PennyMac Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . PennyMac Finl Svcs
PFSI Stock  USD 131.84  1.42  1.07%   
PennyMac Finl's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing PennyMac Finl's valuation are provided below:
Gross Profit
2.4 B
Profit Margin
0.1831
Market Capitalization
6.9 B
Enterprise Value Revenue
8.8341
Revenue
2.7 B
We have found one hundred twenty available trending fundamental ratios for PennyMac Finl Svcs, which can be analyzed and compared to other ratios and to its competitors. Traders should compare all of PennyMac Finl Svcs recent fundamentals against the fundamentals between 2010 and 2026 to make sure the company is sustainable this year. The PennyMac Finl's current Market Cap is estimated to increase to about 679.7 M. The PennyMac Finl's current Enterprise Value is estimated to increase to about 5.1 B

PennyMac Finl Total Revenue

1.46 Billion

Check PennyMac Finl financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among PennyMac Finl's main balance sheet or income statement drivers, such as Depreciation And Amortization of 102.2 M, Interest Expense of 860.3 M or Selling General Administrative of 664.4 M, as well as many indicators such as Price To Sales Ratio of 3.43, Dividend Yield of 0.0193 or PTB Ratio of 1.38. PennyMac financial statements analysis is a perfect complement when working with PennyMac Finl Valuation or Volatility modules.
  
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Check out the analysis of PennyMac Finl Correlation against competitors.

PennyMac Finl Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding61.7 M53.4 M56.4 M
Slightly volatile
Total Assets27.4 B26.1 B11.2 B
Slightly volatile
Short and Long Term Debt Total21.6 B20.6 B8.3 B
Slightly volatile
Total Current Liabilities10.8 B10.3 B4.2 B
Slightly volatile
Total Stockholder Equity4 B3.8 B1.7 B
Slightly volatile
Other Liabilities1.5 B1.5 B582.7 M
Slightly volatile
Property Plant And Equipment Net53.7 M49.5 M46.2 M
Slightly volatile
Net Debt21.3 B20.3 B8 B
Slightly volatile
Retained Earnings4 B3.8 B1.4 B
Slightly volatile
Accounts Payable492.3 M476.7 M424.8 M
Slightly volatile
Cash318 M238.5 M273.9 M
Slightly volatile
Non Current Assets Total10.5 B10 B3.6 B
Slightly volatile
Non Currrent Assets Other1.1 B1.1 B315.9 M
Slightly volatile
Other Assets18.6 B17.7 B7.3 B
Slightly volatile
Cash And Short Term Investments411.8 M659 M355.3 M
Slightly volatile
Net Receivables15.3 B14.5 B6 B
Slightly volatile
Short Term Investments441.6 M420.6 M103.2 M
Slightly volatile
Liabilities And Stockholders Equity27.4 B26.1 B11.2 B
Slightly volatile
Non Current Liabilities Total12.5 B11.9 B5 B
Slightly volatile
Other Current Assets1.4 B919.1 M1.2 B
Pretty Stable
Total Liabilities23.4 B22.3 B9.2 B
Slightly volatile
Property Plant And Equipment Gross127 M121 M53.5 M
Slightly volatile
Total Current Assets8.2 B16.1 B7.1 B
Slightly volatile
Short Term Debt9.1 B8.7 B3.4 B
Slightly volatile
Intangible Assets9.3 B8.9 B3.2 B
Slightly volatile
Common Stock4.3 K4.5 K16.7 M
Slightly volatile
Property Plant Equipment113.8 M108.4 M51.3 M
Slightly volatile
Common Stock Total Equity4.8 K5.8 K4.1 K
Slightly volatile
Retained Earnings Total Equity4.2 B4 B1.5 B
Slightly volatile
Additional Paid In Capital165.5 M183.7 M212.1 M
Slightly volatile
Net Tangible Assets4.2 B4 B1.7 B
Slightly volatile
Long Term Investments896.8 K944 K781.5 M
Pretty Stable
Short and Long Term Debt4.7 B8.7 B3.3 B
Slightly volatile
Long Term Debt Total1.3 B2.6 B1 B
Slightly volatile
Capital Surpluse137 M144.2 M360.7 M
Pretty Stable
Capital Lease Obligations73.6 M98.4 M54.1 M
Slightly volatile
Non Current Liabilities Other27.7 M29.1 M2.4 B
Pretty Stable
Net Invested Capital16.2 B24.4 B10.8 B
Slightly volatile
Net Working Capital7.1 B5.8 B5 B
Slightly volatile
Capital Stock5 K4.5 K7 K
Slightly volatile

PennyMac Finl Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization102.2 M69.7 M93.5 M
Pretty Stable
Interest Expense860.3 M819.3 M193 M
Slightly volatile
Selling General Administrative664.4 M632.7 M210.6 M
Slightly volatile
Total Revenue1.5 B1.6 B1.3 B
Slightly volatile
Gross Profit915.9 M1.6 B837.9 M
Slightly volatile
Other Operating Expenses855.8 M692.7 M782.9 M
Slightly volatile
Operating Income606.2 M901 M554.5 M
Slightly volatile
EBIT569.7 M403.5 M521.2 M
Slightly volatile
EBITDA666.8 M473.2 M610 M
Slightly volatile
Cost Of Revenue36.1 M38 M467.7 M
Slightly volatile
Total Operating Expenses687.4 M654.7 M306.9 M
Slightly volatile
Income Before Tax529.2 M401 M484.1 M
Slightly volatile
Net Income329.6 M311.4 M301.5 M
Slightly volatile
Selling And Marketing Expenses16.7 M22 M13.4 M
Slightly volatile
Net Income Applicable To Common Shares367.1 M546.8 M338.1 M
Slightly volatile
Research Development157 M149.5 M60.9 M
Slightly volatile
Net Income From Continuing Ops538.6 M311.4 M419.4 M
Slightly volatile
Non Recurring77.3 M107.6 M75.5 M
Slightly volatile
Tax Provision173.5 M89.6 M119.3 M
Slightly volatile
Interest Income261.3 M248.9 M127.1 M
Slightly volatile
Reconciled Depreciation66.2 M69.7 M215.9 M
Slightly volatile
Extraordinary Items11 M12.3 M13.4 M
Slightly volatile

PennyMac Finl Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation23.1 M20.9 M21.2 M
Slightly volatile
Begin Period Cash Flow985.3 M938.4 M303.6 M
Slightly volatile
Depreciation66.2 M69.7 M127.8 M
Pretty Stable
Capital Expenditures21 M22.1 M113.5 M
Very volatile
Net Income414.3 M311.4 M379 M
Slightly volatile
End Period Cash Flow301.2 M238.5 M275.5 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.433.26791.5141
Slightly volatile
Dividend Yield0.01930.010.0201
Slightly volatile
PTB Ratio1.381.35991.2845
Slightly volatile
Days Sales Outstanding3.5 K3.3 K1 K
Slightly volatile
Book Value Per Share38.8875.105945.6514
Slightly volatile
Stock Based Compensation To Revenue0.02230.01310.0198
Slightly volatile
Capex To Depreciation0.30.31722.6992
Slightly volatile
PB Ratio1.381.35991.2845
Slightly volatile
EV To Sales16.8216.01486.0075
Slightly volatile
ROIC0.02720.02860.0571
Slightly volatile
Net Income Per Share4.826.10755.9404
Slightly volatile
Payables Turnover0.07570.07971.0824
Pretty Stable
Sales General And Administrative To Revenue0.420.3970.164
Slightly volatile
Research And Ddevelopement To Revenue0.0750.08450.0921
Slightly volatile
Capex To Revenue0.01320.01390.1302
Slightly volatile
Cash Per Share7.3412.92488.6663
Slightly volatile
Interest Coverage1.21.266.3379
Slightly volatile
Payout Ratio0.0880.16750.1106
Pretty Stable
Days Payables Outstanding4.8 K4.6 K927
Slightly volatile
ROE0.07730.08130.1804
Pretty Stable
PE Ratio17.5616.723610.3305
Slightly volatile
Return On Tangible Assets0.01720.01810.0415
Slightly volatile
Earnings Yield0.05680.05980.1609
Pretty Stable
Intangibles To Total Assets0.220.33980.2656
Slightly volatile
Net Debt To EBITDA45.0842.934313.4336
Slightly volatile
Current Ratio2.531.56192.3881
Slightly volatile
Receivables Turnover0.10.10961.6419
Slightly volatile
Graham Number51.8510261.0859
Slightly volatile
Shareholders Equity Per Share78.8675.105936.1286
Slightly volatile
Debt To Equity3.885.3674.5324
Pretty Stable
Capex Per Share0.410.43343.8266
Slightly volatile
Revenue Per Share26.3131.255832.4749
Slightly volatile
Interest Debt Per Share440419173
Slightly volatile
Debt To Assets0.490.78790.5883
Slightly volatile
Enterprise Value Over EBITDA56.6453.941218.044
Slightly volatile
Price Earnings Ratio17.5616.723610.3305
Slightly volatile
Operating Cycle3.5 K3.3 K1.1 K
Slightly volatile
Price Book Value Ratio1.381.35991.2845
Slightly volatile
Days Of Payables Outstanding4.8 K4.6 K927
Slightly volatile
Dividend Payout Ratio0.0880.16750.1106
Pretty Stable
Pretax Profit Margin0.370.25160.345
Slightly volatile
Ebt Per Ebit0.870.44510.9249
Slightly volatile
Operating Profit Margin0.410.56540.373
Very volatile
Effective Tax Rate0.140.22340.1486
Slightly volatile
Company Equity Multiplier8.766.81187.6552
Very volatile
Long Term Debt To Capitalization0.570.7560.6892
Pretty Stable
Total Debt To Capitalization0.620.84290.7523
Slightly volatile
Return On Capital Employed0.110.05710.1007
Slightly volatile
Debt Equity Ratio3.885.3674.5324
Pretty Stable
Ebit Per Revenue0.410.56540.373
Very volatile
Quick Ratio2.51.56192.3679
Slightly volatile
Net Income Per E B T0.820.77660.4228
Slightly volatile
Cash Ratio0.0220.02310.1002
Slightly volatile
Days Of Sales Outstanding3.5 K3.3 K1 K
Slightly volatile
Price To Book Ratio1.381.35991.2845
Slightly volatile
Fixed Asset Turnover38.6232.204435.0244
Slightly volatile
Enterprise Value Multiple56.6453.941218.044
Slightly volatile
Debt Ratio0.490.78790.5883
Slightly volatile
Price Sales Ratio3.433.26791.5141
Slightly volatile
Return On Assets0.01130.01190.0327
Slightly volatile
Asset Turnover0.0580.06110.1804
Slightly volatile
Net Profit Margin0.210.19540.1949
Pretty Stable
Gross Profit Margin1.020.97620.6328
Slightly volatile
Price Fair Value1.381.35991.2845
Slightly volatile
Return On Equity0.07730.08130.1804
Pretty Stable

PennyMac Finl Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap679.7 M647.3 M529.6 M
Slightly volatile
Enterprise Value5.1 B4.9 B4.4 B
Slightly volatile

PennyMac Fundamental Market Drivers

Forward Price Earnings8.2988
Cash And Short Term Investments659 M

PennyMac Upcoming Events

1st of February 2024
Upcoming Quarterly Report
View
25th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
1st of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About PennyMac Finl Financial Statements

Investors use fundamental indicators, such as PennyMac Finl's revenue or net income, to determine how well the company is positioned to perform in the future. Although PennyMac Finl's investors may analyze each financial statement separately, they are all interrelated. Understanding these patterns can help investors make the right trading decisions.
Last ReportedProjected for Next Year
Total Revenue1.6 B1.5 B
Cost Of Revenue38 M36.1 M
Stock Based Compensation To Revenue 0.01  0.02 
Sales General And Administrative To Revenue 0.40  0.42 
Research And Ddevelopement To Revenue 0.08  0.08 
Capex To Revenue 0.01  0.01 
Revenue Per Share 31.26  26.31 
Ebit Per Revenue 0.57  0.41 

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When determining whether PennyMac Finl Svcs offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of PennyMac Finl's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pennymac Finl Svcs Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pennymac Finl Svcs Stock:
How To Invest In PennyMac
Details
Is PennyMac Stock a good investment?
Details
What is PennyMac Finl's Net Worth?
Details
Largest Commercial & Residential Mortgage Finance Companies
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Largest Financial Services Companies
View
Check out the analysis of PennyMac Finl Correlation against competitors.
You can also try the Portfolio Rebalancing module to analyze risk-adjusted returns against different time horizons to find asset-allocation targets.
Is Commercial & Residential Mortgage Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of PennyMac Finl. If investors know PennyMac will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about PennyMac Finl listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
1.592
Dividend Share
1.2
Earnings Share
9.31
Revenue Per Share
52.836
Quarterly Revenue Growth
(0.01)
The market value of PennyMac Finl Svcs is measured differently than its book value, which is the value of PennyMac that is recorded on the company's balance sheet. Investors also form their own opinion of PennyMac Finl's value that differs from its market value or its book value, called intrinsic value, which is PennyMac Finl's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because PennyMac Finl's market value can be influenced by many factors that don't directly affect PennyMac Finl's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
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Buy or Sell
Advice
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Earnings
Projections
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Please note, there is a significant difference between PennyMac Finl's value and its price as these two are different measures arrived at by different means. Investors typically determine if PennyMac Finl is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, PennyMac Finl's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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