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PennyMac Financial (PFSI)
NYSE:PFSI
Total Valuation
PennyMac Financial has a market cap or net worth of $5.13B. The enterprise value is $18.32B.
Market Cap$5.13B
Enterprise Value$18.32B
Share Statistics
PennyMac Financial has 51,710,033 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding51,710,033
Owned by Insiders13.30%
Owned by Institutions<0.01%
Financial Efficiency
PennyMac Financial’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 2.86%.
Return on Equity (ROE)0.08
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)2.86%
Return on Capital Employed (ROCE)0.06
Revenue Per Employee357.58K
Profits Per Employee69.87K
Employee Count4,457
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of PennyMac Financial is 13.8. PennyMac Financial’s PEG ratio is ―.
PE Ratio13.8
PS Ratio0.00
PB Ratio0.00
Price to Fair Value1.36
Price to FCF0.00
Price to Operating Cash Flow-1.90
PEG Ratio―
Income Statement
In the last 12 months, PennyMac Financial had revenue of 1.59B and earned 311.42M in profits. Earnings per share was 6.11.
Revenue1.59B
Gross Profit1.56B
Operating Income901.03M
Pretax Income401.03M
Net Income311.42M
EBITDA473.17M
Earnings Per Share (EPS)6.11
Cash Flow
In the last 12 months, operating cash flow was -2.62B and capital expenditures -24.82M, giving a free cash flow of -2.65B billion.
Operating Cash Flow-2.62B
Free Cash Flow-2.65B
Free Cash Flow per Share-51.16
Dividends & Yields
PennyMac Financial pays an annual dividend of $0.3, resulting in a dividend yield of 1.22%
Dividend Per Share$0.3
Dividend Yield1.22%
Payout Ratio16.64%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.53
52-Week Price Change3.73%
50-Day Moving Average97.70
200-Day Moving Average100.18
Relative Strength Index (RSI)51.24
Average Volume (3m)445.10K
Important Dates
PennyMac Financial upcoming earnings date is Oct 23, 2025, After Close (Confirmed).
Last Earnings DateJul 22, 2025
Next Earnings DateOct 23, 2025
Ex-Dividend DateAug 13, 2025
Financial Position
PennyMac Financial as a current ratio of 1.56, with Debt / Equity ratio of 459.25%
Current Ratio1.56
Quick Ratio1.56
Debt to Market Cap3.95
Net Debt to EBITDA42.93
Interest Coverage Ratio1.10
Taxes
In the past 12 months, PennyMac Financial has paid 89.60M in taxes.
Income Tax89.60M
Effective Tax Rate0.22
Enterprise Valuation
PennyMac Financial EV to EBITDA ratio is 53.94, with an EV/FCF ratio of -5.60.
EV to Sales16.01
EV to EBITDA53.94
EV to Free Cash Flow-5.60
EV to Operating Cash Flow-5.63
Balance Sheet
PennyMac Financial has $654.49M in cash and marketable securities with $13.34B in debt, giving a net cash position of $12.68B billion.
Cash & Marketable Securities$654.49M
Total Debt$13.34B
Net Cash$12.68B
Net Cash Per Share$245.24
Tangible Book Value Per Share-$98.76
Margins
Gross margin is 95.11%, with operating margin of 56.54%, and net profit margin of 19.54%.
Gross Margin95.11%
Operating Margin56.54%
Pretax Margin25.16%
Net Profit Margin19.54%
EBITDA Margin29.69%
EBIT Margin25.32%
Analyst Forecast
The average price target for PennyMac Financial is $120.29, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$120.29
Price Target Upside22.52% Upside
Analyst ConsensusStrong Buy
Analyst Count8
Revenue Growth Forecast20.77%
EPS Growth Forecast96.22%