PennyMac Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . PennyMac Finl Svcs
PFSI Stock  USD 90.67  0.91  1.01%   
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
3.1 B
Profit Margin
0.1447
Market Capitalization
4.7 B
Enterprise Value Revenue
6.1225
Revenue
3.5 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

4.58 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 1 B or Selling General Administrative of 822.1 M, as well as many indicators such as Price To Sales Ratio of 1.12, Dividend Yield of 0.0087 or PTB Ratio of 1.4. 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 Outstanding61.5 M53.9 M56.2 M
Slightly volatile
Total Assets30.9 B29.4 B12.4 B
Slightly volatile
Short and Long Term Debt Total24.2 B23.1 B9.3 B
Slightly volatile
Total Current Liabilities17 B16.2 B5.3 B
Slightly volatile
Total Stockholder Equity4.5 B4.3 B1.9 B
Slightly volatile
Other Liabilities1.5 B1.5 B623.2 M
Slightly volatile
Property Plant And Equipment Net55.9 M79.5 M48.3 M
Slightly volatile
Net Debt23.9 B22.8 B9 B
Slightly volatile
Retained Earnings4.4 B4.2 B1.6 B
Slightly volatile
Accounts Payable515.3 M760.5 M445.9 M
Slightly volatile
Cash318.9 M301.7 M275.6 M
Slightly volatile
Non Current Assets Total30.1 B28.7 B6.2 B
Slightly volatile
Non Currrent Assets Other10.7 B10.2 B1.5 B
Slightly volatile
Other Assets18.6 B17.7 B7.8 B
Slightly volatile
Cash And Short Term Investments436.5 M711.7 M377.7 M
Slightly volatile
Net Receivables16.3 M17.1 M4.7 B
Slightly volatile
Short Term Investments430.5 M410 M120.6 M
Slightly volatile
Liabilities And Stockholders Equity30.9 B29.4 B12.4 B
Slightly volatile
Non Current Liabilities Total5.6 B8.9 B4.8 B
Slightly volatile
Total Liabilities26.3 B25.1 B10.3 B
Slightly volatile
Property Plant And Equipment Gross165.9 M158 M61.9 M
Slightly volatile
Total Current Assets692.4 M728.8 M6.3 B
Slightly volatile
Short Term Debt17 B16.2 B4.6 B
Slightly volatile
Intangible Assets10.1 B9.6 B3.6 B
Slightly volatile
Common Stock4.3 K4.5 K15.7 M
Slightly volatile
Property Plant Equipment113.8 M108.4 M53.8 M
Slightly volatile
Common Stock Total Equity4.8 K5.8 K4.2 K
Slightly volatile
Retained Earnings Total Equity4.2 B4 B1.6 B
Slightly volatile
Additional Paid In Capital165.5 M183.7 M211.6 M
Slightly volatile
Net Tangible Assets4.2 B4 B1.8 B
Slightly volatile
Long Term Investments894 K941 K735.5 M
Very volatile
Short and Long Term Debt5.1 B8.8 B3.6 B
Slightly volatile
Long Term Debt Total1.3 B2.6 B1.1 B
Slightly volatile
Capital Surpluse137 M144.2 M346.9 M
Very volatile
Capital Lease Obligations73.6 M98.4 M56 M
Slightly volatile
Non Current Liabilities Other33.1 M34.9 M2.3 B
Pretty Stable
Net Invested Capital17.7 B27.4 B11.8 B
Slightly volatile
Net Working Capital7.3 B7.7 B5.2 B
Slightly volatile
Capital Stock4.9 K4.5 K6.9 K
Slightly volatile

PennyMac Finl Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization102.2 M80.1 M92.7 M
Very volatile
Interest Expense1 B960.6 M246.9 M
Slightly volatile
Selling General Administrative822.1 M782.9 M253.6 M
Slightly volatile
Total Revenue4.6 B4.4 B1.7 B
Slightly volatile
Gross Profit4.2 B4 B1.2 B
Slightly volatile
Other Operating Expenses3 B2.9 B1 B
Slightly volatile
Operating Income1.6 B1.5 B668.6 M
Slightly volatile
EBIT569.7 M464 M517.8 M
Slightly volatile
EBITDA1.6 B1.5 B717.2 M
Slightly volatile
Cost Of Revenue537.7 M374.6 M491.7 M
Slightly volatile
Total Operating Expenses2.6 B2.5 B547.2 M
Slightly volatile
Income Before Tax534 M551.4 M488.3 M
Slightly volatile
Net Income343.4 M501.1 M314 M
Slightly volatile
Selling And Marketing Expenses48.4 M46.1 M17.2 M
Slightly volatile
Net Income Applicable To Common Shares367.1 M546.8 M346.1 M
Slightly volatile
Research Development180.6 M172 M68.8 M
Slightly volatile
Net Income From Continuing Ops539.7 M501.1 M424.2 M
Slightly volatile
Non Recurring77.3 M107.6 M76.5 M
Slightly volatile
Tax Provision47.8 M50.3 M107.8 M
Slightly volatile
Interest Income261.3 M248.9 M132.4 M
Slightly volatile
Reconciled Depreciation132.1 M69.4 M211.2 M
Slightly volatile
Extraordinary Items11 M12.3 M13.5 M
Slightly volatile

PennyMac Finl Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation24.2 M36.2 M22.1 M
Slightly volatile
Begin Period Cash Flow282.6 M238.5 M258.4 M
Slightly volatile
Depreciation65.9 M69.4 M124.3 M
Very volatile
Capital Expenditures11.3 M11.9 M106.9 M
Pretty Stable
Net Income422.9 M501.1 M386.7 M
Slightly volatile
End Period Cash Flow303.1 M301.7 M277.2 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.121.56281.3811
Very volatile
Dividend Yield0.00870.00920.0188
Slightly volatile
PTB Ratio1.41.58271.3032
Pretty Stable
Days Sales Outstanding1.361.4321771
Slightly volatile
Book Value Per Share87.4783.300650.7243
Slightly volatile
Stock Based Compensation To Revenue0.02190.01510.0197
Slightly volatile
Capex To Depreciation0.160.17192.5423
Slightly volatile
PB Ratio1.41.58271.3032
Pretty Stable
EV To Sales4.386.77765.3211
Slightly volatile
ROIC0.06480.04680.0587
Slightly volatile
Net Income Per Share4.999.68686.1708
Slightly volatile
Payables Turnover0.06810.07171.0225
Very volatile
Sales General And Administrative To Revenue0.120.17940.1472
Pretty Stable
Research And Ddevelopement To Revenue0.0750.08450.0922
Slightly volatile
Capex To Revenue0.00260.00270.122
Slightly volatile
Cash Per Share7.5813.75888.9799
Slightly volatile
Interest Coverage1.51.57416.0659
Slightly volatile
Payout Ratio0.0880.12480.1115
Pretty Stable
Days Payables Outstanding4.3 K4.1 K1.1 K
Slightly volatile
ROE0.210.11630.1844
Very volatile
PE Ratio8.0613.61039.9646
Pretty Stable
Return On Tangible Assets0.0450.02530.0421
Slightly volatile
Earnings Yield0.06980.07350.1565
Slightly volatile
Intangibles To Total Assets0.220.32660.2692
Slightly volatile
Net Debt To EBITDA9.6915.050911.4469
Slightly volatile
Current Ratio0.04270.0452.104
Slightly volatile
Receivables Turnover26825532.2733
Slightly volatile
Graham Number14113570.691
Slightly volatile
Shareholders Equity Per Share87.4783.300639.4099
Slightly volatile
Debt To Equity3.95.35124.5818
Slightly volatile
Capex Per Share0.220.23053.6039
Slightly volatile
Revenue Per Share88.5884.36139.1899
Slightly volatile
Interest Debt Per Share488464192
Slightly volatile
Debt To Assets0.50.78460.6005
Slightly volatile
Enterprise Value Over EBITDA12.7819.561415.5532
Slightly volatile
Price Earnings Ratio8.0613.61039.9646
Pretty Stable
Operating Cycle1.361.4321801
Slightly volatile
Price Book Value Ratio1.41.58271.3032
Pretty Stable
Days Of Payables Outstanding4.3 K4.1 K1.1 K
Slightly volatile
Dividend Payout Ratio0.0880.12480.1115
Pretty Stable
Pretax Profit Margin0.120.12640.3174
Slightly volatile
Ebt Per Ebit0.350.36470.8614
Slightly volatile
Operating Profit Margin0.410.34650.3714
Very volatile
Effective Tax Rate0.140.09130.1452
Slightly volatile
Company Equity Multiplier8.676.82037.6008
Very volatile
Long Term Debt To Capitalization0.560.6140.6842
Pretty Stable
Total Debt To Capitalization0.630.84250.7582
Slightly volatile
Return On Capital Employed0.110.11470.1015
Slightly volatile
Debt Equity Ratio3.95.35124.5818
Slightly volatile
Ebit Per Revenue0.410.34650.3714
Very volatile
Quick Ratio0.04270.0452.0867
Slightly volatile
Net Income Per E B T0.950.90870.4591
Slightly volatile
Cash Ratio0.01770.01860.0952
Slightly volatile
Days Of Sales Outstanding1.361.4321771
Slightly volatile
Price To Book Ratio1.41.58271.3032
Pretty Stable
Fixed Asset Turnover38.6237.0435.1429
Slightly volatile
Enterprise Value Multiple12.7819.561415.5532
Slightly volatile
Debt Ratio0.50.78460.6005
Slightly volatile
Price Sales Ratio1.121.56281.3811
Very volatile
Return On Assets0.01620.0170.032
Slightly volatile
Asset Turnover0.20.14850.1869
Slightly volatile
Net Profit Margin0.210.11480.1902
Pretty Stable
Gross Profit Margin0.50.91420.6187
Pretty Stable
Price Fair Value1.41.58271.3032
Pretty Stable
Return On Equity0.210.11630.1844
Very volatile

PennyMac Finl Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap679.7 M647.3 M540.8 M
Slightly volatile
Enterprise Value5.1 B4.9 B4.5 B
Slightly volatile

PennyMac Fundamental Market Drivers

Forward Price Earnings5.6148
Cash And Short Term Investments711.7 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 Revenue4.4 B4.6 B
Cost Of Revenue374.6 M537.7 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.18  0.12 
Research And Ddevelopement To Revenue 0.08  0.08 
Revenue Per Share 84.36  88.58 
Ebit Per Revenue 0.35  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
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Check out the analysis of PennyMac Finl Correlation against competitors.
You can also try the Performance Analysis module to check effects of mean-variance optimization against your current asset allocation.
Is there potential for Commercial & Residential Mortgage Finance market expansion? Will PennyMac introduce new products? Factors like these will boost the valuation of PennyMac Finl. Anticipated expansion of PennyMac directly elevates investor willingness to pay premium valuations. Understanding fair value requires weighing current performance against future potential. 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
0.006
Dividend Share
1.2
Earnings Share
9.3
Revenue Per Share
66.93
Quarterly Revenue Growth
5.11
Investors evaluate PennyMac Finl Svcs using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating PennyMac Finl's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause PennyMac Finl's market price to deviate significantly from intrinsic value.
Altman
Z Score
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Piotroski
F Score
Details
Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Earnings
Projections
Details
It's important to distinguish between PennyMac Finl's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding PennyMac Finl should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, PennyMac Finl's market price signifies the transaction level at which participants voluntarily complete trades.
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