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PennyMac Financial (PFSI)
NYSE:PFSI
Total Valuation
PennyMac Financial has a market cap or net worth of $4.99B. The enterprise value is $27.55B.
Market Cap$4.99B
Enterprise Value$27.55B
Share Statistics
PennyMac Financial has 51,965,473 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding51,965,473
Owned by Insiders12.83%
Owned by Institutions12.68%
Financial Efficiency
PennyMac Financial’s return on equity (ROE) is 0.12 and return on invested capital (ROIC) is 4.68%.
Return on Equity (ROE)0.12
Return on Assets (ROA)0.02
Return on Invested Capital (ROIC)4.68%
Return on Capital Employed (ROCE)0.11
Revenue Per Employee979.09K
Profits Per Employee112.42K
Employee Count4,457
Asset Turnover0.15
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of PennyMac Financial is 10.3. PennyMac Financial’s PEG ratio is 0.23.
PE Ratio10.3
PS Ratio1.56
PB Ratio1.58
Price to Fair Value1.58
Price to FCF-4.24
Price to Operating Cash Flow20.21
PEG Ratio0.23
Income Statement
In the last 12 months, PennyMac Financial had revenue of 4.36B and earned 501.08M in profits. Earnings per share was 9.69.
Revenue4.36B
Gross Profit3.99B
Operating Income1.51B
Pretax Income551.42M
Net Income501.08M
EBITDA1.51B
Earnings Per Share (EPS)9.69
Cash Flow
In the last 12 months, operating cash flow was 237.27M and capital expenditures -28.23M, giving a free cash flow of 209.03M billion.
Operating Cash Flow237.27M
Free Cash Flow209.03M
Free Cash Flow per Share4.02
Dividends & Yields
PennyMac Financial pays an annual dividend of $0.3, resulting in a dividend yield of 0.9%
Dividend Per Share$0.3
Dividend Yield0.9%
Payout Ratio12.93%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.54
52-Week Price Change-6.08%
50-Day Moving Average125.67
200-Day Moving Average114.15
Relative Strength Index (RSI)28.78
Average Volume (3m)394.03K
Important Dates
PennyMac Financial upcoming earnings date is Apr 29, 2026, After Close (Confirmed).
Last Earnings DateJan 29, 2026
Next Earnings DateApr 29, 2026
Ex-Dividend Date―
Financial Position
PennyMac Financial as a current ratio of 0.04, with Debt / Equity ratio of 535.12%
Current Ratio0.04
Quick Ratio0.04
Debt to Market Cap3.38
Net Debt to EBITDA15.05
Interest Coverage Ratio1.57
Taxes
In the past 12 months, PennyMac Financial has paid 50.34M in taxes.
Income Tax50.34M
Effective Tax Rate0.09
Enterprise Valuation
PennyMac Financial EV to EBITDA ratio is 19.56, with an EV/FCF ratio of -18.37.
EV to Sales6.78
EV to EBITDA19.56
EV to Free Cash Flow-18.37
EV to Operating Cash Flow-18.37
Balance Sheet
PennyMac Financial has $711.72M in cash and marketable securities with $23.06B in debt, giving a net cash position of -$22.35B billion.
Cash & Marketable Securities$711.72M
Total Debt$23.06B
Net Cash-$22.35B
Net Cash Per Share-$430.03
Tangible Book Value Per Share-$102.27
Margins
Gross margin is 65.25%, with operating margin of 34.65%, and net profit margin of 11.48%.
Gross Margin65.25%
Operating Margin34.65%
Pretax Margin12.64%
Net Profit Margin11.48%
EBITDA Margin34.65%
EBIT Margin34.65%
Analyst Forecast
The average price target for PennyMac Financial is $134.86, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$134.86
Price Target Upside46.22% Upside
Analyst ConsensusModerate Buy
Analyst Count7
Revenue Growth Forecast25.42%
EPS Growth Forecast190.85%