9
Change	-	15.52%	1.56%	5.7%	11.04%	11.53%	13.69%	14.21%
EPS ¹	14.87	8.5	2.74	5.84	9.3	11.42	15.52	17.08
Change	-	-42.84%	-67.76%	113.14%	59.25%	22.82%	35.85%	10.08%
Nbr of stocks (in thousands)	59,029	50,081	49,926	51,258	51,965	52,168	52,168	52,168
Announcement Date	03/02/22	02/02/23	01/02/24	30/01/25	29/01/26	-	-	-