Stocktoria
PennyMac Financial Services, Inc. PFSI
NYSE · XNYS · stock · Mortgage Bankers & Loan Correspondents · website · IPO 2013-05-09
Chart by TradingView
3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
12.5%
Dividend payout · safe
Valuation · market cap as of 2026-06-29
Market cap$4.5B
P / E8.9×
P / B1.0×
Dividend yield1.40%
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $20.1M | $26.9M | $13.4M | $12.4M | $7.3M |
| Net income | $501.1M | $311.4M | $144.7M | $475.5M | $1.0B |
| Operating cash flow | -$1.7B | -$4.5B | -$1.6B | $6.0B | $2.6B |
| Free cash flow | -$1.7B | -$4.5B | -$1.6B | $6.0B | $2.6B |
| Total assets | $29.4B | $26.1B | $18.8B | $16.8B | $18.8B |
| Total liabilities | $25.1B | $22.3B | $15.3B | $13.4B | $15.4B |
| Shareholders' equity | $4.3B | $3.8B | $3.5B | $3.5B | $3.4B |
| Ratios | |||||
| Net margin | 2491.9% | 1159.1% | 1079.3% | 3837.2% | 13699.5% |
| FCF margin | -8274.8% | -16878.8% | -11815.3% | 48628.8% | 34882.8% |
| Return on assets | 1.7% | 1.2% | 0.8% | 2.8% | 5.3% |
| Return on equity | 11.6% | 8.1% | 4.1% | 13.7% | 29.4% |
| Debt / equity | 1.45× | 1.37× | 1.25× | 1.08× | 0.91× |
| Revenue growth | -25.2% | 100.5% | 8.2% | 69.2% | 8.7% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| Point72 Asset Management, L.P. | 21,700 | $1.9M |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001745916 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.