PennyMac Financial Services, Inc. (PFSI)

73.38 -0.29% (-0.21)

Over 5Y: +16.8%

2026-08-28
50 100 150
2021 2022 2023 2024 2025 2026

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '21 — Revenue: 786.6M Q3 '21 — Operating Cash Flow: 1.4B Q3 '21 — Free Cash Flow: 1.4B Q3 '21 — Net Income: 249.3M Q4 '21 — Revenue: 693.8M Q4 '21 — Operating Cash Flow: -207M Q4 '21 — Free Cash Flow: -208.9M Q4 '21 — Net Income: 173.1M Q1 '22 — Revenue: 657.5M Q1 '22 — Operating Cash Flow: 4.4B Q1 '22 — Free Cash Flow: 4.4B Q1 '22 — Net Income: 173.6M Q2 '22 — Revenue: 511.5M Q2 '22 — Operating Cash Flow: 1.7B Q2 '22 — Free Cash Flow: 1.7B Q2 '22 — Net Income: 129.2M Q3 '22 — Revenue: 476.3M Q3 '22 — Operating Cash Flow: -587.7M Q3 '22 — Free Cash Flow: -589.2M Q3 '22 — Net Income: 135.1M Q4 '22 — Revenue: 340.4M Q4 '22 — Operating Cash Flow: 489.4M Q4 '22 — Free Cash Flow: 487.9M Q4 '22 — Net Income: 37.6M Q1 '23 — Revenue: 302.9M Q1 '23 — Operating Cash Flow: -3.3B Q1 '23 — Free Cash Flow: -3.3B Q1 '23 — Net Income: 30.4M Q2 '23 — Revenue: 336.5M Q2 '23 — Operating Cash Flow: 2.2B Q2 '23 — Free Cash Flow: 2.2B Q2 '23 — Net Income: 58.2M Q3 '23 — Revenue: 400.3M Q3 '23 — Operating Cash Flow: -975.9M Q3 '23 — Free Cash Flow: -976.2M Q3 '23 — Net Income: 92.9M Q4 '23 — Revenue: 361.9M Q4 '23 — Operating Cash Flow: 430.3M Q4 '23 — Free Cash Flow: 429.8M Q1 '24 — Revenue: 305.7M Q1 '24 — Operating Cash Flow: -897.9M Q1 '24 — Free Cash Flow: -898.9M Q1 '24 — Net Income: 39.3M Q2 '24 — Revenue: 406.1M Q2 '24 — Operating Cash Flow: -1.1B Q2 '24 — Free Cash Flow: -1.1B Q2 '24 — Net Income: 98.3M Q3 '24 — Revenue: 411.8M Q3 '24 — Operating Cash Flow: -393.7M Q3 '24 — Free Cash Flow: -393.9M Q3 '24 — Net Income: 69.4M Q4 '24 — Revenue: 470.1M Q4 '24 — Operating Cash Flow: -2.1B Q4 '24 — Free Cash Flow: -2.1B Q4 '24 — Net Income: 104.5M Q1 '25 — Revenue: 430.9M Q1 '25 — Operating Cash Flow: 1.1B Q1 '25 — Free Cash Flow: 1.1B Q1 '25 — Net Income: 76.3M Q2 '25 — Revenue: 444.7M Q2 '25 — Operating Cash Flow: -131.3M Q2 '25 — Free Cash Flow: -132.6M Q2 '25 — Net Income: 136.5M Q3 '25 — Revenue: 632.9M Q3 '25 — Operating Cash Flow: -697.4M Q3 '25 — Free Cash Flow: -699.4M Q3 '25 — Net Income: 181.5M Q4 '25 — Revenue: 538M Q4 '25 — Operating Cash Flow: -1.9B Q4 '25 — Free Cash Flow: -1.9B Q4 '25 — Net Income: 106.8M Q1 '26 — Revenue: 545M Q1 '26 — Operating Cash Flow: -1.3B Q1 '26 — Free Cash Flow: -1.3B Q1 '26 — Net Income: 82.3M Q2 '26 — Revenue: 497M Q2 '26 — Operating Cash Flow: 2.1B Q2 '26 — Free Cash Flow: 2.1B Q2 '26 — Net Income: 21.7M -2B 0 2B 4B 6B
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2026-06-30, reported in USD. The newest fact in the filings is dated 2026-06-30, 61 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

4.4
Oper. margin 22.9%
ROIC 4.0%
OE margin -82.5%
ROE 9.0%
ROA 1.3%
Accruals 7.3%
Asset turnover 0.074×
FCF margin -81.4%
OCF / EBIT -3.5×
OCF margin -80.7%
Gross margin —
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

1.0
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

1.8
ND/EBITDA —
Payout 16.1%
Cash / Debt 0.12×
Debt / Eq 1.5×
F-score 3.9 pts
Cash runway —
Current ratio —
Debt payback —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

3.6
Sales/sh Y/Y +24.7%
Sales CAGR 4Y -10.3%
Div. growth +19.9%
EBIT Y/Y +25.5%
Shares change +0.99%
EPS Y/Y +0.5%
Sales Q/Q +11.7%
EBIT CAGR -7.5%
EPS CAGR 4Y -11.1%
EPS next Y —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.