Stocktoria

PennyMac Financial Services, Inc. PFSI

NYSE · stock · Mortgage Bankers & Loan Correspondents · website · IPO 2013-05-09 · LEI

PennyMac Financial Services, Inc. statistics & valuation

Market cap$4.5B
P / E8.9×
P / B1.0×
Dividend yield1.40%
Net margin2491.9%
Return on equity11.6%
FCF margin-8274.8%
Net debt$6.2B
Enterprise value USD$10.7B
Graham number +68%$129.36

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($129.36); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
10.50% 8.90% 4425.30% 24445.40% 13699.50% 3837.20% 1079.30% 1159.10% 2491.90% 201720182019202020212022202320242025
Gross margin (%)
201720182019202020212022202320242025
Operating margin (%)
201720182019202020212022202320242025
Return on equity (%)
5.90% 5.30% 19.10% 48.60% 29.40% 13.70% 4.10% 8.10% 11.60% 201720182019202020212022202320242025
Shares outstanding
25.0M 35.3M 80.3M 78.7M 67.5M 56.0M 52.7M 53.4M 53.9M 201720182019202020212022202320242025
Net debt ($)
$1.14B $1.65B $1.49B $3.10B $3.75B $4.43B $5.25B $6.23B 201720182019202020212022202320242025
Share buybacks ($)
201720182019202020212022202320242025
Return on assets (%)
1.40% 1.20% 3.90% 5.20% 5.30% 2.80% 0.80% 1.20% 1.70% 201720182019202020212022202320242025
Free cash flow margin (%)
-93.20% 56.80% -25351.90% -92171.70% 34882.80% 48628.80% -11815.30% -16878.80% -8274.80% 201720182019202020212022202320242025
Debt / equity (×)
0.66× 1.00× 0.72× 0.91× 1.08× 1.25× 1.37× 1.45× 201720182019202020212022202320242025
EPS ($)
$4.03 $2.59 $4.89 $20.92 $14.87 $8.50 $2.74 $5.84 $9.30 201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

PennyMac Financial Services, Inc. trades at about 8.3× earnings — near its 10-year norm (10-year range 2.8×–31.8×, median 7.9×).

2.8× 31.8×

Shaded band = 10-year range (2.8×–31.8×); dot = today's 8.3×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Net margin2491.9%1159.1%1079.3%3837.2%13699.5%24445.4%4425.3%8.9%10.5%
FCF margin-8274.8%-16878.8%-11815.3%48628.8%34882.8%-92171.7%-25351.9%56.8%-93.2%
Return on assets1.7%1.2%0.8%2.8%5.3%5.2%3.9%1.2%1.4%
Return on equity11.6%8.1%4.1%13.7%29.4%48.6%19.1%5.3%5.9%
Debt / equity1.45×1.37×1.25×1.08×0.91×—0.72×1.00×0.66×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.